Name: Chase Sapphire Preferred® Card
Brand: Chase

2026 TPG Award Winner

Best Travel Rewards Credit Card of the Year

75,000 bonus points

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

at Chase's secure site.
Terms & restrictions apply. See rates & fees.

Rewards Rates
1 - 5X points
Annual Fee
$95
Regular APR
19.24% - 27.49% Variable
Recommended Credit
Excellent/Good

at Chase's secure site.
Terms & restrictions apply. See rates & fees.

At a glance

Rewards Rates

5x: Earn 5x on travel purchased through Chase Travel℠.
3x: Earn 3x on dining, vacation homes, gas & EV charging, top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs).
2x: Earn 2x on all other travel purchases.
1x: Earn 1x on all other purchases.

Intro Offer

75,000 bonus points

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

Ongoing Purchases APR

19.24% - 27.49% Variable

Ongoing Balance Transfer APR

19.24% - 27.49% Variable

Ongoing Cash Advance APR

28.49% Variable

Ongoing Penalty APR

Up to 29.99%

Annual Fee

$95

Recommended Credit

670-850Excellent/Good

More Details

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy beneﬁts such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases

Our Take

TPG Editor's Rating

4.5 / 5

Overview

The Chase Sapphire Preferred® Card remains one of the easiest travel rewards cards to recommend because it has elevated rewards across everyday spending categories, valuable travel protections, useful statement credits and an approachable annual fee. Whether you're new to points and miles or already maximizing transfer partners, it offers a rare combination of flexibility and long-term value for both beginners and experienced travelers alike. (Partner offer)

Read the full review

Pros

Earn elevated rewards in popular categories, including travel, dining, gas, EV charging and vacation home stays
Premium travel protection benefits include trip cancellation/interruption insurance, primary car rental insurance and lost luggage insurance
Versatile airline and hotel transfer partners
Features up to $100 in annual hotel credits through Chase Travel℠

Cons

Has an annual fee
No airport lounge access
Transfers to Hyatt at a lower rate than other Sapphire cards

Who is this card good for?

The Chase Sapphire Preferred is a strong choice for travelers who want to earn flexible rewards without committing to a premium annual fee. Beginners will appreciate the straightforward earning structure and easy redemption options, while experienced travelers can unlock outsized value through Chase's airline and hotel transfer partners. The card is especially appealing for travelers who frequently book Airbnb or Vrbo stays, take road trips and dine out regularly, since many of those purchases earn bonus rewards. Combined with strong travel protections and an accessible annual fee, it's easy to see why the Sapphire Preferred remains one of the most popular travel rewards cards on the market.

Earning rewards

The Chase Sapphire Preferred features strong earning rates across several everyday spending categories. Cardholders earn 5 points per dollar spent on travel booked through Chase Travel, 3 points per dollar spent on dining, gas, EV charging, vacation home stays, select streaming services and online grocery purchases (excluding Target, Walmart and wholesale clubs), 2 points per dollar spent on other travel purchases and 1 point per dollar spent on all other eligible purchases.