American express blue cash preferred grocery stores

american express blue cash preferred grocery stores

American express blue cash preferred grocery stores

American express blue cash preferred grocery stores

American express blue cash preferred grocery stores

American express blue cash preferred grocery stores

Specialty food stores, small corner grocery stores, gourmet shops, natural food stores and large superstores including online superstores (e.g. Amazon), warehouses clubs (e.g. BJ's Club) and big box stores (e.g. Wal-Mart) are examples of merchants that are NOT eligible for additional rewards.

I think I should have earned additional rewards on a purchase, what should I do?  


Cash Back Rewards for American Express Blue Cash Preferred

American Express Blue Cash Preferred is one of the best reward credit cards out there. Even with a $75 annual fee, this is one of the best cards for groceries, gas and clothes shopping. You get 6% for groceries up to $6000, 3% on Gas and Department Stores and 1% on everything else. The problem is we don’t know what American Express considers a grocery store or a department store. There are some stores that are pretty obvious like WholeFoods, Trader Joes or Macy’s. American Express considers the first two as grocery stores and the latter as a department store. So far so good. What about Target or TJMaxx or Marshalls. To figure out what these stores are, I usually use the Spend Analysis tool on their website. This is a great tool to check to see what category a store falls under and also to keep track of your cash back rewards. But for anyone else out there trying to find out this information, I created a list below for some common places and their categories. Obviously, this is a very small list of available stores. So, please feel free to leave a comment about other stores you go to and what category they fall under so I can add it to my post.

Groceries: Mariano’s (if you live in Chicago, this is a great store to shop at), Wholefoods, Trader Joe’s, Jewel, Meijer

Strangely, Crumbs (a cupcake shop in Chicago), La Boulangerie (a really good French bakery in Chicago), 7-Eleven stores that don’t sell gas, Teavana.com (but not Starbucks) are also considered as groceries.

Department stores: Macy’s, Nordstrom, Bloomingdale’s, Amazon.com, Loccitane, The Body Shop, Bath and Body Works, Lush (a canadian cosmetic company)

Note: If you are a frequent shopper at Amazon.com and if you don’t have their credit card, Citi Forward is a great card for you. It offers 5% cash back on ALL Restaurants, Music stores, Book stores and it still considers Amazon.com as a book store! Isn’t that great.

Between AmEx Blue Cash Preferred and Citi Forward you can get 3-6% on most spending.

Gas stations: Marathon, 7-Eleven, Shell, CitiGo, BP.

One thing to note is that the 3% is only for stand-alone gas stations. So, if you get your gas at Costco or Sam’s, you are out of luck unless you have a Costco AmEx.

Only 1% – All restaurants, fast food places, individual clothing stores like H&M, Loft, discount stores like TJMaxx, Marshalls, HomeGoods, Bed Bath and Beyond, online stores like Overstock.com, Gilt.

Couple of surprises here are Target and the Amazon Marketplace.

Amazon.com is considered a department store but someone else selling through Amazon MarketPlace is not considered a department store.

Lastly, I want to show you some calculations, so you can see why I prefer the Blue Cash Preferred over the Blue Cash Everyday.

Groceries is capped at $6000 per year. So that’s an average of $500/month.

Let’s say you spend around $300/month on groceries and $100/month on gas.

Blue Cash Preferred – 6% Groceries, 3% department stores and gas stations:

300 * 0.06 = $18 (per month) * 12 months = $216 – $75 (deduct the annual fee) = $141

100 * 0.03 = $3 (per month) * 12 months = $36. So you will make at least $177

Blue Cash Everyday- 3% Groceries, 2% department stores and gas stations:

300 * 0.03 = $9 per month * 12 months = $108

100 * 0.02 = $2 per (per month) * 12 months = $24. You will make $132.

That’s a $45 bonus on the same spending amount! Here is a link to see the features of both cards side-by-side.

Even being very conservative, you can see that it’s a great deal even after paying the annual fee but there’s one more trick for getting even more cash back. You can always buy gift cards at a grocery store to restaurants or coffee shops or other stores you frequent and use them instead of another credit card or cash. AmEx doesn’t look at what you are buying so the gift cards are considered as groceries giving you 6% on almost everything. Lot of people were using this trick and that’s why they started capping at $6000 per year. But it’s still a great deal. What do you think?

This is my first blog post. Hope you liked it and please let me know your opinions and suggestions.


How to Earn 6% Cashback on ALL Purchases with the American Express Blue Cash Preferred ® Card

Update 10/10/12- It appears some cardholders are getting a similar notice in their October statements. You will earn a reward of 6% on the first $6,000 of eligible purchases at supermarkets in a calendar year (supermarkets do not include superstores or warehouse clubs); 1% on all other eligible purchases. While this may not have a tremendous effect on those purchasing only groceries, this is clearly an attempt at shutting down the giftcard loophole.

The American Express Preferred ® credit card updated one major aspect of cashback program, so I thought it would be of some benefit to compare the Blue Cash Everyday® Card from American Express to the Blue Cash Preferred® Card from American Express. Both programs earn card holders cash back, for those not interested in earning miles or points, oh my.

