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Is the Sapphire Preferred worth keeping when the fee hits?
Welcome offer — 75,000 bonus points after $5,000 spend in 3 months Verified by source
Portal caveat — Chase Travel averages ~5.94% above booking direct; portal redemptions are worth less than the headline rate.
Recently changed — 2 updates. See below ↓
Apply on Chase's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
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What this card delivers across six value dimensions (0–100, normalized).
| 5× | Travel via Chase Travel Verified by source |
|---|---|
| 3× | Dining (incl. delivery & takeout) Verified by source |
| 3× | Online groceries & select streaming Inferred by source |
| 3× | Gas & EV charging Inferred by source |
| 3× | Vacation rentals (Airbnb, Vrbo, etc.) Inferred by source |
| 2× | Other travel Verified by source |
| 1× | Everything else Inferred by source |
Chase Ultimate Rewards points transfer to these loyalty programs. All transfer 1:1, except World of Hyatt is 4:3 on Sapphire Preferred & Ink Business Preferred (see recent changes). Inferred by source
| Airlines (11) | |
|---|---|
| Hotels (3) |
Recent transfer changes
| Annual hotel credit | $100/yr · annual Inferred by sourceWhat is Annual hotel credit?A credit for hotels booked through the issuer's own travel programme, which typically adds on-property perks such as breakfast and late checkout. On this card: On hotel stays booked via Chase Travel Inferred by source |
|---|---|
| Global Entry / TSA PreCheck / NEXUS | $30/yr · annual Inferred by sourceWhat is Global Entry / TSA PreCheck / NEXUS?Global Entry speeds up US customs and immigration when you arrive from abroad, and includes TSA PreCheck. TSA PreCheck alone is the expedited domestic security lane. This reimburses the government application fee, which you only pay every few years. On this card: Up to $120 every 4 years when you apply or renew Inferred by source |
| Apple TV+ (1 year) | $99/yr · one-time · ends 2026-12-31 Inferred by sourceenrollWhat is Apple TV+ (1 year)?Apple TV+ is Apple's film and television streaming service. On this card: Complimentary 1-year subscription; activate by Dec 31, 2026 Inferred by source |
Which of these will you actually use?
Pre-checked = a typical cardholder captures it. Uncheck the ones you won't.
No lounge access.
| Rental car CDW | Primary, up to $60,000 Inferred by source |
|---|---|
| Trip cancellation | Up to $10,000/person Inferred by source |
| Trip delay | Up to $500/ticket (>12 hrs) Inferred by source |
| Baggage | Up to $3,000/passenger Inferred by source |
| Emergency evacuation & transportation | Up to $100,000 (100+ miles from home) Inferred by source |
| Travel accident | Up to $500,000 accidental death and dismemberment on common carriers Verified by source |
| Purchase protection | Up to $500/item against damage or theft for 120 days from purchase (90 days for NY residents); up to $20,000/account Verified by source |
| Extended warranty | Extends manufacturer's US warranty by 1 additional year on eligible warranties of 3 years or less (up to 4 years total); up to $10,000/item, $50,000/account Verified by source |
Using Sapphire Preferred at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each transaction, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | 29.99% variable Inferred by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
World of Hyatt transfer ratio cut 1:1 → 4:3 (25% devaluation), and the 10% anniversary points bonus discontinued. New applicants 2026-06-15; existing cardholders 2026-10-01.
Refresh enhancements: annual Chase Travel hotel credit raised $50 → $100, added Apple TV+ and Global Entry/TSA PreCheck credits, new 3x earn on gas & EV charging and vacation rentals, added emergency evacuation coverage — same $95 fee.
Live figures above reflect what's true today; announced changes are flagged, not pre-applied. See all recent changes
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Chase Sapphire Preferred® Card has a $95 annual fee.
Using its non-spend-gated credits fully, the Chase Sapphire Preferred® Card returns about $229 in value against its $95 annual fee — a net of +$134 per year. It can pay for itself if you actually use the credits.
The Chase Sapphire Preferred® Card earns 5x on travel via chase travel, 3x on dining (incl. delivery & takeout), 3x on online groceries & select streaming.
No — the Chase Sapphire Preferred® Card does not include airport lounge access.
No — the Chase Sapphire Preferred® Card has no foreign transaction fee, so it's a good card to use abroad.
75,000 bonus points after $5,000 spend in 3 months. Welcome offers change frequently — confirm the current one on the issuer's page before applying.
Yes. Most recent change (announced 2026-06-09): World of Hyatt transfer ratio cut 1:1 → 4:3 (25% devaluation), and the 10% anniversary points bonus discontinued. New applicants 2026-06-15; existing cardholders 2026-10-01.