Chase
Chase Sapphire Preferred
Chase
Chase Sapphire Preferred
Last verified March 2026
A top-tier travel rewards card with generous points earning and excellent travel protections.
$95
21.49% – 28.49%
1x base rate
$750 value
Excellent (750+)
None
Limited time: earn 75,000 bonus points (up from 60,000)
Updated February 2025
Rewards Breakdown
5x travel via Chase, 3x dining, 2x other travel, 1x everything else
| Category | Rate |
|---|---|
| Travel (Chase) | 5x |
| Dining | 3x |
| Online Groceries | 3x |
| Streaming | 3x |
| Other Travel | 2x |
| Everything else | 1x |
Sign-Up Bonus
60,000 points after spending $4,000 in 3 months
Fees & APR
| Annual Fee | $95 |
| Purchase APR | 21.49% – 28.49% |
| Balance Transfer Fee | 5% |
| Foreign Transaction Fee | None |
| Late Fee | Up to $40 |
Pros & Cons
Annual Fee Break-Even
Based on 1x base rewards rate @ 1.5¢ per point. Bonus category spending may reduce your break-even point.
Customer Reviews
1,842 reviews
Best travel card for the price
I've had this card for 3 years and the points add up fast. The 3x on dining alone makes the $95 fee worth it. Transferred points to Hyatt and got amazing redemptions.
Great card but wish it had lounge access
Love the rewards structure and travel protections. Only downside is no lounge access — you'd need the Reserve for that. But for $95, this is hard to beat.
Points transfer is the real value
The ability to transfer to partners like Hyatt and United is where this card really shines. Got a $500/night hotel room for 15,000 points.