Blue Cash Preferred® From American Express

Picture of American Express Blue Cash Preferred Card
52 Reviews
Consumer Rating:


Apply Here 4.3
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Average Score:
707
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810
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Credit Score: 780 Credit Limit: 8000 Age: 25-34
Income On Application: $65000
Posted 11/29 2018
Overall Rating:
Surprised with the low limit but not planning on spending past the $6k for the cashback anyway soo....
 
Credit Score: 685 Credit Limit: 2000 Age: 35-44
Income On Application: $170000
Posted 11/06 2018
Overall Rating:
EX Fico 685. At the time of applying, I had an old Amex Green card that was charged off three months ago. It went into collections when I started my photo business 4 years ago, but I had been making regular small payments on it and then paid the last $1300 when the CO happened. It was just timing that they occurred at the same time. I have also been an auth user on my partner's platinum card for the past several years on which I've been the only one to both use and pay the card for business expenses. Was approved for $2000. I only applied for this card after reading so many other people's experiences on this thread. I'm really encouraged to know that Amex will give some customers a second chance. I intend to be a customer for life, good karma willing.
 
Credit Score: 746 Credit Limit: 2000 Age: 45-54
Income On Application: $83500
Posted 09/24 2018
Overall Rating:
This is my first Amex card. Not sure why I was only approved for $2K, considering a solid FICO and income and my 5-digit limits on other cards, but I can deal.
 
Credit Score: 0 Credit Limit: 6400 Age: 18-24
Income On Application: $11000
Posted 06/26 2018
Overall Rating:
I have 5 cards, Discover, Capital One, Kohls, Visa, and Mobil with a total of $4200 in credit. I was approved for $6,200 for this card. Annual income of $11,000 (part time college student) and credit score at the time was 716(equifax), and 730(transunion).
 
Credit Score: 740 Credit Limit: 20 Age: 55-64
Income On Application: $55
Posted 06/23 2018
Overall Rating:
i have 2 American express cards the everyday card (2015 1,000)limit 2018 (6,000)
blue cash everyday card 20,000 instant approval. also have 5,000 loan balance 4.225
i have never had a problem with this company and would recommend getting there cards they have excellent
customer service. and are great to deal with. just pay your account on time, and before your due date and always
pay more then the minimum due, and keep your overall utilization low & watch your score climb
 
Credit Score: 800 Credit Limit: 15000 Age: 35-44
Income On Application: $150000
Posted 03/01 2017
Overall Rating:
history: 15 years
score: 800 on average
income: $150k
other cards: Discover IT $10k, Chase Freedom: $15k
I was approved for $15k.
 
Credit Score: 740 Credit Limit: 5000 Age: 25-34
Posted 02/24 2017
Overall Rating:
After I applied, I was given the dreaded "we need to review your application" message. I called recon and was told that there was an old fraud alert in my reports. I was then approved for $5k. My score was about 740. This is one of my lowest limit card. Discover IT gave me $10k.
 
Credit Score: 735 Credit Limit: 35000 Age: 18-24
Posted 01/12 2017
Overall Rating:
I am an undergraduate with a 735 fico score. I applied was approved for $3.5k. This is enough for my spending.
 
Credit Score: 660 Credit Limit: 2000 Age: 25-34
Posted 11/18 2016
Overall Rating:
My scores were in the 660s and I got approved for $2k.
 
Credit Score: 735 Credit Limit: 3000 Age: 25-34
Income On Application: $75000
Posted 09/05 2016
Overall Rating:
TU 740, EX 735
Income: $75k
Got approved for only $3k and I am not sure why. The limit looks rather low to be honest.
 
Credit Score: 740 Credit Limit: 12000 Age: 35-44
Posted 08/25 2016
Overall Rating:
Did quite a bit of research on this card and finally pulled the trigger. Got approved for $12k with a 740ish score.
 
Credit Score: 704 Credit Limit: 5000 Age: 25-34
Posted 08/10 2016
Overall Rating:
EX: 704
Other cards: Macy's: $2k, Cap One: $3k, Chase Slate: 45k
I was approved for $5k.
 
Credit Score: 670 Credit Limit: 1000 Age: 18-24
Posted 07/25 2016
Overall Rating:
I was quite surprised when I got this card. TU score of 670 and was approved for only $1k. But this is my first Amex card and I am glad I got my foot in the door.
 
Credit Score: 675 Credit Limit: 1000 Age: 25-34
Posted 05/08 2016
Overall Rating:
I got a $1000 limit with an average score of 675. I am a little disappointed that my limit is so low because I use the card a lot of grocery and gas. My other cards give me about $4-5k limit.
 
Credit Score: 650 Credit Limit: 1000 Age: 35-44
Posted 05/01 2016
Overall Rating:
Score: 650
Limit: $1000
Great card for rewards. I use it for everything.
 
Credit Score: 767 Credit Limit: 10000 Age: 35-44
Income On Application: $95000
Posted 03/23 2016
Overall Rating:
I got a $10k limit with a score of 767. Income was $95000. I like the ticketmaster presales and have already gotten a couple of great seats for concerts.
 
