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Chase Sapphire Preferred® Card

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Card review

Chase Sapphire Preferred® Card

4.5 9.0/10 DebitCue Score Verified Jun 20, 2026

Best-in-class mid-tier travel rewards card at a $95 annual fee

Fee: $95 USD/yr
Purchase APR: 19.24% - 29.99%
Interest-free: -
Foreign fee: None

Rewards

5x Chase Travel, 3x dining/streaming/online grocery/gas/vacation rentals, 2x other travel, 1x all else; 1:1 transfers

Welcome offer

75,000 points after $5,000 spend in first 3 months

Our verdict

What stands out, and where it falls short.

What we like

5x Chase Travel, 3x dining/streaming/online grocery/gas/vacation rentals, 2x other…
Welcome bonus
No foreign transaction fees
Travel insurance included

Worth weighing

$95 USD/yr card fee
High interest if you carry a balance

Who It Is For

Whether the Chase Sapphire Preferred® Card fits how you actually spend.

Pick it if you are

Frequent travelers
People who want rewards on their spending

Skip it if you are

Light spenders who won't beat the $95 USD/yr fee

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: $95 USD/yr
Purchase APR: 19.24% - 29.99%
Interest-free period: -
Foreign transaction fee: None

Rewards and features

Rewards: 5x Chase Travel, 3x dining/streaming/online grocery/gas/vacation rentals, 2x other travel, 1x all else; 1:1 transfers
Welcome offer: 75,000 points after $5,000 spend in first 3 months
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
10% anniversary bonus: Eliminated for applications on/after June 15, 2026
Hyatt transfer rate: 4:3 (not 1:1) for applications on/after June 15, 2026
Apple TV+: 1-year complimentary subscription (activate by Dec 31, 2026)

Benefits and perks

Extras that come bundled with the card.

Trip cancellation/interruption up to $10,000 per traveler
Primary auto rental collision damage waiver up to $60,000
Purchase protection 120 days, up to $500/item
Up to $120 Global Entry/TSA PreCheck/NEXUS credit every 4 years
$100 annual Chase Travel hotel credit
Emergency evacuation and transportation up to $100,000

Eligibility

What you need before you apply.

Sapphire rule: Only one Sapphire card welcome bonus per 48 months

Chase Sapphire Preferred® Card: your questions answered

How much does the Chase Sapphire Preferred® Card cost?

The Chase Sapphire Preferred® Card costs $95 USD/yr.

What rewards does the Chase Sapphire Preferred® Card earn?

The Chase Sapphire Preferred® Card earns 5x Chase Travel, 3x dining/streaming/online grocery/gas/vacation rentals, 2x other travel, 1x all else; 1:1 transfers.

Does the Chase Sapphire Preferred® Card charge foreign transaction fees?

No - the Chase Sapphire Preferred® Card has no foreign transaction fees, so it suits spending abroad.

What is the interest rate on the Chase Sapphire Preferred® Card?

The Chase Sapphire Preferred® Card has a purchase APR of 19.24% - 29.99%.

Does the Chase Sapphire Preferred® Card have a welcome offer?

Yes - 75,000 points after $5,000 spend in first 3 months.

Is the Chase Sapphire Preferred® Card a credit, debit or prepaid card?

The Chase Sapphire Preferred® Card is a credit card issued by Chase on the Visa network.

Does the Chase Sapphire Preferred® Card support Apple Pay and Google Pay?

Yes - the Chase Sapphire Preferred® Card works with both Apple Pay and Google Pay.

Where can I get the Chase Sapphire Preferred® Card?

The Chase Sapphire Preferred® Card is currently offered in United States.

How does DebitCue rate the Chase Sapphire Preferred® Card?

DebitCue rates the Chase Sapphire Preferred® Card 4.5 out of 5 (9.0/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Chase Sapphire Preferred® Card?

Use the Apply now button to continue on Chase's secure site. Comparing and applying through DebitCue is free.