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Chase Sapphire Preferred®: Travel and Rewards
Earn up to 5X points, access travel credits and protections, and pay no foreign transaction fees.
Up to 5X Points on Travel
Earn 5X points on purchases through Chase Travel℠ and 2X points on other eligible travel purchases.
3X Points on Everyday Categories
Earn 3X points on dining, gas stations, EV charging, select streaming services, eligible online grocery purchases and vacation homes at participating brands.
Travel Credits and Protections
Get up to $100 in Chase Travel hotel credits each account anniversary year, plus protections for eligible trips and purchases.
No Foreign Transaction Fees
Chase does not charge foreign transaction fees when you use the Sapphire Preferred® for purchases outside the United States.
Why the Chase Sapphire Preferred® Credit Card Stands Out
The Chase Sapphire Preferred® Credit Card combines travel rewards with bonus categories for everyday spending. Cardmembers earn 5X points on purchases through Chase Travel℠, 3X on dining, gas stations, EV charging, select streaming services, eligible online grocery purchases and vacation homes at participating brands. Other eligible travel purchases earn 2X points, while other purchases earn 1X point per dollar. Category requirements and exclusions apply.
The card currently has a $95 annual fee and no foreign transaction fees. Cardmembers can also receive up to $100 in statement credits each account anniversary year for eligible hotel stays purchased through Chase Travel℠. Another benefit provides up to $120 every four years as reimbursement for an eligible Global Entry, TSA PreCheck® or NEXUS application fee charged to the card.
Travel protections are another part of the card's benefits. Trip Cancellation and Interruption Insurance can reimburse eligible prepaid, non-refundable travel expenses for covered situations, subject to coverage limits and terms. Baggage Delay Insurance can also reimburse eligible essential purchases when baggage is delayed for more than six hours. Additional travel and purchase protections are available under the applicable benefit terms.
New cardmembers can currently earn 75,000 bonus points after spending $5,000 on purchases within the first three months from account opening. Offer eligibility requirements apply, and Chase states that offers can vary depending on where the applicant applies.
What rewards does the Chase Sapphire Preferred® earn?
Cardmembers earn 5X points on Chase Travel℠ purchases; 3X on dining, gas stations, EV charging, select streaming services, eligible online grocery purchases and qualifying vacation homes at participating brands; 2X on other eligible travel purchases; and 1X on other purchases.
Does the Chase Sapphire Preferred® Credit Card charge foreign transaction fees?
No. Chase does not charge foreign transaction fees for purchases made outside the United States with the Sapphire Preferred® Card.
Can points be transferred to airline and hotel partners?
Yes. Ultimate Rewards® points can be transferred to participating airline and hotel loyalty programs. Most current travel partners use a 1:1 transfer ratio, but not all do. World of Hyatt®, for example, currently uses a 4:3 ratio for new Sapphire Preferred cardmembers who applied on or after June 15, 2026. Transfer ratios and participating partners should be checked before transferring points.
Is there an annual fee for the card?
Yes. The Chase Sapphire Preferred® Credit Card currently has a $95 annual fee. Whether the rewards and benefits offset this cost depends on how the cardholder uses the account.
What can Ultimate Rewards® points be used for?
Points can be redeemed through available Ultimate Rewards® options, including travel through Chase Travel℠, cash back and gift cards, or transferred to participating travel partners. Redemption values vary. Chase also offers Points Boost on select eligible flights and hotels through Chase Travel℠, which can provide additional value on qualifying redemptions.
How to Apply for the Chase Sapphire Preferred® Credit Card
Applications can be submitted through the official Chase Sapphire Preferred® page. Before applying, review the card's current annual fee, APR, rewards categories, welcome offer and eligibility requirements. Chase currently lists a $95 annual fee and a variable purchase APR of 19.24%–27.49%, depending on creditworthiness and other applicable factors.
The current new cardmember offer provides 75,000 bonus points after spending $5,000 on purchases within the first three months from account opening. Chase notes that the card is unavailable to applicants who currently have the Sapphire Preferred® open. Bonus eligibility may also be affected if the applicant previously held the card or previously received a new cardmember bonus for it, and Chase may consider the number of cards opened and closed.
Applicants provide the personal and financial information requested by Chase and submit the application for evaluation. Approval, credit limit and APR are not guaranteed and depend on Chase's review. Chase does not publish a specific minimum credit score that guarantees approval, so applicants should not rely on unofficial score estimates as an eligibility requirement.
If approved and eligible for Chase's Spend Instantly feature, a new cardmember may be able to add the card to a compatible digital wallet and begin using it before the physical card arrives. Availability is subject to Chase's applicable conditions. Before submitting an application, review the current pricing, rewards and offer terms displayed by Chase because promotional offers and card conditions can change.