• Earn 2% at US gas stations & select US dept stores

• Earn 1% cash back on all other eligible purchases.

• Earn 3% US gas stations & select US dept stores

• Earn 1% cash back on all other eligible purchases.

* Earn 100 Reward Dollars after you make $1,000 in purchases in the first three months of Card membership.

** Earn 150 Reward Dollars after you make $1,000 in purchases in the first three months of Card membership.

As you can see from the above, the major difference between the two cards is the amount of cashback earned at supermarkets relative to the annual fee. However, the $75 annual fee on the Blue Cash Preferred® Card from American Express almost instantly gets lost when considering the real benefits of the card.

Spending only $25 per week will rack up $78 in cashback over the course of a year, more than enough to cover the fee. Even when I was single, I spent more than $25 per week on groceries. Our family of four (4), with two young boys, spends around $600/month on groceries, effectively resulting in $36/month in cashback by using the Blue Cash Preferred® Card from American Express. That is quite a substantial rebate, and thus why you can see how easily the annual fee gets lost in the benefits of the card; however, it is time to start thinking outside the box.

What does almost every major grocery store sell on end caps and near the checkout? Gift cards, which could potentially be the real money maker here. Want to dine at chain restaurants like Red Lobster, Subway, Red Robin, or the Olive Garden? What about purchasing home improvements from Home Depot or Lowes? Going to Disney, Universal Orlando Resorts, or staying at a Marriott? Purchase a gift card from the grocery, earning a whopping instant 6% rebate.

The warning to avoid any potential problems is to make sure you are also picking up some type of grocery item when purchasing the gift cards. All purchases at supermarkets should code properly to earn the 6% cashback bonus, but making a grocery purchase makes sure not to send up any potential red flags.

The point is, the Blue Cash Preferred® Card from American Express just opened up some great possibilities to be able to rake in cashback. With a little bit of planning, and buying the right gift cards, one can effectively take 6% off of almost all purchases. I like that!

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Review of the American Express Blue Cash Everyday® and Blue Cash Preferred® Cards

Apr 26, 2016 | Updated Aug 04, 2017

Although Credit Card Insider does receive compensation from some card issuers as advertisers, this does not in any way influence our overall judgement of a card. American Express has not endorsed this content in any way.

American Express offers this pair of highly rewarding cash back cards, the Blue Cash Everyday ® Card and the Blue Cash Preferred ® Card.

They both offer cash back for the same types of purchases, and their potential interest rates are identical, but the Preferred card is an upgraded version that provides quite a bit more cash back (at the cost of an annual fee).

These cards are great for everyday spending, whether you get the Everyday or Preferred version. Read on to learn what makes them different and how they can help you save money on some of the things you buy the most.

For People with

  • Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases, 2% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.74% to 24.74%, based on your creditworthiness and other factors.
  • Terms and restrictions apply.

For People with

  • Get $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.

Once you’ve been approved for either of these cards, you can log in to your account at americanexpress.com.

You’ll see all of your account details, and a variety of options to view your finances, manage your account, redeem rewards, and request services.

American express blue cash preferred grocery stores

Logging in to your Amex account.

American express blue cash preferred grocery stores

Viewing your account details.

  • 3% cash back at supermarkets (up to $6,000 in purchases per year, then 1% cash back)
  • 2% cash back at gas stations and select department stores
  • 1% cash back for all other purchases
  • A $100 signup bonus for spending $1,000 in the first 3 months

With this upgraded version of the card, you’ll get:

  • 6% cash back at supermarkets (up to $6,000 in purchases per year, then 1% cash back)
  • 3% cash back at gas stations and select department stores
  • 1% cash back for all other purchases
  • A $150 signup bonus for spending $1,000 in the first 3 months

When I got my Blue Cash Preferred, I first checked to see if I was prequalified for the card. It turned out that I had an offer available for a $250 signup bonus instead of the normal $150, which I happily took. A great value for easy work!

As you can see, both of these cards have valuable features but the Preferred version is quite a bit more rewarding. You’ll get twice as much cash back when buying groceries, and a bit more back on gas and at department stores.

But the Preferred card also has an annual fee of $95, while the normal version is free to use. So is the Preferred card worth the cost?

Well, lets say you spend $100 on groceries per week for example, for a total of $5,200 per year. At 6% cash back, you’ll earn $312 back on that spending. That’s more than enough to pay for the annual fee, with quite a bit to spare.

So, if you’re going to be buying groceries regularly, the Preferred version of this card will probably be the right move. The cash back you earn from groceries alone should pay for the annual fee, and keep in mind that this doesn’t even take into account the gas you buy and other purchases you make with the card, which will mean even more cash back every year.

If you were to spend the same amount on groceries with the Everyday version of the card, you’d earn $156 back (still not a bad deal).

The Everyday and Preferred cards offer the same set of additional entertainment, shopping, and travel benefits. Check your card terms for details on your benefits and how to access them.

Discounts to card member-only events, concerts, sporting events, and shows.

Provides help and services dealing with fraudulent and unauthorized charges.

Adds up to one additional year to eligible warranties of 5 years or less.

  • Items purchased with your card are protected against accidental damage and theft for 90 days.

