Why consider it: For using Chase points with airline and hotel transfer partners without choosing a lounge-focused premium card.
Trade-off: The hotel credit requires Chase Travel bookings; compare that restriction with booking directly. Benefits you actually use must justify the annual fee.
- Annual fee
- $95
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,537Total$1,537Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $1,537
- Welcome offerAfter $5,000 in purchases in the first 3 months from account opening. Offer eligibility requirements apply.
- 75,000 points
- Features
- Issuer
- Chase
- Network
- Program
- Chase Ultimate Rewards
- Fees and terms
- Annual Fee
- $95/yr
- Min. annual income
- —
- Interest rates
- Purchases
- 19.49 %
- Foreign transaction fee
- 0 %
Issuer terms
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.
- Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel℠.
- Receive up to a $120 application-fee credit every four years for Global Entry, TSA PreCheck or NEXUS, subject to the qualifying payment conditions.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/29. Plus, a $10 promo each month on non-restaurant orders.
- Member FDIC
Gas stations, EV charging and eligible vacation-home purchases at participating brands earn 3 points per dollar. The first $100 in Chase Travel hotel purchases covered by the annual credit does not earn points. The card is unavailable if you currently have it open; a previous account or bonus may affect bonus eligibility.
Purchase APR
The variable purchase APR is 19.49% to 27.74%, depending on creditworthiness and the issuer’s terms. It varies with the U.S. Prime Rate. This is not an introductory 0% rate.
Sources checked October 25, 2026: Chase Sapphire Preferred benefits, Chase rates and fees.
- Rewards
- Rate
- Restaurants
- 3x
- Streaming
- 3x
- Gas
- 3x
- Travel
- 2x
- Benefits
- NEXUS
- $120
- Travel insurance
- Coverage
- Trip Cancellation
- $10,000
- Trip Interruption
- $10,000
- Delayed Baggage
- $500
- Lost Baggage
- $3,000
- Flight Delay
- $500
- Travel Accident
- $500,000
- Purchase protection
- Coverage
- Purchase Protection
- $500 · 120 days
- Extended Warranty
- +1 year
- Auto Rental Collision (primary)
- $60,000 · 31 days
Pros
- Welcome bonus of 75,000 points
- 3x at restaurants
Cons
- Fewer premium perks
The Chase Sapphire Preferred® Card suits a traveler who wants transferable points without a premium annual fee. The current offer is 75,000 bonus points after $5,000 in purchases in the first 3 months. The annual fee is $95.
You earn 5 points per dollar on eligible Chase Travel purchases, 3 on dining, select streaming services, eligible online groceries, gas stations, EV charging and eligible vacation-home bookings, 2 on other travel, and 1 on other purchases. Category exclusions apply.
The hotel benefit provides up to $100 in statement credits each account anniversary year for eligible Chase Travel hotel purchases. The first $100 covered by this benefit does not earn points. A separate application-fee credit provides up to $120 every four years for Global Entry, TSA PreCheck or NEXUS when the qualifying fee is charged to the card.
