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Chase Sapphire Preferred®
Chase

Chase Sapphire Preferred®

A $95-a-year travel rewards card from Chase.

Transfers to airlines & hotels
Annual fee
$95/yr
Welcome bonus
75,000 Ultimate Rewards® Points
Min spend
$5,000 in 3 months
Recommended credit
Good to Excellent (700+)
Network
Visa
Foreign transaction fee
None
Apply on Chase site9.0/10Our rating · review ›

Rates, fees, and full terms are set by Chase and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: Chase application and welcome-bonus rules →
Offer last verified August 9, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on dining, groceries, and gas and want travel rewards they can grow.

⚠ Think twice if

you will not use enough of its perks and credits to cover the $95 annual fee.

Earning rates

3x on dining worldwide
3x on online grocery purchases
3x on streaming services
3x on gas and EV charging
3x on vacation home rentals (Airbnb, Vrbo, and more)
2x on all other travel
25% more value redeeming points for travel via Chase

Best ways to earn & redeem

Put your dining, groceries, and gas spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus.

When you cash in, transfer the points to airline and hotel partners for potential outsized value, or take a flat 1 cent as cash or travel. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

$100 annual hotel credit via Chase Travel
Transfers to 14 airline and hotel partners (United, Southwest & more), mostly 1:1; Hyatt transfers at 4:3 as of 2026
Primary rental car coverage worldwide
Trip cancellation/interruption insurance up to $10,000 per person
No foreign transaction fees
Purchase protection and extended warranty

Statement credits

$100 annual hotel credit (via Chase Travel)
$120 Global Entry, TSA PreCheck, or NEXUS application fee credit (every 4 years)
$10 monthly DoorDash credit on non-restaurant orders, plus complimentary DashPass (through December 2027)
Complimentary Apple TV+ for one year (activate by December 31, 2026)

Transfer partners

Your Ultimate Rewards transfer directly to airline and hotel loyalty programs, usually at 1:1. That is where transferable points beat flat cash back, because the right award can be worth well over 1 cent each. Major partners include:

Airline partners

United Airlines, Southwest Airlines, British Airways, Air France/KLM, Singapore Airlines, Air Canada, Virgin Atlantic

To see what a specific flight award actually costs, look up live mileage prices and seat availability on seats.aero.

Hotel partners

World of Hyatt

You can check the live points price for a specific stay on rooms.aero.

See the full Chase ecosystem, card lineup, and live transfer bonuses →

Alternatives to the Chase Sapphire Preferred®

Pairs well with

The Chase Sapphire Preferred® is a Chase transfer hub. Pair it with these strong Ultimate Rewards earners, whose points pool into it so you can transfer the combined balance.

Learn more

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Chase Sapphire Preferred® lands.

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