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Compare the Features and Benefits of Blue Cash Preferred® Card from American Express and
United Club℠ Infinite Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
APR on purchases
APR on balance transfers
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Annual Statement Credits
Extended Warranty
Purchase Protection
Return Protection
No Fees for Authorized Users
0% Intro APR on Purchases
0% Intro APR on Balance Transfers
Secondary Car Rental CDW Waiver
Travel and Emergency Assistance Services
Amex Offers
Airport Lounge Access
Free Checked Bags
Primary Car Rental CDW Waiver
Global Entry / TSA PreCheck Reimbursement
Grants Hotel Status
Grants Car Rental Status
Trip Protections
Priority Boarding
No Foreign Transaction Fees
Concierge Services
Free Access to Credit Score
Metal Card
Annual Fee
$0 Introductory Annual Fee for the first year, then $95 (Rates and fees)
Avg. Min. Credit Score
670-850 *
APR on purchases
0% Intro APR (on purchases for 12 months, 19.24%-29.99% thereafter)
APR on balance transfers
0% Intro APR (on balance transfers for 12 months, 19.24%-29.99% thereafter)
Ongoing APR
19.24%-29.99% (Variable)
Balance transfers fees
Either $5 or 3% of the amount of each transfer, whichever is greater.
Best Multiplier
6x Groceries

At U.S. Supermarkets on the first $6,000 of yearly spend; 1X thereafter. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

6x Streaming Services

On select U.S. Streaming Services

3x Transit
3x Gas Stations

At U.S. Gas Stations

1x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer

Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Terms apply.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.08) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Blue Cash Preferred® Card from American Express is a rewarding cash-back card thanks to its range of useful bonus categories. Perhaps the most valuable bonus category is the ability to earn 6% cash back at U.S. supermarkets, on the first $6,000 spent annually. Households who spend $500 or so can maximize this threshold to earn a tremendous $350 in reward dollars every year, and that’s before you consider the other bonus cash-back opportunities like 3% cash back at U.S. gas stations. Still, you will want to subtract the $95 annual fee from that bounty.

The 6% cash back rate applies to select U.S. streaming subscriptions, which covers virtually every participating provider out there. From Apple Music to YouTube TV to Netflix to Prime Video, it’s likely that you subscribe to one (or more) of these popular live TV, movie or music streaming services.

apple-music-blue-cash-preferred-card-from-american-express

Not to mention, you can enroll your card within your American Express account to receive a $7 monthly statement credit when you spend $9.99 (or more) each month on a subscription to The Disney Bundle, which includes Disney+, Hulu, or ESPN+. If you already subscribe to one of these eligible services, that’s an instant savings of $84 every year.

You can also earn bonus cash back when you’re on the road. The Blue Cash Preferred provides 3% at U.S. gas stations and for local transit expenses, which includes anything such as taxis, rideshare services like Lyft and Uber, parking expenses, tolls, and train and bus fares.

Simply put, the cash back earnings add up swiftly with the Blue Cash Preferred, especially if you have a large household. You’ll earn cash back in the form of reward dollars, which can then be redeemed for any amount on your monthly statement credit through American Express. One reward dollar equals $1.

Other benefits on the card, such as purchase protection, return protection and access to Global Assist Hotline may be used less frequently, but will still come in handy when it’s least expected.

Best of all, there’s no annual fee for the first year of card membership, giving you time to test drive the card’s earning rates and benefits before you commit to paying the ongoing $95 annual fee. It is possible to downgrade after one year to the Blue Cash Everyday® Card if you find it more suitable.

