Chase Sapphire Preferred
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferEarn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Benefits and fees last verified Jun 2026against the issuer's published terms.
75,000 Ultimate Rewards points once $5,000 of spend posts within your first 3 months. $95 annual fee.
- Annual fee
- $95
Welcome offers change often and can differ by application channel. Verify the current offer with the issuer before you apply.
The best starter travel card, period. Transferable points, solid bonus categories, and a low annual fee make this the card we recommend to almost everyone getting into the points game. Note: the 10% anniversary points bonus sunsets October 1, 2026.
Earning Rates
At a glance
- 5x on travel booked via Chase
- 3x on dining & streaming
- $100 annual hotel credit
- Transfer to 13 partners (Hyatt 1:1)
Earning rates
8- 5xlodging
5x total points on travel purchased through Chase Travel (excluding hotel purchases that qualify for the $50 annual Chase Travel hotel credit)
- 3xdining
3x points on dining, including eligible delivery services, takeout, and dining out
- 3xgroceries
3x points on online grocery store purchases, excluding Target, Walmart, and wholesale clubs
- 3xstreaming
3x points on select streaming services
- 2xtravel
2x points on all other travel purchases worldwide
- 1xeverything else
1x points on everything else
- 5xtravel
5x points on qualifying Lyft rides and Lyft products/services through 9/30/2027 (rideshare, bike and scooter rides, subscription and membership products; 3 extra points stacked on the 2x travel rate)
- 5xup to $5,000/yr
5x total points on eligible Peloton equipment and accessory purchases over $150, on up to $5,000 in purchases through 12/31/2027 (4 extra points on top of base 1x)
Statement credits
2- $100Hotel CreditYearly
Up to $100 in statement credits each account anniversary year for hotel stays booked through Chase Travel.
- $50$50 annual statement credit toward hotel stays purchased through Chase Travel, applied automatically until used (resets each account anniversary year, included in your first year)
Perks & memberships
8- MembershipComplimentary DoorDash DashPass membership for at least 12 months (covers DoorDash and Caviar) when activated by 12/31/2027 with the Sapphire Preferred card
- Membership$10 off discount each calendar month at checkout on one qualifying non-restaurant DoorDash order while enrolled in the Sapphire Preferred DashPass membership (subtotal only, no rollover, expires monthly)
- RedemptionRedeem Ultimate Rewards points for travel, cash, gift cards, Apple products, and Pay With Points at a baseline 1 cent per point through the Chase Travel portal (the legacy flat 25% / 1.25 cpp Sapphire Preferred travel redemption bonus has been retired)
- RedemptionPoints Boost on Chase Travel: Sapphire Preferred cardholders can get up to 1.5 cents per point on bookings with The Edit by Chase Travel, and 1.25 to 1.75 cents per point on select flight bookings based on airline and class of service (per One Mile at a Time Sapphire Preferred review, updated 2/5/2026)
- No foreign feesNo foreign transaction fees on purchases made outside the United States
- Payment flexibilityChase Pay Over Time: eligible cardmembers can break up purchases of $100 or more into fixed monthly payments with no interest and a fixed monthly fee
- Authorized usersAuthorized users at no additional annual fee
- Card networkVisa Signature card network: includes the standard Visa Signature suite of issuer-optional benefits (see the Sapphire Preferred Guide to Benefits for the specific terms Chase has elected to include)
Travel & purchase protections
10- Trip cancellation and interruption insurance: up to $10,000 per covered traveler and $20,000 per trip for pre-paid, non-refundable travel expenses including passenger fares, tours, and hotels, when canceled or cut short by a covered reason (sickness, severe weather, etc.)
- Trip delay reimbursement: up to $500 per covered traveler for unreimbursed expenses (meals and lodging) when common carrier travel is delayed more than 12 hours or requires an overnight stay
- Baggage delay insurance: reimburses up to $100 per day for up to 5 days for essential purchases like toiletries and clothing when checked baggage is delayed more than 6 hours
- Lost luggage reimbursement: up to $3,000 per covered traveler for lost or damaged checked or carry-on bags and personal property (per OMAAT Sapphire Preferred review documenting the card's Guide to Benefits)
- Auto rental collision damage waiver: primary coverage when you decline the rental company's CDW and charge the entire rental to the card, reimbursing up to $60,000 for theft and collision damage on most rental vehicles with an MSRP of $125,000 or less (primary in the US and abroad on this card; the standard Visa Signature default is secondary inside the cardholder's country of residence, but Chase explicitly upgrades CSP to primary)
- Roadside dispatch: pay-per-use roadside assistance with no membership required (provided by Visa Signature)
- Travel and emergency assistance services: legal and medical referrals and access to other travel and emergency assistance services (cardholder pays for actual goods and services obtained)
- Travel accident insurance: provided as a Visa Signature card benefit while you are a cardmember (coverage limits per the Sapphire Preferred Guide to Benefits)
- Purchase protection: covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per claim and up to $50,000 per account
- Extended warranty protection: extends the time period of the manufacturer's U.S. warranty by an additional year on eligible warranties of 3 years or less, up to 4 years from the date of purchase
Before you decide, weigh alternatives
Lower-fee cards in the same category. A cheaper card can be the better fit if you will not use enough perks to earn back a bigger fee.
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Transfer Partners
Full guide →Chase Ultimate Rewards points transfer to these loyalty programs. Or start from your balance and see what a points balance can book:
How to Earn the Bonus
Spend $5,000 in the first 3 months to earn the 75,000 points bonus.
See the Current Offer
Earn 75,000 points
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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