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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
64 Reviews
Consumer Rating:
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Lowest:
0
Average Score:
718
Highest:
815
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5 Star
45%
4 Star
28%
3 Star
9%
2 Star
1%
1 Star
7%
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Credit Score: 774 Credit Limit: 32000 Age: 35-44
Income On Application: $169
Posted 01/24 2022
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
Started off at $8,000 with Blue Cash Everyday® Card back in 2019, in 2021 I upgraded it to Blue Cash Preferred in July, now currently my credit limit is $32,000 I think my credit score when I first received my card was actually between 660-669 range, its now Currently 774. P.s I got the limit to $32,000 once I was given a tip that you must have a credit score over 730 and it just so happens my yearly salary increased as well overall, I've tried to get off 32K since and it seems I may have hit a fork in the road keep getting denied due to credit usage is low is there excuse now. I did see someone comment with a 35K limit that's amazing, As far as customer service no long wait times usually get someone within 2mins, everyone is friendly recently its hard to get a manager on the line they say they are always in a meeting, but I rarely call and when I do iam always taken care of thanks American Express !,
 
Credit Score: 785 Credit Limit: 8000 Age: 35-44
Income On Application: $94000
Posted 06/22 2020
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
Initially approved for 8k, requested CLI after 6months and was increased to 20K.
 
Credit Score: 757 Credit Limit: 10000 Age: 55-64
Income On Application: $70000
Posted 06/12 2019
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
I was happy to get the $10K limit but will apply for more later to better my credit utilization score.
 
Credit Score: 0 Credit Limit: 6400 Age: 18-24
Income On Application: $11000
Posted 06/26 2018
Overall Rating: star ratingstar ratingstar ratingstar ratingstar 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: star ratingstar ratingstar ratingstar ratingstar 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: star ratingstar ratingstar ratingstar ratingstar 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: 12000 Age: 35-44
Posted 08/25 2016
Overall Rating: star ratingstar ratingstar ratingstar ratingstar 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: 650 Credit Limit: 1000 Age: 35-44
Posted 05/01 2016
Overall Rating: star ratingstar ratingstar ratingstar ratingstar 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: star ratingstar ratingstar ratingstar ratingstar 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: star ratingstar ratingstar ratingstar ratingstar 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: star ratingstar ratingstar ratingstar ratingstar 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: 690 Credit Limit: 10000 Age: 25-34
Posted 12/09 2015
Overall Rating: star ratingstar ratingstar ratingstar ratingstar 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: star ratingstar ratingstar ratingstar ratingstar rating
This is my first amex card. Score average was 635. Was approved for $2k. Income is $45k.
 
Credit Score: 625 Credit Limit: 4000 Age: 45-54
Income On Application: $85000
Posted 07/13 2015
Overall Rating: star ratingstar ratingstar ratingstar ratingstar 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: 720 Credit Limit: 10000 Age: 45-54
Posted 06/27 2015
Overall Rating: star ratingstar ratingstar ratingstar ratingstar 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: 740 Credit Limit: 10000 Age: 25-34
Posted 03/07 2015
Overall Rating: star ratingstar ratingstar ratingstar ratingstar 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: star ratingstar ratingstar ratingstar ratingstar rating
My total household income was $120,000. Scores were like 799 on average. I was approved for $30,000.
 
Credit Score: 700 Credit Limit: 10000 Age: 35-44
Income On Application: $110000
Posted 01/13 2015
Overall Rating: star ratingstar ratingstar ratingstar ratingstar 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: 780 Credit Limit: 10000 Age: 25-34
Posted 11/21 2014
Overall Rating: star ratingstar ratingstar ratingstar ratingstar 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: star ratingstar ratingstar ratingstar ratingstar 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: 15000 Age: 35-44
Income On Application: $100000
Posted 04/13 2014
Overall Rating: star ratingstar ratingstar ratingstar ratingstar 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: star ratingstar ratingstar ratingstar ratingstar 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: star ratingstar ratingstar ratingstar ratingstar 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: star ratingstar ratingstar ratingstar ratingstar 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: star ratingstar ratingstar ratingstar ratingstar 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: 680 Credit Limit: 10000 Age: 45-54
Income On Application: $125
Posted 09/27 2012
Overall Rating: star ratingstar ratingstar ratingstar ratingstar 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: star ratingstar ratingstar ratingstar ratingstar 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: star ratingstar ratingstar ratingstar ratingstar 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: star ratingstar ratingstar ratingstar ratingstar 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.
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