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Chase · credit
Last updated
Typically needs good credit (guideline, not a guarantee)
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 ↓
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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 source |
|---|---|
| Global Entry / TSA PreCheck / NEXUS | $30/yr · annual Inferred by source |
| Apple TV+ (1 year) | $99/yr · one-time · ends 2026-12-31 Inferred by sourceenroll |
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 |
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). New applicants 2026-06-15; existing cardholders 2026-10-01.