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Chase Visa

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. If you want 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.

See current offer Issuer terms
Chase Sapphire Preferred card art
Metal card
  • Annual fee
    $95
    $7.92/mo equivalent
  • Welcome offer
    75,000 points
    after $5,000 in 3 months
  • Recommended credit
    670-770
    Median 720. See why →

Earning rates

on Chase Ultimate Rewards
  • 5x
    Chase Travel Portal
    Excludes hotel credit
    via portal
  • 5x
    Lyft
    Through 9/30/2027
  • 5x
    Peloton
    Through 12/31/2027
  • 3x
    Dining
  • 3x
    Online Grocery
    Excl. Target & Walmart
  • 3x
    Streaming
  • 2x
    Travel
  • 1x
    Everything 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/month
    Through 12/31/2027

Purchase and protection benefits

  • Extended Warranty Protection
  • Purchase Protection
    Up to $500 · 120d

Travel and purchase coverage

  • Baggage delay
    $500
    Delay threshold 6h
    After 6h delay
  • Lost luggage
    $3,000
  • Rental car collision damage waiver
    $60,000
    Primary coverage
  • Travel accident insurance
    $500,000
  • Trip cancellation and interruption
    $10,000
    Per trip $20,000
  • Trip delay reimbursement
    $500
    Delay threshold 12h
    After 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 type
    Unsecured personal card
  • Pre-qualification
    Soft-pull pre-qualification available
  • Application inquiry
    Hard credit inquiry on submission
  • Approval bureau
    Not disclosed by issuer
  • Authorized user fee
    Not disclosed by issuer
  • Reports AU to bureaus
    Not disclosed by issuer

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.

5 data points reviewed

Similar cards

Cards with the most in common, based on the math.

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    The Sapphire Reserve is the premium tier of Chase's Ultimate Rewards ecosystem at $795 a year, designed for travelers who book through Chase Travel and want a lounge network to back up the math.

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Sources

Data current as of May 13, 2026 Report an inaccuracy

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.