Chase
Chase Sapphire Preferred® Credit Card
Key Features
| Annual Fee | $95.00 |
| Sign-up Bonus | Earn 100,000 points |
| Rewards Rate | 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. |
| Other Fees | Roadside service fees will be billed to your card at time of dispatch. You will be responsible for the cost of any goods or services obtained. Qualifying orders containing alcohol will be charged a $0.01 Delivery Fee. |
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 Travel℠ 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.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- No foreign transaction fees
- Transfer partners for points
- Extensive travel insurance benefits
- Valuable travel credits and perks
Things to consider
- Annual fee
- High regular APR
- No intro APR period
What this card offers
Sign-up bonuses
- Earn 75,000strike through 100,000 points
- after you spend $5,000 in purchases in the first 3 months from account opening.
- New Cardmember Bonus – 100,000 Points: To qualify, you must make $5,000 in purchases during 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
- Earn 5x total points on eligible Peloton equipment and accessory purchases over $150 through 12/31/27.
- Earn 5x on Lyft rides through 9/30/27.
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
- Are you a member of a frequent travel program? 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®
- You're covered with built-in benefits - travel confidently & shop with confidence
- 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.)
- Roadside Assistance
- If you have a roadside emergency, call the service provider to dispatch the help you need. Roadside service fees will be billed to your card at time of dispatch.
- 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.
- Travel Accident Insurance
- When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive up to $500,000 in accidental death or dismemberment coverage.
- Lost Luggage Reimbursement
- Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.
- 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.
- NEW Emergency Evacuation and Transportation
- If you or a covered traveler are injured or become sick during a trip 100 miles or more from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.
- 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. Find out how at chase.com/digital/spend-instantly.
- Stay informed and alert with Chase Credit Journey®
- A personal concierge to assist you at every step: Get a direct line to assistance that's assigned to you round-the-clock. They'll help you prepare for every step in the process and keep you informed.
- Coverage for select out-of-pocket costs: If identity theft happens, you may be covered for certain expenses.
- Assistance if you lose your wallet: Get help if you lose any of your credit cards, your ID or other important documents, no matter where you are in the world.
- And, it's free for everyone!
- Chase Pay Over Time lets eligible Chase customers break up credit card purchases into budget friendly payments.
- 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.
- 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.
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. Offers may vary depending on where you apply, for example online or in a branch, and can change over time. To take advantage of this particular offer now, apply through the method provided in this advertisement. Review offer details before you apply.

