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Blue Cash Preferred® From American Express
Consumer Reviews, Credit Score and Income Needed, Credit Limits

Picture of American Express Blue Cash Preferred Card
63 Reviews
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Average Score:
717
Highest:
815
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4 Star
28%
3 Star
9%
2 Star
1%
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7%
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Credit Score: 685 Credit Limit: 2000 Age: 35-44
Income On Application: $170000
Posted 11/06 2018
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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
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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: 740 Credit Limit: 5000 Age: 25-34
Posted 02/24 2017
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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
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I am an undergraduate with a 735 fico score. I applied was approved for $3.5k. This is enough for my spending.
 
Credit Score: 704 Credit Limit: 5000 Age: 25-34
Posted 08/10 2016
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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
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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: 710 Credit Limit: 4000 Age: 25-34
Income On Application: $50000
Posted 08/03 2015
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Avg score: 710
Limit: $4k
Income: $50k
 
Credit Score: 615 Credit Limit: 3000 Age: 35-44
Posted 07/11 2015
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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: 705 Credit Limit: 5000 Age: 18-24
Posted 06/06 2015
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I have a short history of less than 2 years. Score is 705. I was approved for $5k.
 
Credit Score: 645 Credit Limit: 5000 Age: 45-54
Posted 05/13 2015
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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
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I was approved for $5k with a 725 score. Hope that was helpful.
 
Credit Score: 785 Credit Limit: 12000 Age: 35-44
Posted 02/19 2015
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My experian FICO 8 score was 785 (very important to know actual FICO rather than FAKO). I was approved for $12,000.
 
Credit Score: 750 Credit Limit: 15000 Age: 35-44
Posted 12/17 2014
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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: 730 Credit Limit: 10000 Age: 45-54
Income On Application: $120000
Posted 07/07 2014
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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
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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: 720 Credit Limit: 8000 Age: 25-34
Income On Application: $90000
Posted 01/19 2013
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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
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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: 705 Credit Limit: 5000 Age: 25-34
Income On Application: $60000
Posted 08/27 2011
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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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