Chase Sapphire Preferred
Annual fee: $95
Sign-Up Bonus
Value assumptions and offer source
1¢ per point: Chase Travel redemption (standard rate) (issuer terms, checked 2026-10-07). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.
Offer last checked 2026-10-11.
Offer sourcePreferred is unavailable if already held. Prior ownership, bonuses, and account history can limit bonus eligibility.
Preferred offer conditions
Spend $5,000 in qualifying purchases in the first 3 months from account opening. Chase says the card is unavailable if you already hold it. Prior ownership, prior bonuses, and opening or closing other cards may affect bonus eligibility; a fixed waiting period does not guarantee another bonus. The account must be open and not in default when the bonus is fulfilled. Balance transfers, cash advances and cash-like transactions, gambling, money transfers and account funding, account-access checks, interest, fees, and unauthorized or fraudulent charges do not qualify. Allow 6–8 weeks after qualification for the bonus to post. See the official offer details; offers can differ by application channel.
Official offer detailsPricing and account termsBonus History
Tracking since February 10, 2026
Earning Rates
Card Benefits
- ✓Up to $100 in Chase Travel hotel credits per account anniversary year; credited purchases do not earn points
- ✓Up to $120 Global Entry, TSA PreCheck or NEXUS application fee credit every four years
- ✓Primary rental collision/theft coverage subject to the benefit guide
- ✓No foreign transaction fees
Why Consider the Chase Sapphire Preferred
The Chase Sapphire Preferred from Chase offers a 75,000 points sign-up bonus worth approximately $750. Spend $5,000 in qualifying purchases in the first 3 months from account opening. Chase says the card is unavailable if you already hold it. Prior ownership, prior bonuses, and opening or closing other cards may affect bonus eligibility; a fixed waiting period does not guarantee another bonus. The account must be open and not in default when the bonus is fulfilled. Balance transfers, cash advances and cash-like transactions, gambling, money transfers and account funding, account-access checks, interest, fees, and unauthorized or fraudulent charges do not qualify. Allow 6–8 weeks after qualification for the bonus to post. See the official offer details; offers can differ by application channel.
Beyond the sign-up bonus, the card earns 5x Chase Travel purchases, 3x dining, selected streaming and online grocery (exclusions apply), 3x gas stations, EV charging and vacation homes at eligible brands, 2x other travel on top of 1x on other purchases. Ultimate Rewards points can be transferred to airline and hotel partners for outsized value, or redeemed at 1.25-1.5x through the Chase travel portal with a Sapphire card.
The $95 annual fee is reasonable given the bonus value and ongoing rewards. The card requires good credit (670+).
Chase Application Rules
5/24 rule: Cannot be approved if you've opened 5+ cards in past 24 months
Compare This Card
Related Guides
On Chase's secure site