Amex Blue Cash Preferred — Credit Limit, Score & Approval Odds (2026)
The Amex Blue Cash Preferred is a cash back card from Amex.
Based on 10 real reported applications, 70% were approved — median approved FICO 725, median starting limit $6k.
Amex Blue Cash Preferred credit limit
Typical starting limit — 7 reported approvals
$6k
Middle half of reported approvals: $5k–$8.5k. Lowest reported $1k, highest $12k. Amex publishes a $1k – $25k range for the card. Your personal limit depends on your profile — calculate your odds and limit →
Credit score needed for the Amex Blue Cash Preferred
The issuer generally looks for a credit score of 660+. Approved applicants in our data had a median FICO around 725 (range 680–759).
Amex Blue Cash Preferred approval odds
Based on 10 real applications reported for the Amex Blue Cash Preferred, 70% were approved.
Approval rate
70%
10 reported apps
Approved
7
3 denied
Typical approved profile
725 FICO · 7% utilization · 2 recent inquiries — medians across 7 reported approvals. Lowest approved score on record: 680.
How the 3 denied applicants differed
Same medians as the approved profile above, for the applications that were turned down — so the gap is the story, not the raw number.
- Median FICO
- 628-97 pts vs approved
- Median utilization
- 52%+45 pts vs approved
Score is only part of it — utilization, recent inquiries and account age move the odds too.
Real reported Amex Blue Cash Preferred applications
Anonymous data points from public forums — score, utilization and outcome. These are other applicants, not a personal estimate.
Amex Blue Cash Preferred welcome bonus
Earn $250 after you spend $3,000 on purchases in the first 6 months from account opening.
Amex publishes no end date for this offer. It runs until the issuer replaces it, which can happen without notice — the terms you see on the application are the ones that bind.
Amex Blue Cash Preferred APR
The ongoing APR is 19.24%–29.99% — variable with the prime rate, and your exact rate within that range is set from your profile at approval.
Amex Blue Cash Preferred annual fee
The Amex Blue Cash Preferred annual fee is $95, billed on the first statement and once a year after that.
Amex Blue Cash Preferred requirements
- Suggested credit score
- 660+
- Min credit history
- 6 months
- Recommended utilization
- under 45%
- Recent hard inquiries
- up to ~6
- Credit limit range
- $1k – $25k
- Reports to
- Experian
Amex Blue Cash Preferred approval — FAQ
What credit score do you need for the Amex Blue Cash Preferred?
Approved applicants in our data had a median FICO around 725 (range 680–759). The issuer generally looks for 660+.
What is the credit limit for the Amex Blue Cash Preferred?
The Amex Blue Cash Preferred issues limits from $1k to $25k. Across 7 reported approvals the median starting limit was $6k, typically $5k–$8.5k.
How to get approved for the Amex Blue Cash Preferred?
Aim for a credit score around 660+, keep utilization under 45%, keep recent hard inquiries to about 6 or fewer, have at least 6 months of credit history. If you're denied, you can request reconsideration at 1-800-567-1083 (24/7).
What are the requirements for the Amex Blue Cash Preferred?
Suggested score 660+, at least 6 months of credit history, utilization under 45%, and up to about 6 recent hard inquiries. Reports to Experian.
What are the approval odds for the Amex Blue Cash Preferred?
Based on 10 real reported Amex Blue Cash Preferred applications, 70% were approved. Approved applicants had a median FICO of 725 and 7% utilization. Denied applicants had a median FICO of 628 and 52% utilization. Your own odds depend on your full profile — the predictor scores it against this data.
What is the approval rate for the Amex Blue Cash Preferred?
Of 10 reported Amex Blue Cash Preferred applications in our dataset, 70% were approved — the lowest approved score we have on record is 680.
What is the welcome bonus on the Amex Blue Cash Preferred?
Earn $250 after you spend $3,000 on purchases in the first 6 months from account opening. Amex publishes no end date for it — the offer runs until it is replaced.
What is the APR on the Amex Blue Cash Preferred?
The ongoing APR is 19.24%–29.99%, variable with the prime rate and set from your profile at approval.
What is the annual fee for the Amex Blue Cash Preferred?
The Amex Blue Cash Preferred annual fee is $95.
See approval statistics across all cards — approval rates and starting limits by FICO band →
Will you be approved for the Amex Blue Cash Preferred?
Enter your profile in the predictor for your personal approval odds and expected limit.
Calculate your odds and limitApproval data is crowdsourced from myFICO and verified clients, not the issuer. Not financial advice.