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Chase Sapphire Preferred Card card art
Chase · sapphire

Chase Sapphire Preferred Card

4.7 / 5
Ultimate Rewards · Personal card

The mid-tier travel card most people keep for years. Transfer partners and strong protections at a $95 fee, with a meaningful refresh arriving June 15, 2026.

See current offer Read issuer terms

At a glance

Issuer terms
Welcome bonus
75,000 points
Spend $5,000 in 3 months
Annual fee
$95
Year-one and ongoing
Purchase APR
20.49% to 27.49%
No intro APR
FX fee
None
Rates accurate as of
Editorial

Our take

The mid-tier travel card most people keep for years. Transfer partners and strong protections at a $95 fee, with a meaningful refresh arriving June 15, 2026.

Verdict

Pros & cons

Pros

  • Strong dining and travel earn rates
  • 1:1 transfers to most airline and hotel partners
  • Primary rental car coverage and 12-hour trip delay protection
  • No foreign transaction fee

Cons

  • Annual fee not waived the first year
  • No lounge access
  • Hyatt transfer ratio drops to 4:3 with the June 2026 refresh
Earnings

Earn rates

CategoryRateNotes
Travel via Chase Travel5x pointsTravel purchased through Chase Travel.
Dining3x pointsWorldwide dining at restaurants.
Streaming3x pointsSelect streaming services.
Online groceries3x pointsExcludes Target, Walmart, wholesale clubs.
All other travel2x pointsAll other travel purchases.
All other purchases1x points
Benefits

Key benefits

Points Boost in Chase Travel

Points redeem at 1 cent base in Chase Travel, with Points Boost pricing up to 1.5 cents on select flights and hotels.

Refresh lands June 15, 2026

3x on gas, EV charging, and vacation rentals joins the card, the hotel credit doubles to $100, and a $120 Global Entry credit is added. Hyatt transfers move to a 4:3 ratio.

$50 hotel credit

Annual statement credit on hotels booked through Chase Travel.

Trip cancellation coverage

Up to $10,000 per traveler for nonrefundable trips canceled for covered reasons.

Fit

Who this is best for

  • Travelers earning Ultimate Rewards
  • People who value transfer partners
  • Anyone who wants primary rental coverage without a premium fee
FAQ

Frequently asked questions

What is the Sapphire Preferred welcome bonus?
Earn 75,000 bonus points after spending $5,000 on purchases in the first 3 months from account opening.
Does the Sapphire Preferred charge an annual fee?
Yes. The annual fee is $95 every year.
Does the Sapphire Preferred have a foreign transaction fee?
No. The Sapphire Preferred charges no foreign transaction fee, so it works well for international purchases.
What APR does the Sapphire Preferred charge?
The purchase APR is 20.49% to 27.49% variable.
Who is the Sapphire Preferred best for?
Travelers earning Ultimate Rewards. People who value transfer partners. Anyone who wants primary rental coverage without a premium fee.
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Chase Sapphire Preferred Card

Spend $5,000 in 3 months
See current offer

Rates accurate as of June 10, 2026. Issuer terms.