Essential Insights Before You Apply for the American Express Blue Preferred Card

The Blue Preferred credit card grants 6% cashback on grocery purchases and subscriptions to streaming services.

The Blue Preferred gives 1% cash back on all eligible purchases, with some categories offering enhanced rates, such as:

• 3% at gas stations in the USA
• 3% on parking and tolls
• 6% on streaming services
• 6% on supermarket purchases up to $6,000

The starting limit for the Blue Preferred Card is typically $1,000, which can be adjusted based on the customer’s requirements.

New applicants can receive a $300 cashback bonus after spending $3,000 within the first three months. Year one has no annual fee, but a $95 fee applies from the second year onwards.

Additionally, there’s a 0% APR introductory offer for the first 12 months on both balance transfers and purchases.

After that period, interest rates will vary between 19.24% and 29.99% for purchases. Amex also provides the Pay It feature for quick bill payments and rewards.

Moreover, the Plan It service enables you to divide purchases of $100 or more into fixed monthly payments. So if you have your eye on the Amex Blue Preferred, keep reading.

Who is Eligible to Apply?

The Blue Cash Preferred Card offers more flexibility than many other Amex cards, which generally focus on premium personal and business offerings.

However, Amex does set forth essential eligibility requirements, such as being a recognized U.S. citizen, at least 18 years old, and having a reliable source of income.

A good credit history is vital for card approval. Hence, applicants agree to Amex performing a credit check, ideally with a favorable score, and reviewing their credit history.

While prior relationships with Amex aren’t mandatory, those with a poor history with the brand on other cards may find it hard to get approved for the Blue Cash card.

It’s important to note that even after fulfilling all requirements and preconditions, the approval of any card application depends on brand availability.

How Can I Apply for the American Express Blue Preferred Card?

American Express offers a simple online application process for their credit card right on their website, primarily through an easy-to-use form.

While having an existing Amex account isn’t a requirement, logging in can make entering your information easier.

By clicking on the “Apply Now” link, users will be taken to the Blue Card application form, where they’ll need to provide details such as their full name, date of birth, email, and home address.

Moreover, applicants must include details like their social security number, annual income, yearly expenses, and information about their income sources—such as employment status, military service, business ownership, or retirement.

Once all form details are submitted, American Express conducts a comprehensive credit check to assess the applicant’s profile and provide either an approval or denial.

Additionally, the American Express website features a chat option that allows customers to ask questions and receive assistance directly.

It’s crucial to ensure that all information provided is accurate to facilitate the process and prevent unnecessary revisions or resubmissions to American Express.

Further Information

The Send & Split system enables users to share bills with friends directly via the Amex app, along with access to exclusive offers for various events.

The card provides up to $84 back yearly after spending at least $9.99 on a Disney Bundle, plus $10 monthly credits for Equinox+ service.

Additionally, cardholders benefit from protections against rental car damage, access to a Global Assist hotline, resolution offers for disputes, and complete online account management.

Curious About Another Option?

Amex has additional options like the Gold Card, which offers 4x points and a special bonus of 60,000 points for newcomers.

While the requirements might be alike, the Gold Card comes with its own details, and you can find out how to apply.