Learn How to Apply for an American Express Blue Cash Preferred Card

What do I need to know before applying for an American Express Blue Cash Preferred Card?

The American Express Blue Cash Preferred Card offers cashback opportunities of up to 6% on supermarket purchases and streaming subscriptions in the USA, all with a $0 annual fee in the first year.

The cashback values of the card are variable, and in addition to those already mentioned, the Blue card offers 3% cashback on taxis, parking, tolls, trains, and other transportation, along with 3% on gas at gas stations and 1% on all other purchases.

Refunds are credited in dollars and can be redeemed as credit on the monthly statement.

The Preferred card also provides an annual $84 Disney credit package and Purchase Return Protection within 90 days, capped at $1,000 per calendar year per card account.

Amex also offers a sign-up benefit of $300 in statement credit upon spending $3,000 with the card in the first six months of membership.

The credit card application process must be done online, and you can check the terms and step-by-step instructions on the internet.

Who can Apply?

The Blue Cash Preferred Card is less restrictive than other Amex products, which focus heavily on high-end personal and business cards.

Nonetheless, Amex has its basic requirements, such as being a duly registered U.S. citizen, being over 18 years old, and having a verifiable source of income.

Credit history is crucial for card approval. Therefore, the customer authorizes Amex to check the credit score, preferably towards the higher end, and the transaction history throughout the customer’s credit life.

It is not necessary to have another connection with Amex. However, if the customer has a poor history with the brand on other cards, it is unlikely to be approved for the Blue Cash card.

How do I Apply for the American Express Blue Cash Preferred Card?

Amex provides the entire application for the company’s credit card directly online, mainly through the form available on the website. It’s not necessary to be registered with another Amex service, but logging in with a username and password saves time on data entry.

By selecting the “Apply Now” link, the customer is redirected to the Blue Card application form, where they will be required to provide personal details such as their full name, date of birth, email address, and complete address.

Additionally, the customer will need to provide social security information, annual income, and annual expenses, as well as specify the source of income, such as employed, military, business owner, or retired.

After submitting all the form information, Amex will conduct a thorough credit check to understand the profile and provide a positive or negative response.

The American Express website also offers a chat feature directly on the platform to converse with the customer and address key inquiries.

More Details

The Amex card features the “send & split” service to send money to Venmo and PayPal users.

Besides managing the entire account online, American Express promises to work closely to resolve issues with fraudulent or incorrect charges.

Amex also provides travel benefits such as insurance for rental car damage and loss, as well as a Global Assist Hotline for 24/7 emergency support.

With the Blue Card, Amex delivers an efficient credit card service, especially for those with larger daily needs.

It is worth noting that the maximum credit limits for Amex Preferred are around $7,500, as stated by the brand itself.

However, with a good credit history built through card usage, individuals can qualify for other products with higher limits within the company.

Want to learn about another option?

The North American market doesn’t disappoint when it comes to credit card options for the public.

The Wells Fargo Active Cash Card offers an unlimited 2% reward on all purchases made with the card, providing flexibility and security.

The card also waives annual fees for the first 15 months from contract signing and card receipt.

Therefore, if you need more information, you can check out the dedicated article on Wells Fargo.

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