  • Eligible purchases can be reimbursed if the merchant won’t take it back within 90 days. Up to $300 per item, up to $1000 per year for each account.

  • Provides free 2-day shipping and free return shipping on eligible items at participating stores (must register for the service).

  • Provides help when traveling 100 miles or more from home, such as lost passport recovery, finding legal services, dealing with sudden illness, and more. You pay for all third-party service costs.

  • Added financial security if a death is caused when traveling by plane, train, ship, or bus.

  • Help finding vehicle services like towing, changing a flat, or boosting a battery. You pay for all third-party service costs.

  • Provides coverage for stolen or damaged vehicles if you decline the rental company’s own insurance. Not all rentals or vehicles are covered. Provides secondary coverage only, not liability coverage.

  • The extra benefits provided by these cards are the exact same, so you won’t need to worry about these details if you’re trying to choose between these two cards.

    The costs and fees of these cards are almost completely identical. If you’re trying to choose between them, the annual fee is the only detail you need to worry about.

    Both cards have a very generous 0% intro APR period – 15 months for the Preferred and 12 months for the Everyday – which are pretty long compared to most other options out there. Just remember the high penalty APR, which could be implemented if you make a late or returned payment.

    Take note that 0% intro APRs are great, but if you make a late or returned payment you could lose it before it officially ends, leaving you with the high penalty APR!

    The Blue Cash cards from American Express are some of the most rewarding cards on the market. The 3% cash back for groceries with the Blue Cash Everyday card is usually as good as it gets, which makes the 6% back with the Blue Cash Preferred card pretty incredible.

    Since these cards have identical benefits and nearly identical fees, the major deciding points are the amounts of cash back they provide and the annual fee.

    Although each card has a $6,000 limit for the cash back offer on groceries, you’ll still get quite a bit of cash back even if you hit that limit. If you spend the full amount in 1 year this still equates to $180 for the Everyday card and $360 for the Preferred, quite a nice return on purchases you’ll already be making.

    While the Preferred card does have a $95 annual fee, you’ll be able to easily pay for it with the cash back you get, with a lot more to spare. This doesn’t even take into account the signup bonus: the $150 you can earn will pay for 2 years of the card all by itself, making the cash back you earn pure profit.

    These cards also come with the award-winning customer service of American Express, so you can expect a relatively good experience if you need to deal with any problems that might come up (compared to some other card issuers).

    Do you use one of these cards? How do you like it? Click here to leave your own review of the Blue Cash Everyday, or click here to leave a review for the Blue Cash Preferred.

    AMEX Blue Cash Everyday, a MUST in your wallet!

    Want to get $100 cash back from AMEX?

    You’ll get $100 cash back after $1,000 purchase in first 3mos, and I will receive, a $50 Rewards Dollars (once approved you can have this referral benefit as well).

    Personally, besides all the main features, specially the cash back, I think that the Travel Insurance, Purchase & Return Protection, and Extended Warranty are undoubtedly a MUST added Bonus. You never know when you are going to need these, specially now days with so many situations to worry about in our lives… “better safe than sorry!”. I do have another AMEX card for quite sometime and Customer Service is always on point and very professional.

    On the other hand, as for the credit requirements, lucky me, I was approved instantly on October 2015. I live in NJ; AMEX used EXPERIAN. At that time on Credit Karma my Credit Score on TU: 754; EQUIFAX: 753. On Credit.com was 788 and VantageScore 763. The credit inquiry lowered my score by 6 points, but obviously it will go up as months go by.

    This is one of “THE” BEST credit cards out there. Why? Lets look at some of the AMEX Blue Cash HUGE Benefits:

    * $100 cash back after $1,000 purchase in first 3mos

    * 3% Cash back on US supermarkets

    * 2% on gas stations & dept stores

    * 1% on all purchases

    * 0% APR for 15 mos (including balance transfers)

    * Refer Friends for $50 Rewards Dollars (http://goo.gl/Hb3x5k)

    * ApplePay or Android Pay (secure payment methods & convenient)

    * ShopRunner (free 2 days shipping)

    * Travel Accident Insurance included when buy air tickets with card

    * Extended Warranty on products (up to 1 year)

    * Purchase & Return Protection (even if item gets stolen for up to 90 days from date of purchase)

    * Global Assist Hotline anywhere in the world

    * And much more (For full details go to http://www.americanexpress.com and select Blue Cash Card Benefits)

    Please, if you decide to apply, I will be forever thankful, if you use my referral link: http://goo.gl/Hb3x5k which once approved, you will receive $100 cash back after $1,000 purchases in the first 3 months, and I will receive a $50 Rewards Dollars, which can be used as a credit on my statement. Once you are approved, you can referred as well in order to get the same benefit, up to $550 Rewards Dollars per calendar year.

    Thank you and endless blessings!

    For People with

    For People with

    Review of the Blue Business Plus Credit Card from American Express
    Review of the Amex EveryDay and Amex EveryDay Preferred Credit Cards

    The Amex EveryDay and EveryDay Preferred Credit Cards earn lots of rewards at supermarkets, but is one of them best for you? Read this to decide.

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