description Chase Sapphire Preferred Overview
The Chase Sapphire Preferred offers a strong balance of rewards and value, making it a popular choice for many travelers. It earns 5x points on travel purchased through Chase Ultimate Rewards, 3x points on dining and select streaming services, and 2x points on all other travel. The $95 annual fee is easily offset by the rewards earned. It provides travel insurance, purchase protection, and a generous welcome bonus.
It's a great option for those who want a premium travel card without the high annual fee of the Reserve, and who value flexibility in how they redeem their points.
info Chase Sapphire Preferred Specifications
| Network | Visa Signature |
| Annual Fee | $95 |
| Dining Points | 3x on dining and select streaming |
| Sign Up Bonus | 60,000 points after $4,000 spend in 3 months |
| Travel Points | 5x via Chase Ultimate Rewards |
| Annual Hotel Credit | $50 on stays booked through Chase Ultimate Rewards |
| Other Travel Points | 2x on all other travel |
| Minimum Credit Score | Good to Excellent (typically 670+) |
| Point Redemption Rate | 1.25 cents via Chase Travel; 1:1 transfer to partners |
| Foreign Transaction Fees | None |
balance Chase Sapphire Preferred Pros & Cons
- 5x points on travel booked through Chase Ultimate Rewards is among the highest rates available for this category
- 3x points on dining supports frequent restaurant diners and food delivery orders
- Chase Ultimate Rewards points transfer to 14 airline and hotel partners at 1:1 ratio, providing excellent redemption flexibility
- $95 annual fee is offset by $50 annual hotel credit plus valuable travel protections including primary rental car insurance
- Points are worth 1.25 cents each when redeemed for travel through Chase Travel, guaranteeing at least 25% more value than cash back
- No foreign transaction fees makes it ideal for international travelers
- No airport lounge access unlike competing premium cards such as Chase Sapphire Reserve
- $95 annual fee is not waived the first year unlike some competitor cards
- $4,000 minimum spending within 3 months to earn sign-up bonus may be challenging for some applicants
- Does not include credits for Global Entry/TSA PreCheck which many frequent travelers value
- Card is plastic rather than metal, giving it a less premium feel than the Reserve variant
help Chase Sapphire Preferred FAQ
What is the current sign-up bonus for the Chase Sapphire Preferred?
New cardholders can earn 60,000 bonus points after spending $4,000 in the first 3 months. These points are worth approximately $750 when redeemed for travel through Chase Ultimate Rewards.
Does the Chase Sapphire Preferred charge foreign transaction fees?
No, the Chase Sapphire Preferred does not charge foreign transaction fees, making it an excellent choice for international travel and purchases made outside the United States.
What travel protections does this card offer?
The card includes trip cancellation/interruption insurance, primary rental car insurance, travel delay coverage, and baggage delay protection at no additional cost beyond the annual fee.
Can I upgrade from the Chase Sapphire Preferred to the Reserve?
Yes, Chase allows cardholders to upgrade to the Sapphire Reserve, though you would need to call Chase or request the upgrade through your online account. The Reserve has a $550 annual fee but offers airport lounge access.
What is Chase Sapphire Preferred?
How good is Chase Sapphire Preferred?
How much does Chase Sapphire Preferred cost?
What are the best alternatives to Chase Sapphire Preferred?
What is Chase Sapphire Preferred best for?
Frequent travelers and diners who want strong point-earning rates without the $550 annual fee of premium travel cards.
How does Chase Sapphire Preferred compare to Citi Strata Premier?
Is Chase Sapphire Preferred worth it in 2026?
What are the key specifications of Chase Sapphire Preferred?
- Network: Visa Signature
- Annual Fee: $95
- Dining Points: 3x on dining and select streaming
- Sign Up Bonus: 60,000 points after $4,000 spend in 3 months
- Travel Points: 5x via Chase Ultimate Rewards
- Annual Hotel Credit: $50 on stays booked through Chase Ultimate Rewards
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