Chase
Chase Sapphire Preferred® Credit Card
Key Features
| Annual Fee | $95.00 |
| Sign-up Bonus | Earn 75,000 points |
| Rewards Rate | Earn 1x-5x points |
| Regular APR | 19.24Min. of (6.75+12.49) and 29.99%–27.49Min. of (6.75+20.74) and 29.99% variable APR. |
About this card
The Chase Sapphire Preferred® Credit Card earns an overall rating of 4.3 out of 5.0, classifying it as an excellent choice for its target audience. This card excels in its core purpose: providing exceptional value for travelers and rewards enthusiasts. Its rewards program (4.8/5.0) is a significant highlight, offering a generous sign-up bonus, robust earning rates in popular categories (travel, dining, online groceries, streaming), and industry-leading flexibility through 1:1 point transfers to numerous valuable airline and hotel partners. The fee structure (4.2/5.0) is also very good, as the $95 annual fee is substantially offset by benefits like a $50 annual Chase TravelSM Hotel Credit and a complimentary DashPass membership, making it feel minimal for users who leverage these perks. The absence of foreign transaction fees is crucial for a travel card, and its comprehensive suite of travel and purchase protections adds immense value and peace of mind. Furthermore, the card and its issuer, Chase, command an excellent reputation in the market, consistently praised by experts and users for reliability and value. The primary drawback is its high variable APR (1.5/5.0), which is uncompetitive and lacks an introductory 0% offer. However, for the card's intended users—individuals with very good credit who typically pay their balances in full to maximize rewards—the APR's impact is significantly mitigated. The card's powerful rewards ecosystem, robust benefits, and strong reputation far outweigh this single weakness, establishing it as a top-tier option in the mid-range travel rewards segment.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate in popular spending categories
- No foreign transaction fees
- Valuable travel benefits and protections
- Ability to transfer points to numerous travel partners
- Additional lifestyle perks and credits
Things to consider
- Annual fee
- High regular APR
What this card offers
Sign-up bonuses
- Earn 75,000 points after you spend $5,000 in purchases in the first 3 months from account opening.
Rewards
- 5x points on Chase Travel
- 3x points on dining
- 3x points on gas stations, EV charging, and vacation homes at top brands
- 3x points on top streaming services and online grocery, exclusions apply
- 2x points on all other travel
- and 1X points on all other purchases
Other features
- $100 Chase Travel Hotel Credit: Earn up to $100 in statement credits each account anniversary year for hotel stays purchased through Chase Travel.
- Global Entry or TSA PreCheck or NEXUS Application Fee credit: Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card.
- Apple TV benefit: Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $156.
- DoorDash 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 12/31/27.
- Plus, DashPass members get a $10 promo each month ($120 annually) to save on groceries, retail orders, and more.
- 5x on Peloton purchases: Earn 5x total points on eligible Peloton equipment and accessory purchases over $150 through 12/31/27.
- 5x on Lyft rides: Earn 5x on Lyft rides through 9/30/27.
- Transfer Points: With Chase Sapphire Preferred, you can transfer your points to leading frequent travel programs.
- 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; Wyndham Rewards.
- Trip Cancellation and Interruption Insurance: reimbursed up to $10,000 per covered traveler and $20,000 per trip for pre-paid, non-refundable travel expenses.
- Baggage Delay Insurance: Reimburses you up to $100 a day for up to 5 days when baggage is delayed over 6 hours.
- Travel and Emergency Assistance: provides legal and medical referrals and access to other travel and emergency assistance services.
- Roadside Assistance: Roadside service fees will be billed to your card at time of dispatch.
- Purchase Protection: Covers eligible new purchases for 120 days against damage or theft up to $500 per item.
- Auto Rental Coverage: 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: covered for unreimbursed expenses up to $500 per covered traveler when travel is delayed more than 12 hours or requires an overnight stay.
- Travel Accident Insurance: eligible to receive up to $500,000 in accidental death or dismemberment coverage when you pay for transportation with your card.
- Lost Luggage Reimbursement: Provides reimbursement up to $3,000 per covered traveler for checked or carry-on baggage that is lost, damaged or stolen during a covered trip.
- Extended Warranty Protection: Extends 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.
- Emergency Evacuation and Transportation: covered for medical services and transportation up to $100,000 when 100 miles or more from home.
- 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.
- 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.
- Chase Credit Journey: identity monitoring alerts and assistance; free for everyone.
- Chase Pay Over Time: After purchase (formerly My Chase Plan) — No Interest, just a fixed monthly fee with plan durations 3-24 months; At checkout — option to create a payment plan at Amazon.com for orders totaling $50 or more.
Additional Notes
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.