Yes, Blue Cash Preferred is hard to get because it requires a credit score of 700+ for approval, which means you need good to excellent credit to get this card. Since the average credit score is lower than this requirement, most people will not be able to get the Blue Cash Preferred card.

You also won't get approved for the Blue Cash Preferred card if you already have five Amex cards, if you've already applied for an Amex card in the past five days, or if you've already applied for two Amex cards in the past 90 days.

Having said that, it is also worth noting that your credit score isn't the only thing the issuer takes into account while considering your application. Various other factors will also determine the outcome, like your credit history, your income and any debts you might have.

Lastly, for a better sense of your Blue Cash Preferred approval odds, check out the American Express pre-qualification tool. You can also check your credit score for free on WalletHub.

The Blue Cash Preferred credit limit is based on American Express's assessment of each application, so the card's credit limit will be different for each applicant. American Express does not disclose any specific Blue Cash Preferred credit limit information in the card's terms, though.

For the most part, Blue Cash Preferred credit limits depend on each applicant's overall creditworthiness. People with the most income and the best credit scores are generally offered the highest starting credit limits.

That said,...

Yes, Blue Cash Preferred is worth it for cardholders who spend enough to recoup the value of the card's $95 annual fee ($0 intro fee for the first year) in rewards earnings. The easiest way to do that is by spending $3,000 within 6 months of opening an account. That will trigger the card's $250 initial bonus (earned as a statement credit), which will help offset the annual fee for a couple of years.

Here's how to...

The credit score that you need for the Blue Cash Preferred® Card from American Express is 700, at a minimum. That means people with good credit or better have a shot at getting approved for this card.

Other Blue Cash Preferred Approval Requirements

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Blue Cash Preferred Card, too. Some other key criteria include your income,...

The Blue Cash Preferred® Card from American Express is not a metal credit card, as it is made of plastic like most other credit cards. There's no functional difference between a plastic card like the Blue Cash Preferred and a metal credit card, though, so don't dismiss the Blue Cash Preferred just because it isn't metal. If you like the card's terms and benefits, you should still consider applying.

Metal credit cards are usually expensive luxury cards. Some popular examples of metal credit cards...

Yes, you can upgrade your Blue Cash Preferred® Card from American Express to a better offer as long as you've had the card for at least 14 months, and you will have the best odds if your credit score and income have gone up since you applied. To see if your Blue Cash Preferred card qualifies for an upgrade, call customer service at 888-397-1980. American Express also periodically sends targeted upgrade offers to existing cardholders by mail, email and in their online account.

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The Blue Cash Preferred® Card from American Express interest rate is 19.24% - 29.99% (V), with the actual rate depending on factors such as your income, credit history and existing debt. The Blue Cash Preferred card also offers new cardholders an introductory interest rate of 0% for 12 months on purchases and balance transfers. After the card's intro rate expires, the regular interest rate applies to any remaining balance. There is also a balance transfer fee of 3% (min $5). This Blue Cash Preferred card interest rate is variable, meaning it can change...

The Blue Cash Preferred card annual fee is $0 intro 1st yr, $95 after the first year. Blue Cash Preferred's $95 annual fee that's charged from the second year on is higher than the average annual fee among new credit card offers right now. It is not the only fee you need to worry about with the Blue Cash Preferred® Card from American Express, either.

Blue Cash Preferred Fees

• Annual Fee: $0 intro 1st yr, $95 after
• Balance Transfer Fee: 3% (min $5)
• Cash Advance Fee: 5% (min $10)
• Foreign Fee: 2.7%
• Max Late...

The stores that count as supermarkets for the Blue Cash Preferred Card include Meijer, ShopRite, Stop and Shop, Vons, Whole Foods, and Winn-Dixie. These U.S.-based supermarket chains all earn 6% cash back on the first $6,000 in combined purchases charged to the Blue Cash Preferred card each calendar year.

Online supermarkets such as FreshDirect also get 6% cash back, up to the combined limit. To qualify, purchases must be classified with the merchant category code for supermarkets and...

To access your Mastercard account online, open a web browser and navigate to your credit card issuer's website to log in with your username and password. It's important to note that Mastercard doesn't issue credit cards, so you cannot use the Mastercard website to log in to an existing Mastercard account. The Mastercard website only has an “Access your account” feature designed to connect you to your card's issuer.

After you're logged in to your Mastercard credit card account...