Chase
Chase Sapphire Preferred Card Review
Travelers who want transferable points and a mid-tier annual fee
Updated for 2026
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See how to apply →Overview
The Chase Sapphire Preferred is a mid-tier travel card that earns transferable Ultimate Rewards points across travel and dining. Its $95 annual fee is offset by point-transfer value, a Chase Travel redemption bonus, and travel protections.
| Annual fee | $95 |
|---|---|
| Regular APR | 19.24%–27.49% variable |
| Welcome bonus | 100,000 bonus points after spending $5,000 on purchases in the first 3 months (limited-time elevated offer — confirm the current offer on the issuer site) |
| Rewards | 5x points on travel booked through Chase Travel, 3x on dining, select streaming, and online groceries, 2x on other travel, and 1x on everything else |
| Recommended credit | Good to Excellent |
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Pros & cons
Pros
- Points transfer 1:1 to airline and hotel partners and redeem at a 25% bonus through Chase Travel
- No foreign transaction fees, plus trip and purchase protections
- Strong welcome offer relative to the $95 annual fee
Cons
- Carries a $95 annual fee
- Subject to Chase 5/24 and the Sapphire 48-month bonus eligibility restriction
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Advertiser disclosure: this page is supported by advertising and is for information only. Confirm current terms on the issuer's official site before applying.