Credit Score: 810 Credit Limit: 25000 Age: 35-44
Income On Application: $145000
Posted 02/16 2016
Overall Rating:
6% cash back on groceries is simply amazing. I use this card in every supermarket I go to.
 
Credit Score: 730 Credit Limit: 12000 Age: 25-34
Posted 02/11 2016
Overall Rating:
My scores range from 725 to 735 and I was approved for $12000. The 6% cash back on groceries is the best ever.
 
Credit Score: 740 Credit Limit: 8000 Age: 25-34
Posted 01/12 2016
Overall Rating:
I got this card with a $8000 limit. Score was 740 on average. One thing to note is that not every supermarket is considered one by Amex. I find that only the big chain stores are. Small boutique groceries are not considered supermarkets by Amex.
 
Credit Score: 690 Credit Limit: 10000 Age: 25-34
Posted 12/09 2015
Overall Rating:
Had a score of 690 and got approved for $10k. The approval was not instant and I had to wait for about 7 business days. But so far, the experience has been great.
 
Credit Score: 635 Credit Limit: 2000 Age: 25-34
Income On Application: $45000
Posted 10/26 2015
Overall Rating:
This is my first amex card. Score average was 635. Was approved for $2k. Income is $45k.
 
Credit Score: 775 Credit Limit: 10000 Age: 35-44
Posted 08/24 2015
Overall Rating:
Score was 775 and was approved for $10k. A year later, my limit has been increased to $20k (after a couple of automatic increases). Love the 6% cash back at groceries.
 
Credit Score: 710 Credit Limit: 4000 Age: 25-34
Income On Application: $50000
Posted 08/03 2015
Overall Rating:
Avg score: 710
Limit: $4k
Income: $50k
 
Credit Score: 625 Credit Limit: 4000 Age: 45-54
Income On Application: $85000
Posted 07/13 2015
Overall Rating:
Here is the background: I have been rebuilding my credit for close to 3 years. I have 3 baddies and 2 collections from about 5 1/2 years ago. I applied for this card not expecting to get approved. Score at that time was about 625. I was shocked that I actually got approved for $4k. My income was $85k (which may have helped). The approval was not instant and I got a reply about 5 days later.
 
Credit Score: 615 Credit Limit: 3000 Age: 35-44
Posted 07/11 2015
Overall Rating:
I am signed up for credit karma. They said I had a poor chance of getting approved. But I really wanted this card. So I applied and got approved for $3000. Score was about 615 (CK score).
 
Credit Score: 720 Credit Limit: 10000 Age: 45-54
Posted 06/27 2015
Overall Rating:
I have a late payment on a student loan about 7 years ago. Otherwise, i consider myself as in a rebuilding phase. My score was about 720 and I got approved for $10,000.
 
Credit Score: 705 Credit Limit: 5000 Age: 18-24
Posted 06/06 2015
Overall Rating:
I have a short history of less than 2 years. Score is 705. I was approved for $5k.
 
Credit Score: 760 Credit Limit: 15000 Age: 35-44
Posted 05/17 2015
Overall Rating:
I have the Amex PRG, and SPG ($10k). Decided to go for a "cash back" card to earn more on groceries. I was approved for $15k. Score was 760.
 
Credit Score: 645 Credit Limit: 5000 Age: 45-54
Posted 05/13 2015
Overall Rating:
My credit took a hit when I was hit by foreclosure years ago. But I have been slowly rebuilding my credit. My score was about 645 and I decided to to go to Amex's pre-approval page and after filling in my score, I was given a few choices. I picked this card and was approved for $5k. Tks Amex.
 
Credit Score: 725 Credit Limit: 5000 Age: 25-34
Posted 04/28 2015
Overall Rating:
I was approved for $5k with a 725 score. Hope that was helpful.
 
Credit Score: 740 Credit Limit: 10000 Age: 25-34
Posted 03/07 2015
Overall Rating:
My creditkarma scores were 740. I applied and was instantly approved for $10,000.
 
Credit Score: 799 Credit Limit: 30000 Age: 45-54
Income On Application: $120000
Posted 02/23 2015
Overall Rating:
My total household income was $120,000. Scores were like 799 on average. I was approved for $30,000.
 
Credit Score: 785 Credit Limit: 12000 Age: 35-44
Posted 02/19 2015
Overall Rating:
My experian FICO 8 score was 785 (very important to know actual FICO rather than FAKO). I was approved for $12,000.
 
Credit Score: 700 Credit Limit: 10000 Age: 35-44
Income On Application: $110000
Posted 01/13 2015
Overall Rating:
My Experian Fico was 700. I have no late payments or derogs on my report. Household income was $110,000. I got approved for $10,000.
 
Credit Score: 750 Credit Limit: 15000 Age: 35-44
Posted 12/17 2014
Overall Rating:
During the last 2 years, I have brought my scores up from the 550 area to 750 area on all 3 scores. I tried applying for this card when my scores were low 600s but was denied. When I finally applied, the approval was instant and I got $15,000 limit. I think it also helps that I had other cards as well (like Amazon, Chase Freedom and Cap One).
 
