Credit Card Review🔥 Best Overall

Chase Sapphire Preferred®

Issued by Chase

5x Chase Travel, 3x dining, gas/EV charging, online grocery, streaming & vacation rentals, 2x other travel — plus 60,000 points after $4,000 spend in 3 months (~$750 in travel).

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At a Glance

Annual Fee

$95

Purchase APR

21.49%–28.49%

Rewards Rate

5x Chase Travel, 3x dining, gas/EV charging, online grocery, streaming & vacation rentals, 2x other travel

Min. Credit Score

700+ (est.)

Sign-Up Bonus

60,000 points after $4,000 spend in 3 months (~$750 in travel)

Rates & Fees

Annual Fee

$95

Purchase APR

21.49%–28.49% variable

Foreign Transaction Fee

None

Balance Transfer Fee

5% of the amount transferred, $5 minimum

Cash Advance Fee

5% or $10 minimum, whichever is greater

Late Payment Fee

Up to $41

Detailed comparisons

Sapphire Preferred vs. Amex Gold

Compare the current fees, credits, and earning categories.

Best Travel Cards of 2026

Compare no-fee, $95, and premium travel cards.

Estimate Your Rewards

See how this card fits your monthly spending

Enter your typical monthly spend by category to see roughly what the Chase Sapphire Preferred® would earn you per year (this doesn't include any one-time sign-up bonus).

Dining & restaurants

$/mo

$0/mo$1,500/mo

Groceries

$/mo

$0/mo$1,500/mo

Gas

$/mo

$0/mo$1,500/mo

Travel & transit

$/mo

$0/mo$1,500/mo

Streaming & subscriptions

$/mo

$0/mo$1,500/mo

Everything else

$/mo

$0/mo$3,000/mo

Note: The 5x rate applies to eligible Chase Travel purchases; gas/EV charging and vacation-rental categories were added in June 2026.

Est. Annual Rewards

$492/yr

After $95 Annual Fee

$397/yr

Based On

$1,950/mo

Key Features

$100 annual Chase Travel hotel credit

Up to $120 Global Entry/TSA PreCheck/NEXUS credit every four years

Expanded travel protections including emergency evacuation coverage

Pros & Cons

Pros

Broader 3x everyday categories added in 2026
Points transfer to airline and hotel partners
Low $95 annual fee for the value

Tradeoffs

No airport lounge access
Foreign transaction fee waived, but no lounge

How to Apply

Check whether your credit profile is a reasonable fit — Chase generally looks for applicants around 700+ FICO for the Chase Sapphire Preferred®, alongside income and existing debt.

Gather your Social Security number, annual income, housing payment, and employer details before starting the application.

Apply directly through Chase's official site or app to make sure you're getting current, accurate offer terms.

Most issuers give an instant decision online; some applications are sent to manual review, which can take 7–10 business days.

If approved, activate the card and set up autopay before your first statement is due to avoid a late payment.

How It Compares

Current product highlighted

Product	Annual Fee	Purchase APR	Rewards Rate
Chase Sapphire Preferred®	$95	21.49%–28.49%	5x Chase Travel, 3x dining, gas/EV charging, online grocery, streaming & vacation rentals, 2x other travel
Chase Sapphire Reserve®	$795	19.49%–29.99%	3x travel & dining worldwide
Capital One Venture X	$395	19.49%–28.49%	10x hotels & rental cars, 5x flights via Capital One Travel, 2x everything else
Citi Strata Premier® Card	$95	20.24%–28.24%	10x hotels, car rentals & attractions via CitiTravel; 3x restaurants, supermarkets, gas & air travel

Frequently Asked Questions

What credit score do I need for the Chase Sapphire Preferred®?

Chase generally looks for applicants with a credit score around 700+ for the Chase Sapphire Preferred®, though approval also depends on your income, existing debt, and overall credit profile — not credit score alone.

What's the annual fee on the Chase Sapphire Preferred®?

The Chase Sapphire Preferred® carries a $95 annual fee. Whether that's worth it depends on how much value you get from its rewards rate and included perks each year.

Does the Chase Sapphire Preferred® have a sign-up bonus?

Yes — new cardholders can currently earn 60,000 points after $4,000 spend in 3 months (~$750 in travel). Bonus terms and required spend change over time, so confirm the current offer on Chase's site before applying.

What fees should I watch for on the Chase Sapphire Preferred®?

Beyond the annual fee, check the foreign transaction fee (None), balance transfer fee (5% of the amount transferred, $5 minimum), cash advance fee (5% or $10 minimum, whichever is greater), and late payment fee (Up to $41). These matter most if you carry a balance, transfer debt, or use the card internationally.

How does the Chase Sapphire Preferred® compare to similar cards?

The Chase Sapphire Preferred® is one of several travel cards worth comparing side by side — see the "How It Compares" table on this page for a few close alternatives, or browse the full list of travel cards for more options.

Other Credit Cards

Chase Sapphire Reserve®

3x travel & dining worldwide

Capital One Venture X

10x hotels & rental cars, 5x flights via Capital One Travel, 2x everything else

Citi Strata Premier® Card

10x hotels, car rentals & attractions via CitiTravel; 3x restaurants, supermarkets, gas & air travel

Rates, fees, and rewards shown are illustrative as of 2026 and subject to change — always confirm current terms directly with the issuer before applying.

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