Rates and Fees for the Blue Cash Preferred® Card from American Express

Read more
Unique Card Benefits
yes
Annual Statement Credits
yes
Extended Warranty
yes
Purchase Protection
yes
Return Protection
yes
No Fees for Authorized Users
yes
0% Intro APR on Purchases
yes
0% Intro APR on Balance Transfers
yes
Secondary Car Rental CDW Waiver
yes
Travel and Emergency Assistance Services
yes
Amex Offers
yes
Airport Lounge Access
no
Free Checked Bags
no
Primary Car Rental CDW Waiver
no
Global Entry / TSA PreCheck Reimbursement
no
Grants Hotel Status
no
Grants Car Rental Status
no
Trip Protections
no
Priority Boarding
no
No Foreign Transaction Fees
no
Concierge Services
no
Free Access to Credit Score
no
Metal Card
no
Annual Fee
$525
Avg. Min. Credit Score
800-850 *
APR on purchases
-
APR on balance transfers
-
Ongoing APR
21.99%-28.99% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
4x Airfare
2x Dining Out / Food Delivery
1x Everything Else
Avg. Point Value
(Learn More)
$0.012
Bonus Offer
Earn 80,000 United MileagePlus Miles after you spend $5,000 on qualifying purchases in the first three months of opening an account. Offer ends January 24, 2024.  
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.25) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The United Club Infinite Card is a surprisingly robust offering from United Airlines and Chase.

The primary reason to get this card is because you fly United enough that you would like to have United Club lounge access for all of your flights.

The average person will save $125 by gaining United Club access via this credit card than by buying it directly. Even United 1K members come out $25 ahead. Why would anyone buy United Club access directly when it’s cheaper to pay a lower annual fee on the credit card?

By the way, the exact same thing applies to the Citi® / AAdvantage® Executive World Elite MasterCard® and as well as the Delta SkyMiles® Reserve American Express Card and the Delta SkyMiles® Reserve Business American Express Credit Card. The Delta cards even offer American Express Centurion Lounge access when flying Delta, although they also have a limit on lounge visits per year.

You also have the ability to earn the most Premier Qualifying Points towards United elite status of any of the United credit cards. You’ll earn 25 Premier Qualifying Points (PQPs) for every $500 you spend on purchases.

Now, sure, outside of 4X miles per dollar spent on United purchases, the earn rate on other categories aren’t particularly strong. But the card’s features and benefits that we’ve described above that come on top of the United Club lounge access are incredibly compelling.

To recap, those benefits include:

  • United Club lounge access

  • First and second free checked bags

  • Receive 25% Back on United inflight and Club Premium Drink Purchases

  • Earn up to 10,000 Premier Qualifying Points (PQP) (You’ll earn 25 Premier Qualifying Points (PQPs) for every $500 you spend on purchases.)

  • 10% Saver Award Flight Discount

  • Expanded Award Availability

  • Premier Upgrades on Award Tickets

  • Premier Access including priority check in and priority boarding

  • Return Protection for Items a Store Won’t Take Back + Extended Warranty and Purchase Protection

  • Access to The Luxury Hotel & Resort Collection

  • Primary Car Rental CDW Insurance

  • Global Entry / TSA PreCheck / NEXUS Reimbursement as a Statement Credit

  • IHG Platinum Status

  • Top Tier Avis President’s Club status

lounge-access-united-club-credit-card

That’s not all of the card features, but it sure is enough to see that the value you are getting for that annual fee is pretty amazing.

Read more
Unique Card Benefits
yes
Annual Statement Credits
yes
Extended Warranty
yes
Purchase Protection
yes
Return Protection
yes
No Fees for Authorized Users
yes
0% Intro APR on Purchases
no
0% Intro APR on Balance Transfers
no
Secondary Car Rental CDW Waiver
no
Travel and Emergency Assistance Services
no
Amex Offers
no
Airport Lounge Access
yes
Free Checked Bags
yes
Primary Car Rental CDW Waiver
yes
Global Entry / TSA PreCheck Reimbursement
yes
Grants Hotel Status
yes
Grants Car Rental Status
yes
Trip Protections
yes
Priority Boarding
yes
No Foreign Transaction Fees
yes
Concierge Services
yes
Free Access to Credit Score
yes
Metal Card
yes

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