Chase
Chase Sapphire Preferred® Credit Card
TravelDiningGroceryHotelAirlineIntro OfferNo Foreign Transaction Fees
Key Features
| Annual Fee | $95.00 |
| Sign-up Bonus | 75,000 bonus points |
| Rewards Rate | 1x-5x points |
| Regular APR | 19.24%–27.49% variable APR. |
Read the full review
Best for those with
Very Good Credit
About this card
The Chase Sapphire Preferred Credit Card earns an overall rating of 4.3 out of 5.0, solidifying its position as an excellent choice for individuals seeking a versatile and rewarding travel card. Its strengths are predominantly in its outstanding rewards program (4.8/5.0), justified fee structure (4.2/5.0), and exceptional reputation (4.8/5.0). The card offers a highly valuable sign-up bonus, robust earning rates across key categories like travel and dining, and unparalleled flexibility through Chase Ultimate Rewards, including 1:1 point transfers to numerous airline and hotel partners. The $95 annual fee is notably offset by benefits such as a $50 annual Chase TravelSM Hotel Credit and complimentary DashPass membership, further enhancing its value proposition. Additionally, the absence of foreign transaction fees and inclusion of comprehensive travel and purchase protections make it an ideal companion for international and domestic trips. The primary drawback is its high variable APR (1.5/5.0), which is not competitive for its target audience with 'Very Good' credit and lacks an introductory 0% APR offer. However, for responsible cardholders who pay their balances in full—the intended users of a travel rewards card—the APR is less of a concern. The card's numerous benefits and the potential for high-value redemptions significantly outweigh this single weakness, making it a top contender in the mid-tier travel rewards market.
4.3
Overall Rating
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate on popular spending categories
- No foreign transaction fees
- Valuable point transfer partners
- Comprehensive travel and purchase protections
- Annual travel credit and additional perks
Things to consider
- Annual fee applies
- High regular APR
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.
- Plus, 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
- This credit card is unavailable to you if you currently have this card open. The new cardmember bonus may not be available to you if you previously held this card or received a new cardmember bonus for this card. We may also consider the number of cards you have opened and closed, in determining your bonus eligibility.
- $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
- Are you a member of a frequent travel program? 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®
- Over $200 in partnership benefit value
- 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.
- Plus, DashPass members get a $10 promo each month ($120 annually) to save on groceries, retail orders, and more through December 31, 2027.
- 5x points on Lyft rides Earn 5x total points on Lyft rides with your Chase Sapphire Preferred card through September 30, 2027.
- 5x points on Peloton equipment Earn 5x total points on eligible Peloton equipment and accessory purchases over $150 through December 31, 2027.
- 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.
- No foreign transaction fees You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
- 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.
- Stay informed and alert with Chase Credit Journey Chase Credit Journey is so much more than a free credit score. 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.
- And, it's free for everyone!
- 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.
- Chase Pay Over Time After purchase (formerly My Chase Plan ® ): Pay off an eligible purchase you've already made of $100 or more in smaller, equal monthly payments. No Interest- just a fixed monthly fee with plan durations that range from 3-24 months. Start a plan by selecting an eligible purchase with the "Pay Over Time" option next to the transaction amount in your credit card activity.
- Chase Pay Over Time At checkout: Chase Credit card members may have the option to create a payment plan at checkout on Amazon.com. Orders totaling $50 or more using your eligible Chase credit card at Amazon.com could be eligible for Chase Pay Over Time. You will be able to view Chase Pay Over Time plan options (including the fixed APR and durations) at checkout.
- Keep in mind: Even though you may have an eligible card, access to Chase Pay Over Time is not guaranteed. Your ability to create a Chase Pay Over Time plan is based on a variety of factors, such as your creditworthiness, credit limit and account behavior, and may change from time to time.
- Earn up to 100,000 bonus points per year. You can earn 15,000 bonus points for each friend who gets any participating Chase Sapphire credit card.
Ratings
4.8
4.8
4.4
1.5
4.2