Essential Information Before Applying for the American Express Blue Preferred Card

The Blue Preferred card provides 6% cashback on grocery spending and subscriptions to streaming platforms.

With the Blue Preferred Card, you get 1% cash back on all eligible purchases, plus unique rates for certain categories, such as:

• 3% for gas station purchases in the USA
• 3% on parking, tolls, and transit
• 6% on streaming service subscriptions
• 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 cardholder’s requirements.

New applicants can receive a $300 cashback bonus after spending $3,000 within the first three months. There’s no annual fee for the first year, but it shifts to a $95 fee in the second year.

Moreover, there’s an introductory 0% APR for the first 12 months on balance transfers and purchases.

Subsequently, the variable APR rates range from 19.24% to 29.99% for purchases. Amex provides the Pay It option to easily manage small bills throughout the month and earn rewards.

Additionally, the Plan It service enables you to divide purchases of $100 or more into fixed monthly payments. If you’re considering the Amex Blue Preferred, keep reading for more!

Eligibility Criteria

The Blue Cash Preferred Card offers flexibility, distinguishing it from other Amex products that mainly focus on premium personal and business cards.

However, Amex does set specific fundamental requirements like being a legal U.S. citizen, at least 18 years old, and having a verifiable source of income.

A strong credit history is essential for card approval. Thus, applicants agree to let Amex perform a credit check, ideally with a favorable rating, and evaluate their transaction history.

While prior experience with Amex isn’t mandatory, those with negative records on other cards may find it hard to get approved for the Blue Cash card.

It’s important to note that even if all criteria are met, any application for a card is still subject to brand availability.

How Can I Apply for the AMEX Blue Preferred Card?

American Express offers a simple online application system on their website, featuring an easy-to-use form.

While you don’t need to have an existing Amex account, logging in with your credentials can make filling out the form easier.

Clicking on the “Apply Now” button takes you to the Blue Card application form, where you’ll need to provide information like your full name, date of birth, email, and home address.

You’ll also need to provide information such as your social security number, annual income, monthly expenses, and details about your income sources including employment status, military service, business ownership, or retirement.

Once all details are submitted, Amex conducts a comprehensive credit evaluation to assess the applicant’s profile and return either an approval or denial.

The American Express website also features a chat option that allows customers to communicate directly and resolve any questions they may have.

It’s crucial to ensure that all provided information is accurate to facilitate the process and minimize the need for corrections or resubmissions to American Express.

Additional Information

The Send & Split feature enables users to share expenses with friends via the Amex app. Cardholders can also enjoy unique Amex promotions for events and shows.

This card can give you up to $84 back each year after spending at least $9.99 on a Disney Bundle subscription, plus $10 monthly credits for Equinox+ services.

In addition, the card comes with perks like coverage for rental car damages, a Global Assist hotline, help with disputes, and complete online management of your account.

Interested in Exploring Other Options?

Amex provides additional choices, including the Gold Card, which offers 4x points and a special bonus of 60,000 points for newcomers.

While the terms might be alike, the Gold Card has distinct features, and you can learn how to apply.