Chase Sapphire Preferred® Credit Card
This card fits travelers who want flexible points without a premium fee. It earns 5x on Chase Travel, 3x on dining, select streaming, online groceries, gas stations and EV charging, and 2x on other travel. The annual fee is $95 and there are no foreign transaction fees. The 3x everyday categories carry exclusions, including Target, Walmart and wholesale clubs for online grocery.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $100 statement credit each account anniversary year for hotel stays booked through Chase Travel
- Global Entry, TSA PreCheck® or NEXUS application fee credit, up to $120 every four years
- One year of complimentary Apple TV when activated by December 31, 2026, a $156 value
- 12 months of complimentary DashPass plus a $10 monthly DoorDash promo when activated by 12/31/27
- Primary auto rental coverage up to $60,000 on most rentals
- Trip cancellation and interruption insurance up to $10,000 per traveler and $20,000 per trip
- Emergency evacuation and transportation coverage up to $100,000
- Annual fee: $95
- Purchase APR: 19.24% - 27.49% Variable
- Balance transfer APR: 19.24% - 27.49% Variable, no intro APR
- Balance transfer fee: either $5 or 5% of each transfer, whichever is greater
- Cash advance APR: 28.49% Variable, fee either $10 or 5% of each transaction
- Foreign transaction fee: None
- Late payment fee: Up to $40
- Rates and offers verified on the issuer's website on August 27, 2026 and may change. See the issuer's pricing and terms for current details.
- You want one card that turns travel and dining spending into points you can move to 14 airline and hotel programs.
- You book hotels or trips a few times a year and would use the $100 hotel credit and the Global Entry credit.
- Your spending includes streaming, online groceries, gas or EV charging, which all earn 3x here.
- You should skip it if you carry a balance month to month. It has no intro APR and a flat cash back card would cost you less.
Chase Sapphire Preferred® Credit Card Review
The Sapphire Preferred is Chase's entry point into transferable travel points. For $95 a year it pairs strong travel and dining earning with a hotel credit, a Global Entry credit and access to Chase's transfer partners. This review covers how it earns, how you redeem and who should get it.
How You Earn
Points post per dollar spent, with the highest rates on Chase Travel bookings and dining. Online grocery excludes Target, Walmart and wholesale clubs.
- 5x on purchases through Chase Travel
- 3x on dining, including takeout and eligible delivery
- 3x on select streaming and online groceries
- 3x on gas stations, EV charging and vacation homes at top brands
- 2x on all other travel
- 1x on everything else
- 5x on Lyft rides through 9/30/27 and 5x on eligible Peloton purchases over $150 through 12/31/27
| Category | Earn rate |
|---|---|
| Chase Travel purchases | 5x |
| Dining | 3x |
| Select streaming and online grocery | 3x |
| Gas stations, EV charging, vacation homes | 3x |
| All other travel | 2x |
| Everything else | 1x |
How You Redeem
Points can be used for travel, cash, gift cards and pay with points options, and they do not expire while the account stays open.
- Transfer to 14 airline and hotel programs, including United MileagePlus®, Southwest Rapid Rewards®, World of Hyatt® and Marriott Bonvoy®
- Book flights, hotels and more through Chase Travel
- Redeem for cash, gift cards or eligible purchases; redemption values vary by option
Benefits and Protections
The card carries a travel protection package that is unusually deep for a $95 fee.
- Trip cancellation and interruption insurance up to $10,000 per traveler, $20,000 per trip
- Primary auto rental coverage up to $60,000
- Trip delay reimbursement up to $500 per traveler after a 12 hour delay
- Baggage delay coverage of $100 per day for up to 5 days
- Lost luggage reimbursement up to $3,000 per traveler
- Purchase protection for 120 days, up to $500 per item
- Emergency evacuation and transportation up to $100,000
Who This Card Is For
It suits people starting to collect travel points who want real protections and credits without a premium fee. The $95 cost is easy to clear with the hotel credit alone if you book through Chase Travel once a year.
- Travelers who fly or stay in hotels a few times a year
- Households with dining, streaming, grocery delivery and gas spending
- People who may upgrade to the Sapphire Reserve later and want the same points system
Comparison
| Feature | Chase Sapphire Preferred® Credit Card | Capital One Venture Rewards Credit Card | Citi Strata Premier® Card |
|---|---|---|---|
| Annual Fee | $95 | $95 | $95 |
| Welcome Offer | 75,000 points after $5,000 in 3 months | 75,000 miles after $4,000 in 3 months | 60,000 points after $4,000 in 3 months |
| Rewards Rate | 5x Chase Travel, 3x dining, 2x other travel | 2x everything, 5x hotels via Capital One Travel | 10x Citi Travel hotels, 3x air, dining, gas, grocery |
| Intro APR | N/A | N/A | N/A |
| Foreign Transaction Fee | None | None | None |
| Best For | Flexible points and protections | Flat-rate miles | Broad 3x everyday categories |
Issuer Comparison
| Feature | Chase Sapphire Preferred® Credit Card | Chase Sapphire Reserve® Credit Card | Chase Freedom Unlimited® Credit Card |
|---|---|---|---|
| Annual Fee | $95 | $795 | $0 |
| Welcome Offer | 75,000 points after $5,000 in 3 months | 100,000 points after $6,000 in 3 months | $200 after $500 in 3 months |
| Rewards Rate | 5x Chase Travel, 3x dining | 8x Chase Travel, 4x direct flights and hotels | 1.5% base, 3% dining and drugstores |
| Key Credits | $100 hotel, $120 Global Entry, Apple TV, DashPass | $300 travel, $500 The Edit, $300 dining, StubHub | DashPass 6 months, DoorDash promos |
| Best For | First travel card | Frequent travelers who use credits | No-fee everyday earning |