6% back at U.S. supermarkets is the whole argument for the Blue Cash Preferred, and it is enough to put the card at #1 on our Best Credit Cards for Dining and Groceries list. That rate applies to the first $6,000 of supermarket spending each year, worth up to $360 back, then falls to 1%, so a household spending about $500 a month on groceries extracts the full value and no more. Select U.S. streaming subscriptions also earn 6%, with 3% on U.S. gas stations and on transit including rideshare, taxis, parking, tolls, trains, and buses. The catch is the $95 annual fee: you need roughly $1,600 of supermarket spending a year before the 6% rate even covers it, and the card charges foreign transaction fees on top. The $300 bonus after $3,000 in six months, 12 months of 0% intro APR, and the $7 monthly Disney Bundle credit make year one easy, but check your grocery habits before each renewal.
Earn rates & credits
| Category | Rate |
|---|---|
Groceries U.S. supermarkets on first $6,000/yr, then 1% | 6% |
Streaming Select U.S. streaming subscriptions | 6% |
Transit Including taxis, rideshare, parking, tolls, trains, buses | 3% |
Gas U.S. gas stations | 3% |
Everything Else | 1% |
| Benefit | Value |
|---|---|
Disney Bundle Discount $7/month statement credit toward the Disney Bundle (Disney+, Hulu, ESPN+) | $7 /mo |
| Total annual credits | $84 |
Card details
Regular APR | 19.49%–28.49% variable |
Intro APR on purchases | 0% for 12 months |
Intro APR on balance transfers | 0% for 12 months |
Foreign transaction fee | Yes |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Based on 6 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.