Chase Sapphire Reserve
chase
4.6 / 5
- Welcome
- 100,000 points
- Annual fee
- $795
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Chase · sapphire
Chase Sapphire Preferred Card
4.7 / 5
Ultimate Rewards · Personal card
The mid-tier travel card most people keep for years. The June 2026 refresh added 3x earning on gas, EV charging, and vacation rentals, doubled the hotel credit to $100, and added a $120 Global Entry credit, all at a $95 fee.
At a glance
- Welcome bonus
- 75,000 points
- Spend $5,000 in 3 months
- Annual fee
- $95
- Year-one and ongoing
- Purchase APR
- 19.49% to 27.74%
- No intro APR
- FX fee
- None
Editorial
Our take
The mid-tier travel card most people keep for years. The June 2026 refresh added 3x earning on gas, EV charging, and vacation rentals, doubled the hotel credit to $100, and added a $120 Global Entry credit, all at a $95 fee.
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 transfers at a 4:3 ratio for new cardholders (existing cardholders transition October 1, 2026)
Earnings
Earn rates
| Category | Rate | Notes |
|---|---|---|
| Travel via Chase Travel | 5x points | Travel purchased through Chase Travel. |
| Dining | 3x points | Worldwide dining at restaurants. |
| Streaming | 3x points | Select streaming services. |
| Online groceries | 3x points | Excludes Target, Walmart, wholesale clubs. |
| Gas, EV charging & vacation rentals | 3x points | Gas stations, EV charging, and vacation rentals at top brands. Added in the June 15, 2026 refresh. |
| All other travel | 2x points | All other travel purchases. |
| All other purchases | 1x 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.
June 2026 refresh benefits
3x earning on gas, EV charging, and vacation rentals joined the card, the hotel credit doubled to $100, and a $120 Global Entry credit was added.
$100 hotel credit
Annual statement credit on hotels booked through Chase Travel, doubled from $50 in June 2026.
$120 Global Entry, TSA PreCheck or NEXUS credit
Statement credit every four years for a Global Entry, TSA PreCheck, or NEXUS application fee.
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 19.49% to 27.74% 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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Apply
Chase Sapphire Preferred Card
Spend $5,000 in 3 months
Rates accurate as of October 6, 2026. Issuer terms.