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Chase · Credit cards

Chase Sapphire Preferred Card

The benchmark travel rewards card with 5X points on travel through Chase, 3X dining, and 1:1 point transfers.

Annual fee

$95/yr

10 attributes tracked

Catalog as of September 1, 2026

Not financial advice. Annual fees, APRs, bonuses and credits change. Confirm current terms with the issuer before you apply.

Annual fee

$95

Rewards rate

5X travel via Chase, 3X dining/online grocery/select streaming, 2X other travel, 1X other

What it does well

  • Points are worth 25% more when redeemed for travel through Chase Travel
  • 1:1 point transfers to Hyatt, United, Southwest, and British Airways
  • Primary rental car collision damage waiver insurance

Where it gives ground

  • No airport lounge access
  • $95 annual fee is not waived the first year

Compare it head to head

The fastest way to decide is against the product you are actually cross shopping. Showing 4 of 15 published matchups.

Credit cards8 differing specs

American Express Gold Card

$325/yr

Chase Sapphire Preferred Card

$95/yr

Chase leads on 2 of 3 rankable specs and charges less a year.

See the breakdown
Credit cards8 differing specs

The Platinum Card from American Express

$695/yr

Chase Sapphire Preferred Card

$95/yr

American Express leads on 2 of 3 rankable specs, but Chase saves $600 a year.

See the breakdown
Credit cards8 differing specs

Capital One Venture X Rewards

$395/yr

Chase Sapphire Preferred Card

$95/yr

Capital One leads on 3 of 4 rankable specs, but Chase saves $300 a year.

See the breakdown
Credit cards7 differing specs

Chase Freedom Unlimited

$0/yr

Chase Sapphire Preferred Card

$95/yr

Chase Freedom Unlimited leads on 2 of 3 rankable specs and charges less a year.

See the breakdown

Full specifications

Fees & Rates

Annual fee
$95
Regular APR
21.49% – 28.49% Variable APR
Foreign transaction fee
None (0%)
Late fee
Up to $40

Rewards & Perks

Rewards rate
5X travel via Chase, 3X dining/online grocery/select streaming, 2X other travel, 1X other
Sign-up bonus
60,000 Ultimate Rewards points after $4,000 spend in first 3 months ($750 travel value)
Intro APR offer
None (Variable APR applies from account opening)
Lounge access
No

Card Details

Credit neededOur summary
Good to Excellent (690–850)
Network
Visa Signature
Card figures are from issuer materials and go stale. Credit-needed bands are our summary.Official Chase Sapphire Preferred Card terms (opens in a new tab)

Credit-card figures are from issuer materials and go stale. This is not an offer to lend, not financial advice, and not a recommendation to apply. Verify every fee, APR, bonus and credit on the issuer's site.

Other credit cards we track

Capital One

Capital One Venture Rewards Credit Card

$95/yr

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American Express

Blue Cash Preferred Card from American Express

$95/yr

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Citi

Citi Strata Premier Card

$95/yr

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Citi

Citi Double Cash Card

$0/yr

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Chase

Chase Freedom Unlimited

$0/yr

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Capital One

Capital One SavorOne Cash Rewards

$0/yr

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Frequently asked

How much does Chase Sapphire Preferred Card cost?

Chase Sapphire Preferred Card has an annual fee of $95/yr (catalog snapshot as of 2026-09-01). This is based on published issuer terms and is not a live financial offer.

What are Chase Sapphire Preferred Card’s key specs?

Key specifications for Chase Sapphire Preferred Card include annual fee ($95) and rewards rate (5X travel via Chase, 3X dining/online grocery/select streaming, 2X other travel, 1X other).

What does Chase Sapphire Preferred Card compare against?

Chase Sapphire Preferred Card is compared head to head against American Express Gold Card vs Chase Sapphire Preferred Card, The Platinum Card from American Express vs Chase Sapphire Preferred Card, Capital One Venture X Rewards vs Chase Sapphire Preferred Card, Chase Freedom Unlimited vs Chase Sapphire Preferred Card, Chase Sapphire Preferred Card vs Blue Cash Everyday Card from American Express, and Chase Sapphire Preferred Card vs Blue Cash Preferred Card from American Express.