Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

on Chase's website

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

on Chase's website

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Card details

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.

  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.

  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories

  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 03/31/22.

  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.

Rates, fees & offers

  • Annual fee

    $95

  • Rewards rate

    1x-5x

  • Bonus offer

    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

  • Intro APR

    N/A

  • Ongoing APR

    APR: 15.99%-22.99% Variable APR

    Cash Advance APR: 24.99%, Variable

    Penalty APR: 29.99%, Variable

  • Balance transfer fee

    Either $5 or 5% of the amount of each transfer, whichever is greater.

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Learn moreLearn more
Annual fee

$95

Annual fee

$99

Annual fee

$199

Regular APR

15.99%-22.99% Variable APR

Regular APR

15.99%-24.99% Variable APR

Regular APR

N/A

Intro APR

N/A

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Erin El Issa

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

5

Editor's overall rating

Pros and cons

Pros
  • New cardholder bonus offer

  • Bonus categories

  • Primary rental car coverage

  • Flexible rewards redemption

  • Transfer partners

Cons
  • Has annual fee

  • Requires good/excellent credit

  • Complicated rewards

One of our favorite travel cards on the market, the Chase Sapphire Preferred® Card offers 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining, select streaming services and online grocery purchases, 2X points on all other travel, and 1 point on every $1 spent on everything else. Each year, cardholders get a $50 credit on hotel stays purchased through Chase Ultimate Rewards®. It also has a signup bonus worth telling your friends about: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Points are best used for travel — either through the Chase Ultimate Rewards® site at a rate of 1.25 cents per point, or transferred to one of Chase's travel partner programs at a rate of 1.25 to 5 cents per point.

The Chase Sapphire Preferred® Card has an $95 annual fee, and no foreign transaction fees.

For more information, check out the full review of the Chase Sapphire Preferred® Card.