Chase Sapphire Preferred
The Sapphire Preferred is the entry door to Chase's transferable Ultimate Rewards ecosystem at a $95 annual fee, with 5x on Chase Travel bookings, 3x on dining and online grocery, and a 10% anniversary points boost that compounds over years. For premium-card economics without the $895 Amex Platinum commitment, this is the right starting point. The math gets harder to argue with the longer you hold it.
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- Annual fee$95$7.92/mo equivalent
- Limited-time offer100,000 points≈$1,500 at our valuationafter $5,000 in 3 monthsElevated promotion. Not the standard offer.
- Offer history
Welcome offers on this card have changed before. Knowing what it previously offered helps you judge whether today's number is worth acting on now or waiting.
- 75,000 pointsafter $5,000 in 3 monthsMay 13, 2026 to June 15, 2026
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- Recommended credit670-770Median 720. See why →
Earning rates
on Chase Ultimate Rewards- 5xChase Travel PortalExcludes hotel creditvia portal
- 5xLyftThrough 9/30/2027
- 5xPelotonThrough 12/31/2027
- 3xDining
- 3xOnline GroceryExcl. Target & Walmart
- 3xStreaming
- 2xTravel
- 1xEverything else
Benefits and credits
Travel credits and perks
- $50 Annual Chase Travel Hotel Credit$50/year
- Roadside Assistance
- Travel and Emergency Assistance
Lifestyle credits
- 10% Annual Points Bonus
- DashPass + DoorDash Credit$10/monthThrough 12/31/2027
Purchase and protection benefits
- Extended Warranty Protection
- Purchase ProtectionUp to $500 · 120d
Travel and purchase coverage
- Baggage delay$500Delay threshold 6hAfter 6h delay
- Lost luggage$3,000
- Rental car collision damage waiver$60,000Primary coverage
- Travel accident insurance$500,000
- Trip cancellation and interruption$10,000Per trip $20,000
- Trip delay reimbursement$500Delay threshold 12hAfter 12h delay
Pricing and fees
Full Pricing and Terms- Purchase APR
- 19.24% to 27.49%
- Foreign tx
- None
- Penalty APR (cap)
- 29.99%
- Balance transfer
- 19.24% to 27.49%
- Fee $5 or 5.00%, whichever is greater
- Cash advance
- 28.49%
- Fee $10 or 5.00%, whichever is greater
- Late / returned
- $40 · $40
Eligibility and application
- Card typeUnsecured personal card
- Pre-qualificationSoft-pull pre-qualification available
- Application inquiryHard credit inquiry on submission
- Approval bureauNot disclosed by issuer
- Authorized user feeNot disclosed by issuer
- Reports AU to bureausConditionalReports adult AU activity to all three bureaus; does not report minors (under 18).Issuer policy
How the recommended credit score is derived
Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.
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Chase Freedom UnlimitedChase · VisaThe Freedom Unlimited is a no-annual-fee workhorse that earns 1.5% on everything, with elevated rates on dining, drugstores, and Chase Travel.
$0 annual fee -
Wells Fargo Autograph Journey CardWells Fargo · VisaAutograph Journey is Wells Fargo's $95 travel card, with 5X on hotels, 4X on airlines, 3X on restaurants and other travel, and 1X elsewhere.
$95 annual fee -
Citi Strata Premier CardCiti · MastercardThe Citi Strata Premier is Citi's mid-tier transferable-points travel card, and at $95 a year it leans on a broad 3x earning structure rather than perks.
$95 annual fee
Sources
Affiliate disclosure
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Not financial advice
ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.