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Chase

Chase Sapphire Preferred® Credit Card

TravelDiningGroceryNo Foreign Transaction FeesIntro OfferGood CreditExcellent CreditAirlineHotelCash Back

Key Features

Annual Fee$95.00
Regular APR
19.24Min. of (6.75+12.49) and 29.99%–27.49Min. of (6.75+20.74) and 29.99% variable APR.
Read the full review
Best for those with
Good Credit

About this card

The Chase Sapphire Preferred earns a strong overall rating of 4.1 out of 5.0. This assessment considers a combination of factors, most notably the card's excellent rewards program, reasonable fee structure, and strong reputation. While the APR is a notable weakness, the value proposition of the card, especially for those who can maximize the rewards and benefits, outweighs this drawback. The card's generous sign-up bonus, solid earning rates on travel and dining, and valuable redemption options through Chase Ultimate Rewards contribute significantly to its high score. Furthermore, the absence of foreign transaction fees and the inclusion of travel insurance benefits add considerable value for frequent travelers. Chase's strong reputation as a reliable financial institution also boosts the card's overall appeal. The annual fee is reasonable considering the potential value of the rewards and benefits, making this card an excellent choice for individuals with good to excellent credit who seek a well-rounded travel rewards card.

4.1
Overall Rating

Pros & Cons

What's great

  • Generous sign-up bonus
  • High rewards rate
  • Transfer partners
  • No foreign transaction fees
  • Travel insurance and purchase protection
  • Complimentary DashPass membership

Things to consider

  • Annual fee
  • High regular APR
  • Requires good or excellent credit

What this card offers

Sign-up bonuses

  • Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

Rewards

  • Earn 5x total points on travel purchased through Chase TravelSM, excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit.
  • Earn 3x points on dining, including eligible delivery services, takeout and dining out.
  • Earn 2x on other travel purchases.
  • Earn 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
  • Earn 3x points on select streaming services.
  • Earn 1 point per dollar spent on all other purchases.
  • Each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year. That means if you spend $25,000 on purchases, you'll get 2,500 bonus points.
  • Earn 5x total points on Lyft rides with your Chase Sapphire Preferred card through September 30, 2027.
  • Earn 5x total points on eligible Peloton equipment and accessory purchases over $150 through December 31, 2027.

Other features

  • $50 Annual Chase TravelSM Hotel Credit: Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Travel.
  • 1:1 Point Transfer: With Chase Sapphire Preferred®, you can transfer your points to leading frequent travel programs at 1 to 1 value.
  • Airline Travel Partners: Aer Lingus, AerClub; Air Canada Aeroplan; British Airways Executive Club; Flying Blue AIR FRANCE KLM; Iberia Plus; JetBlue TrueBlue; Singapore Airlines KrisFlyer; Southwest Airlines Rapid Rewards; United MileagePlus; Virgin Atlantic Flying Club.
  • Hotel Travel Partners: IHG Rewards Club; Marriott Bonvoy; World of Hyatt.
  • DoorDash DashPass benefits: Get a complimentary DashPass membership, a $120 value for 12 months. Enjoy $0 delivery fees and reduced service fees on eligible DoorDash orders when you activate by December 31, 2027.
  • DashPass members get a $10 promo each month ($120 annually) to save on groceries, retail orders, and more through December 31, 2027.
  • No foreign transaction fees: You will pay no foreign transaction fees when you use your card for purchases made outside the United States. For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.
  • Chase Pay Over Time: Eligible cardmembers can break up card purchases of $100 or more into fixed monthly payments with Chase Pay Over Time. No interest, just a fixed monthly fee.
  • 24/7 Access to a Customer Service Specialist: Enjoy 24/7 access to a customer service specialist from virtually anywhere in the world.
  • Apply for a card, use it the same day: Receive instant access to your card by adding it to a digital wallet, like Apple Pay, Google Pay or Samsung Pay.
  • Trip Cancellation and Interruption Insurance: If your trip is canceled or cut short by sickness, severe weather or other covered situations, you can be reimbursed up to $10,000 per covered traveler and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
  • Baggage Delay Insurance: Reimburses you up to $100 a day for up to 5 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
  • Travel and Emergency Assistance: If you run into a problem while traveling away from home, this benefit provides legal and medical referrals and access to other travel and emergency assistance services. (You will be responsible for the cost of any goods or services obtained.)
  • Purchase Protection: Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
  • Auto Rental Coverage: Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.
  • Trip Delay Reimbursement: If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you are covered for unreimbursed expenses, such as meals and lodging, up to $500 per covered traveler.
  • Extended Warranty Protection: Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
  • Stay informed and alert with Chase Credit Journey: By enrolling in identity monitoring, you can receive alerts when your information is found on the dark web or in a data breach. And, if your data is stolen, assistance is available to you.

Additional Notes

Chase Sapphire Preferred credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC.

Ratings

4.6
4.3
4.5
1.5
4.2