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Reviews

I spend $325 a month on groceries—here's why the Amex Blue Cash Preferred is my favorite card for grocery shopping

Groceries are one of my biggest expenses. Here's why I prefer to use the Amex Blue Cash Preferred Card when I shop.

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The Chase Freedom® is not currently available to new cardholders. Please visit our list of the best cash-back cards for alternative options.

Cooking is one of my passions, so it's natural that groceries top my list of monthly expenses. On average, I spend $325 per month on everything from milk and eggs to veggies and chocolate chips. These costs add up quickly, but I've found ways to make grocery shopping less costly.

I'm no stranger to optimizing credit cards (after all, I have 10), so I ensure that I pay with the most lucrative cash-back card in my wallet: the Blue Cash Preferred® Card from American Express.

The Blue Cash Preferred Card has been my go-to for grocery shopping since it earns a robust 6% cash back at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%). Unfortunately I can't use it when I shop at Costco since they don't accept cards from all issuers. On Costco trips, I use one of my Visa-backed Chase cards, like the Chase Freedom® (no longer open to new applicants).

The Blue Cash Preferred Card's rewards rate is higher than any other card listed on Select's list of the best grocery rewards cards and earns me roughly $234 per year in cash back.

If my annual cash-back earnings aren't enough to convince you this card's a stellar choice, it currently has a welcome bonus of a $300 statement credit after you spend $3,000 in purchases on your new card within the first six months. This is a great way to offset your grocery bills. Plus you can benefit from an introductory $0 annual fee the first year, then $95. (See rates and fees.)

If you're also someone who seems to have a never-ending grocery list, consider applying for this card.

Blue Cash Preferred® Card from American Express

On the American Express secure site
  • Rewards

    6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations, 3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses and more and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.

  • Welcome bonus

    Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

  • Annual fee

    $0 introductory annual fee for the first year, then $95

  • Intro APR

    0% for the first 12 months on purchases, N/A for balance transfers

  • Regular APR

    13.99% to 23.99% variable

  • Balance transfer fee

    N/A

  • Foreign transaction fee

    2.7%

  • Credit needed

    Excellent/Good

See rates and fees, terms apply.

 

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For rates and fees of the Blue Cash Preferred® Card from American Express, click here.

Information about the Chase Freedom® has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.