Chase Sapphire Preferred® Card
on Chase's website
Chase Sapphire Preferred® Card
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.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
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: 20.24%-27.24% Variable APR
Cash Advance APR: 29.24%, 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
| Learn more | Learn more | |
Annual fee$95 | Annual fee$99 | Annual fee$199 |
Regular APR20.24%-27.24% Variable APR | Regular APRSee Terms | |
Intro APRN/A | Intro APR0% intro APR for 15 billing cycles on balance transfers made within 45 days of account opening. | Intro APRN/A |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
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.