Credit Score: 768 Credit Limit: 5000 Age: 35-44
Posted 12/06 2014
Overall Rating:
Applied with TU Fico of 768. Approved for only $5k (which looked kind of low to me given my scores).
 
Credit Score: 780 Credit Limit: 10000 Age: 25-34
Posted 11/21 2014
Overall Rating:
My FICO 8 score was 780 and I got approved for $10,000. 9 months later, my limit got bumped up to $20,000. I max out on the grocery shopping (though not on gas). Customer service has been awesome and I love the mobile app.
 
Credit Score: 670 Credit Limit: 10000 Age: 35-44
Income On Application: $110000
Posted 09/28 2014
Overall Rating:
Household income was $110k and score was 670 average across the 3 bureaus. Approved for $10k. I spend over $1000 on my AT&T iphones and got $250 bonus cash back!!!
 
Credit Score: 730 Credit Limit: 10000 Age: 45-54
Income On Application: $120000
Posted 07/07 2014
Overall Rating:
I just got this card so here are my stats and details:
Have been rebuilding for 3 years.
TU: 735, EX: 726, EQ : 730
Household income: $120,000
Utilization : about 15%
Citi Doublecash: $5k
Discover IT: $4.5k
Chase Freedom: $6k
I have no late payments or baddies on my reports. I was approved for $10k.
 
Credit Score: 670 Credit Limit: 4000 Age: 25-34
Posted 06/23 2014
Overall Rating:
I was approved with a 670 EX score and a $4000 limit. Just as a reference, I got denied 2 weeks ago but my last collection fell off the report. With that, I got approved.
 
Credit Score: 730 Credit Limit: 15000 Age: 35-44
Income On Application: $100000
Posted 04/13 2014
Overall Rating:
My FICO 8 score is about 730. Income is around $100k. I applied and got approved for $15k. Chose the preferred over the regular card because I spend enough on groceries and gas to cover the annual fee.
 
Credit Score: 690 Credit Limit: 5000 Age: 25-34
Posted 10/17 2013
Overall Rating:
TU: 685
EX: 690
EQ: 695
Limit: $5000
I put all my grocery shopping on this card, along with gasoline and department stores (if I do not have the store card). The rest of my spending goes to my Cap One QuickSilver 1.5%.
 
Credit Score: 680 Credit Limit: 4000 Age: 45-54
Approved 10 years after Bankruptcy
Posted 06/30 2013
Overall Rating:
I was approved for this card with a EX FICO 8 score of 680. Got a $4k credit line. Also (and this may be relevant to some of you), I BKed an Amex Green Card years ago and I was still approved!
 
Credit Score: 680 Credit Limit: 2000 Age: 25-34
Posted 05/21 2013
Overall Rating:
We spend so much at the supermarket, gas that we decided to get this card because the cash back is so worth it. We get it as a statement credit. We started off with a $2000 limit and when we applied, my score was 680. But since then, I have gotten a few increases and now my limit is $12000. My score is also now about 740 (according to the amex free fico score).
 
Credit Score: 810 Credit Limit: 20000 Age: 45-54
Posted 02/22 2013
Overall Rating:
I have been with Amex for over 25 years (have their Plat). But then I could not resist the cash back you can earn at the supermarket and gas stations. My score is 810 and I got a $20k limit with instant approval.
 
Credit Score: 720 Credit Limit: 8000 Age: 25-34
Income On Application: $90000
Posted 01/19 2013
Overall Rating:
My EQ score was 720 and income was $90k. I got a $8k limit.
 
Credit Score: 715 Credit Limit: 1000 Age: 18-24
Posted 12/07 2012
Overall Rating:
I have a short 1 year history and before I got this card, I had the Cap One secured. Score was 715 and I got approved for $1000.
 
Credit Score: 680 Credit Limit: 10000 Age: 45-54
Income On Application: $125
Posted 09/27 2012
Overall Rating:
EX Fico was 680. I was approved for $10k with an income of $125k.
 
Credit Score: 780 Credit Limit: 15000 Age: 35-44
Posted 04/16 2012
Overall Rating:
Score: 780
Limit: $15000
Was approved instantly. Love the card so far.
 
Credit Score: 750 Credit Limit: 25000 Age: 25-34
Income On Application: $140000
Posted 02/13 2012
Overall Rating:
TU: 745 EX: 757 EQ: 749
Income : $140000
Got instantly approved for $25k. I also have Chase Freedom and Discover IT (but nowhere near the credit limits I got for this card). My util ratio is about 12%.
 
Credit Score: 710 Credit Limit: 10000 Age: 25-34
Income On Application: $90000
Posted 11/04 2011
Overall Rating:
I started out with the regular BCE. My score was 710, income was $90k and I got approved for $10k. Then I was offered the preferred and my limit was bumped up to $15k. On a net basis, I earn more rewards with the preferred despite the annual fee.
 
Credit Score: 705 Credit Limit: 5000 Age: 25-34
Income On Application: $60000
Posted 08/27 2011
Overall Rating:
I believe my experian score was pulled and at that time, my score was like 705. I was given a 5k limit and I reported a $60k income. I got the $250 bonus cash back for spending $1k within 3 months. Customer service has been awesome.
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