Card details · Chase
Chase Sapphire Preferred Credit Card review: fees, rewards and APR
The Chase Sapphire Preferred® Credit Card is a credit card from Chase with a $95 annual fee. By our overall score it ranks #2 of the 242 credit cards we rank (store-only cards excluded), and #1 of 41 Chase cards. It is listed in our grocery, dining and gas rankings.
Key facts
- Issuer
- Chase
- Network
- Visa
- Annual fee
- $95
- Welcome offer
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Foreign transaction fee
- None
- Our overall score
- 84 (#2 of 242 cards)
Sign-up bonus history
Below the highest offer we’ve tracked (100,000 points)
- Current offer
- 75,000 points
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. - Highest tracked since April 2026
- 100,000 points
Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. - Lowest tracked since April 2026
- 75,000 points
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. - Changes tracked
- 2
Show each tracked change
| Date | Headline amount | Offer as recorded |
|---|---|---|
| Apr 22, 2026 | 75,000 points | Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. |
| Jun 17, 2026 | 100,000 points | Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. |
| Sep 29, 2026 | 75,000 points | Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. |
We compare each offer’s headline bonus amount and track it since April 2026 (earlier history is not covered). Spend requirements and time windows may have changed too. Past offers don’t predict future ones. Methodology.
Rewards
- 5X total points on travel purchased through Chase Travel, excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit
- 2X on other travel purchases
- 3X points on dining, including eligible delivery services, takeout and dining out
- 3X points on online grocery purchases (excluding Target,* Walmart and wholesale clubs)
- 3X points on select streaming services
- 1 point per dollar spent on all other purchases
Benefits and notes
$50 annual hotel credit; 10% anniversary bonus; 1.5-1.75x point redemption boost via Chase Travel
Where it ranks
- Overall: #2 of 242 cards (score 84)
- Chase credit cards: #1 of 41
- Grocery cards: #7 of 56 by our grocery score
- Dining cards: #11 of 64 by our dining score
- Gas cards: #37 of 43 by our gas score
Category positions use the score each category ranking is built on, among the non-store cards tagged with that category in our database; a category page can show fewer cards (for example after filters), so its on-page position can differ slightly.
How we put this page together
Everything on this page comes from our card database (checked against Chase’s own site) as of October 9, 2026: fees, APRs, rewards and the welcome offer are shown as stored, without our own estimates. The score is our overall card score, explained in our methodology. We don’t publish star ratings or user reviews. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
What is the annual fee on the Chase Sapphire Preferred Credit Card?
$95, as stored in our database. Confirm the current fee on Chase’s site.
Does the Chase Sapphire Preferred Credit Card have a welcome bonus?
Our database lists this offer: Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Offers change often and terms apply.
Does the Chase Sapphire Preferred Credit Card have a 0% intro APR?
Our database lists no intro APR offer for this card.
Does the Chase Sapphire Preferred Credit Card charge foreign transaction fees?
Our database lists no foreign transaction fee for this card.
How does the Chase Sapphire Preferred Credit Card rank on YourBestCards?
#2 of 242 cards by our overall score (84). In our category lists: #7 of 56 grocery cards; #11 of 64 dining cards; #37 of 43 gas cards.
What is the highest Chase Sapphire Preferred Credit Card sign-up bonus you have tracked?
Since April 2026, the highest headline amount we have tracked is 100,000 points and the lowest is 75,000 points, across 2 changes. The current offer is 75,000 points. This only covers the period we have tracked; terms apply.
Other top Chase cards
- 1.5% cash back on all purchases
- Annual fee
- $0
- Welcome offer
- Earn $25 statement credit when you sign up for automatic payments within the first three months of opening your account and remain enrolled for at least 90 days
- Annual fee
- $0
- 8X points on Chase TravelSM purchases
- 4X on flights and hotels booked direct
- 3X on dining worldwide
- Annual fee
- $795
- Welcome offer
- Earn 100,000 points after you spend $6,000 in purchases in the first 3 months from account opening.
- #5
United Quest℠ Card
Score 69- 8x miles on United flights - 5x miles on fare from United as a MileagePlus member, plus 3x miles earned on entire purchase with the United Quest℠ Card
- 5x miles on hotel stays at Renowned Hotels and Resorts
- 3x miles on all other eligible United purchases
- Annual fee
- $350
- Welcome offer
- Earn 80,000 bonus miles after you spend $4,000 on purchases in the first 3 months your account is open, plus 500 PQP after your first purchase, plus 10,000 bonus miles after you add an authorized user in the first 3 months your account is open (up to 90,000 bonus miles in total).
- #6
Aeroplan® Card
Score 67- NEW! Up to 5x total points per $1 spent on Air Canada purchases, including 3X points on Air Canada purchases with your card, plus an additional 2X points from Air Canada when traveling as an Aeroplan 25K members
- 3X points per $1 spent on travel purchases
- 2X points per $1 spent at grocery stores. Through December 31, 2026, these purchases will earn 3X points per $1 spent
- Annual fee
- $195
- Welcome offer
- Earn up to 115,000 bonus points - 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 40,000 bonus points after you spend $20,000 on purchases in the first 12 months.
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.