Blue Cash Preferred vs Mastercard® Black Card™

Compare Rewards, Interest Rates, Fees, and Benefits

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Blue Cash Preferred is an excellent cash back credit card for families. How does it compare to Mastercard Black Card, a travel card? Read our comparison chart below.

	Blue Cash Preferred® Card from American Express	Mastercard® Black Card™
	Read Blue Cash Preferred Review
	Credit Card Interest Rates & Fees
Introductory APR for Purchases	0% introductory APR on purchases for 12 months	N/A
Introductory APR for Balance Transfers	0% introductory APR on balance transfers for 12 months	0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Purchase APR	18.24% to 29.24% Variable based on your creditworthiness and other factors	20.24% to 28.24% (Variable) based on your creditworthiness and other factors
Balance Transfers APR	18.24% to 29.24% Variable based on your creditworthiness and other factors	20.24% to 28.24% Variable, based on your creditworthiness and other factors based on your creditworthiness and other factors
Foreign Transaction Fee	2.7% of each transaction after conversion to US dollars.	0% of each transaction in U.S. dollars.
Annual Fee	$0 intro annual fee for the first year, then $95	$495 annual fee ($195 for each Authorized User added to the account)
		Terms Apply. See Rates & Fees
	Credit Card Rewards & Benefits
Introductory Bonus Cash Back	Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Cash Back Rewards	6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations. 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.	1.5% value for cash back redemptions
Airline Rewards		2% value for airfare redemptions with no blackout dates or seat restrictions.
Airline Status		Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Cardmembers simply pay for airline purchases with their Mastercard Black Card and the credit is automatically applied to their account. There's no need to activate or designate an airline. The full credit amount is available at the start of the calendar year. Up to a $120 application fee credit for the cost of TSA Pre✓® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,500+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest.
Gas Rewards	3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Grocery Rewards	6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
	CreditDonkey® Credit Card Reviews
Pros & Cons	Pros: 6% at U.S. supermarkets (up to $6k/year in purchases, then 1%) 3% at U.S. gas stations Bonus cash back promotional offer Cons: Annual fee Not a Visa/MasterCard	Pros: Stainless steel and carbon card Concierge service Travel benefits Cons: $495 annual fee No signup bonus
Bottom Line	Excellent cash back credit card for families... Read full review	Stainless steel and carbon card with luxury benefits... Read full review
	Read Blue Cash Preferred Review
See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website. Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details. Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. For rates and fees of the Mastercard® Black Card™ card, please click here. Disclaimer: The information for the Blue Cash Preferred® Card from American Express has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer. Blue Cash Preferred: Pricing information including interest rates, benefits and fees was obtained on December 19, 2024 from published websites and is believed to be accurate, but not guaranteed.

Articles on Blue Cash Preferred® Card from American Express

Blue Cash Preferred

If you are looking to get cashback rewards on common household categories like purchases at U.S. supermarkets and U.S. gas stations, consider the Blue Cash Preferred® Card from American Express. Amex created the Preferred card as an upgrade to the Blue Cash Everyday.