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Best American Express Cash Back Cards
Amex offers several strong cash back options, from the category-focused Blue Cash Preferred to the simpler Blue Cash Everyday — the right choice depends on your spending pattern and willingness to pay an annual fee.
Top Amex Cash Back Cards
| Card | Annual Fee | Top Categories |
|---|---|---|
| Blue Cash Preferred | $95 | 6% groceries/streaming, 3% gas |
| Blue Cash Everyday | $0 | 3% groceries, gas, online retail |
Preferred vs. Everyday
Blue Cash Preferred's higher rates justify its $95 fee for households spending roughly $2,500+/year on groceries — below that, Blue Cash Everyday's no-fee structure with slightly lower rates likely delivers better net value.
Combining With Other Amex Cards
Amex cash back and Membership Rewards cards can be held simultaneously — some cardholders pair a cash back card for daily spending with a rewards card for larger purchases.
Common Mistakes
Choosing Blue Cash Preferred without confirming your actual grocery spending justifies the $95 fee — run the math on your last few months of grocery bills before committing.
Frequently Asked Questions
Yes, if your household spends at least $2,000-$2,500 annually on groceries — the 6% rate in that category alone typically exceeds the $95 fee.
Yes — the 6% rate applies up to $6,000 in annual grocery spending, dropping to 1% beyond that threshold.