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Credit Card Review🔥 Best Overall

Chase Sapphire Preferred®

Issued by Chase

5x Chase Travel, 3x dining, gas/EV charging, online grocery, streaming & vacation rentals, 2x other travel — plus 75,000 points after $5,000 spend in 3 months; public offer checked October 12, 2026.

At a Glance

Annual Fee

$95

Purchase APR

19.49%–27.74%

Rewards Rate

5x Chase Travel, 3x dining, gas/EV charging, online grocery, streaming & vacation rentals, 2x other travel

Credit eligibility

Issuer review required; no guaranteed score cutoff

Sign-Up Bonus

75,000 points after $5,000 spend in 3 months; public offer checked October 12, 2026

Rates & Fees

Annual Fee

$95

Purchase APR

19.49%–27.74% variable

Foreign Transaction Fee

None

Balance Transfer Fee

5% of the amount transferred, $5 minimum

Cash Advance Fee

5% or $10 minimum, whichever is greater

Late Payment Fee

Up to $41

Detailed comparisons

Sapphire Preferred vs. Amex Gold

Compare the current fees, credits, and earning categories.

Best Travel Cards of 2026

Compare no-fee, $95, and premium travel cards.

Estimate Your Rewards

See how this card fits your monthly spending

Enter your typical monthly spend by category to see roughly what the Chase Sapphire Preferred® would earn you per year (this doesn't include any one-time sign-up bonus).

Assumes steady monthly spending at eligible merchants. Portal-only, selected and rotating bonuses are excluded unless explicitly modeled. Statement credits and welcome bonuses are excluded. Points use an assumed value of 1¢ each; actual redemption value varies.

$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$3,000/mo

Note: General groceries use 1x because 3x applies only to eligible online grocery purchases (excluding Target, Walmart and wholesale clubs). Chase Travel earns 5x and qualifying vacation homes earn 3x; those booking-specific bonuses are not modeled. Gas/EV charging earns 3x.

Est. Annual Rewards

$372/yr

After $95 Annual Fee

$277/yr

Based On

$1,950/mo

Key Features

$100 annual Chase Travel hotel credit

Up to $120 Global Entry/TSA PreCheck/NEXUS credit every four years

Expanded travel protections including emergency evacuation coverage

Pros & Cons

Pros

  • Broader 3x everyday categories added in 2026
  • Points transfer to airline and hotel partners
  • Low $95 annual fee for the value

Tradeoffs

  • No airport lounge access
  • Foreign transaction fee waived, but no lounge

How to Apply

Check Chase's eligibility information and any prequalification option. A credit score alone does not establish approval; income, debt and credit history also matter.

Gather your Social Security number, annual income, housing payment, and employer details before starting the application.

Apply directly through Chase's official site or app to make sure you're getting current, accurate offer terms.

Most issuers give an instant decision online; some applications are sent to manual review, which can take 7–10 business days.

If approved, activate the card and set up autopay before your first statement is due to avoid a late payment.

How It Compares

Current product highlighted
ProductAnnual FeePurchase APRRewards Rate
Chase Sapphire Preferred®$9519.49%–27.74%5x Chase Travel, 3x dining, gas/EV charging, online grocery, streaming & vacation rentals, 2x other travel
Chase Sapphire Reserve®$79519.74%–28.24%8x Chase Travel, 4x direct flights/hotels, 3x dining, 1x other purchases
Capital One Venture X$39519.74%–28.74%10x hotels & rental cars, 5x flights via Capital One Travel, 2x everything else
Citi Strata Premier® Card$9520.24%–28.24%10x hotels, car rentals & attractions via CitiTravel; 3x restaurants, supermarkets, gas & air travel

Frequently Asked Questions

What credit score do I need for the Chase Sapphire Preferred®?

We do not have a verified universal minimum score for the Chase Sapphire Preferred®. Chase evaluates your application and credit profile, including income and debt. Check the current eligibility terms; a particular score does not guarantee approval or a credit limit.

What's the annual fee on the Chase Sapphire Preferred®?

The Chase Sapphire Preferred® carries a $95 annual fee. Whether that's worth it depends on how much value you get from its rewards rate and included perks each year.

Does the Chase Sapphire Preferred® have a sign-up bonus?

Our reference snapshot lists: 75,000 points after $5,000 spend in 3 months; public offer checked October 12, 2026. This is not confirmation that the offer remains available. Check the current offer, eligibility and spending deadline on Chase's site before applying.

What fees should I watch for on the Chase Sapphire Preferred®?

Beyond the annual fee, check the foreign transaction fee (None), balance transfer fee (5% of the amount transferred, $5 minimum), cash advance fee (5% or $10 minimum, whichever is greater), and late payment fee (Up to $41). These matter most if you carry a balance, transfer debt, or use the card internationally.

How does the Chase Sapphire Preferred® compare to similar cards?

The Chase Sapphire Preferred® is one of several travel cards worth comparing side by side — see the "How It Compares" table on this page for a few close alternatives, or browse the full list of travel cards for more options.

Other Credit Cards

Chase Sapphire Reserve®

8x Chase Travel, 4x direct flights/hotels, 3x dining, 1x other purchases

Capital One Venture X

10x hotels & rental cars, 5x flights via Capital One Travel, 2x everything else

Citi Strata Premier® Card

10x hotels, car rentals & attractions via CitiTravel; 3x restaurants, supermarkets, gas & air travel

Rates, fees, and rewards shown are illustrative as of 2026 and subject to change — always confirm current terms directly with the issuer before applying.

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