Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 6x on grocery (catalog median is 1.5x)
- 3x on gas (catalog median is 1.5x)
- 3x on rideshare (catalog median is 1x)
- The $95 annual fee needs strong category spending to clear
- Non-bonus spending earns only 1x
- Bonus rates have spending caps
Is the $95 Fee Worth It?
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. A credit counts only when the profile spends in its category, so a household with no travel spend gets no travel credit. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$493/yr
$588 rewards - $95 fee
#10 of 92 in the Q4 2026 Rewards Index →Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$489/yr
$584 rewards - $95 fee
#28 of 92 in the Q4 2026 Rewards Index →Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$425/yr
$520 rewards - $95 fee
#43 of 92 in the Q4 2026 Rewards Index →Rewards by Category
Dining
1x
Grocery
6x
Gas
3x
Flights
1x
Hotels
1x
Other Travel
1x
Online Shopping
1x
Rideshare
3x
Streaming
1x
Amazon
1x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
1x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
6% at U.S. supermarkets (up to $6k/year, then 1%), 6% on select U.S. streaming, 3% on transit and at U.S. gas stations, 1% everywhere else. Not accepted at Costco.
- Grocery: bonus rate capped at $6,000 of spend per year (6% on first $6,000/year at U.S. supermarkets, then 1%)
Blue Cash Preferred Card FAQ
What is the Blue Cash Preferred Card annual fee?
The Blue Cash Preferred Card has a $95 annual fee.
What is the Blue Cash Preferred Card signup bonus?
35,000 dollars for new cardholders meeting the minimum spend. Check the issuer's site for the current offer.
What are the best spending categories for the Blue Cash Preferred Card?
6x on grocery, 3x on gas, 3x on rideshare. Everything else earns 1x.
Is the Blue Cash Preferred Card worth the annual fee?
At a typical $24,000/yr spending profile, it nets about $493/yr after the fee. Your own spending mix decides it; run the numbers in the optimizer.
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Is Blue Cash Preferred Card Right for You?
Run your personalized optimization to see how this card fits into your wallet and how much you could earn based on your actual spending.
Card details are for informational purposes only. Please verify current terms, rewards, and benefits on the issuer's website before applying. Links to issuers are direct; CardSavvy currently earns no commission from them.