THE CARDTUNED DATABASE
Blue Cash Preferred Card from American Express for Morgan Stanley
Issuer: American Express
6% U.S. supermarkets up to $6,000/year then 1%; 6% select U.S. streaming; 3% U.S. gas stations and transit; 1% other
- Annual fee
- $0 intro annual fee for the first year, then $95
- Foreign transaction fee
- 2.7%
- Intro APR
- 0% introductory purchase and balance-transfer APR for 12 months
- Regular APR
- 19.49%–28.49% variable APR after introductory period
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
$250 cash back after $3,000 in purchases in the first 6 months
- Spending requirement
- $3,000
- Time window
- 6 months
Offer last checked: 2026-09-08
Earning rates
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| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Groceries | 6% | U.S. supermarkets up to $6,000/year then 1% 6% supermarkets capped at $6,000/year; annual $100 credit requires $15,000 spend $0 introductory annual fee for the first year, then $95. 6% U.S. supermarket rewards are capped at $6,000 in purchases per calendar year, then 1%. $100 annual statement credit requires $15,000 in eligible calendar-year purchases. |
| Streaming | 6% | select U.S. streaming 6% supermarkets capped at $6,000/year; annual $100 credit requires $15,000 spend $0 introductory annual fee for the first year, then $95. 6% U.S. supermarket rewards are capped at $6,000 in purchases per calendar year, then 1%. $100 annual statement credit requires $15,000 in eligible calendar-year purchases. |
| Gas & Transit | 3% | U.S. gas stations and transit 6% supermarkets capped at $6,000/year; annual $100 credit requires $15,000 spend $0 introductory annual fee for the first year, then $95. 6% U.S. supermarket rewards are capped at $6,000 in purchases per calendar year, then 1%. $100 annual statement credit requires $15,000 in eligible calendar-year purchases. |
| Other purchases | 1% | other 6% supermarkets capped at $6,000/year; annual $100 credit requires $15,000 spend $0 introductory annual fee for the first year, then $95. 6% U.S. supermarket rewards are capped at $6,000 in purchases per calendar year, then 1%. $100 annual statement credit requires $15,000 in eligible calendar-year purchases. |
Additional benefits
• $250 cash back after $3,000 in purchases in the first 6 months
• Up to $120 Disney Streaming Credit, issued as up to $10 in monthly statement credits after enrollment
• $100 annual statement credit after $15,000 in eligible calendar-year purchases
Restrictions to know
$0 introductory annual fee for the first year, then $95. The welcome offer requires $3,000 in eligible purchases within 6 months. U.S. supermarket rewards are capped at $6,000 per calendar year, then 1%. The $100 annual statement credit requires $15,000 in eligible calendar-year purchases. Disney credit requires enrollment and eligible monthly subscription charges.
Who can apply
Eligible Morgan Stanley or E*TRADE relationship required
Credit profile: Good–Excellent / issuer underwriting applies