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Earn 75,000 bonus Ultimate Rewards points after spending $5,000 on purchases in the first 3 months from account opening (current public offer)

$95 annual fee

5x total points on travel purchased through Chase Travel (excluding hotel purchases that qualify for the $50 annual Chase Travel hotel credit)

3x points on dining, including eligible delivery services, takeout, and dining out

3x points on online grocery store purchases, excluding Target, Walmart, and wholesale clubs

3x points on select streaming services

2x points on all other travel purchases worldwide

1x points on everything else

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)

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)

$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)

10% anniversary points bonus: each account anniversary year earn bonus points equal to 10% of the total spend in points from purchases the prior anniversary year, at 1 point per $1 spent (Chase has confirmed this benefit sunsets on the account anniversary on or after 10/1/2026; see Chase product page disclosures)

Complimentary DoorDash DashPass membership for at least 12 months (covers DoorDash and Caviar) when activated by 12/31/2027 with the Sapphire Preferred card

$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)

1:1 point transfer to 13 leading airline and hotel programs: 10 airlines (Aer Lingus AerClub, a transfer partner, Air France-KLM Flying Blue, British Airways Executive Club, Iberia Plus, JetBlue TrueBlue, Singapore Airlines KrisFlyer, Southwest Rapid Rewards, United MileagePlus, Virgin Atlantic Flying Club) and 3 hotels (IHG One Rewards, Marriott Bonvoy, World of Hyatt); list verified against One Mile at a Time Sapphire Preferred review

Redeem 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)

Points 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 transaction fees on purchases made outside the United States

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

Cell phone protection: Not offered on Chase Sapphire Preferred (Chase does not list cell phone protection on the Sapphire Preferred product page or in the card's Guide to Benefits, unlike issuers such as Wells Fargo, Chase Ink Business cards, and Capital One Venture X)

Concierge: Not offered as a complimentary Visa Infinite concierge on this card (the Sapphire Preferred is a Visa Signature card; Chase's marketing page does not advertise concierge service on this product, in contrast to the Sapphire Reserve which carries Visa Infinite Concierge)

Lounge access: Not offered (no Priority Pass, Sapphire Lounge, or other airport lounge access is included with Sapphire Preferred; this is a key differentiator vs Sapphire Reserve)

Elite status: Not offered (no complimentary hotel or airline elite status is included with Sapphire Preferred)

Subscription credits beyond DashPass: Not offered (no Lyft monthly statement credit, no Peloton membership credit, no Apple TV+/Apple Music subscription, no StubHub credit; these perks are reserved for Sapphire Reserve)

Application fee credit for Global Entry / TSA PreCheck / NEXUS: Not offered on Sapphire Preferred (this credit is on Sapphire Reserve, not Preferred)

Annual spending milestone bonus: Not offered (Sapphire Preferred does not have a high-spend statement credit milestone; the $250 / $75,000 milestone applies to the new Sapphire Reserve, not Preferred)

Chase 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 users at no additional annual fee

Visa 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)

Welcome offer up to 100,000 Membership Rewards points after $8,000 in eligible purchases in the first 6 months of Card Membership (current public offer; Amex notes welcome offers vary and not every applicant is eligible)

$325 annual fee for the basic Card; first 5 Additional Cards have a $0 annual fee, the sixth and beyond are $35 each

4X Membership Rewards points per dollar at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X after the cap (per the Amex Gold issuer product page)

4X Membership Rewards points per dollar at U.S. supermarkets, on up to $25,000 in purchases per calendar year, then 1X after the cap (per the Amex Gold issuer product page)

5X Membership Rewards points per dollar on prepaid hotels booked through AmexTravel.com or the Amex Travel App (no calendar-year cap disclosed by Amex)

3X Membership Rewards points per dollar on flights booked through AmexTravel.com or the Amex Travel App, AND on flights booked directly with airlines (no calendar-year cap disclosed by Amex)

2X Membership Rewards points per dollar on prepaid car rentals through AmexTravel.com or the Amex Travel App, and on cruises booked and paid through AmexTravel.com

1X Membership Rewards points per dollar on all other eligible purchases

$120 annual Dining Credit, delivered as up to $10 in monthly statement credits when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder; monthly credit does not roll over; enrollment required (per the Amex Gold product page; partner list updated by Amex from the prior Goldbelly/Wine.com/Milk Bar list)

$120 annual Uber Cash, delivered as $10 in Uber Cash each month (added to your Uber account, not a statement credit) once you add the Gold Card to your Uber account; usable on Uber rides and Uber Eats in the U.S. when an Amex Card is the payment method on the transaction; expires monthly

$100 annual Resy Credit, delivered as up to $50 in statement credits January through June and up to $50 in statement credits July through December at over 10,000 qualifying U.S. Resy restaurants; enrollment required (per the Amex Gold issuer product page)

$84 annual Dunkin' Credit, delivered as up to $7 in monthly statement credits at U.S. Dunkin' locations; enrollment required (per the Amex Gold issuer product page)

The Hotel Collection benefit: up to a $100 property credit toward eligible on-property charges at over 1,300 upscale hotels worldwide every time you book The Hotel Collection through AmexTravel.com or the Amex Travel App, with a required two-night minimum stay (per the Amex Gold issuer product page; Fine Hotels + Resorts is NOT included on Gold and remains a Platinum-only benefit)

Complimentary Hertz Five Star elite status (skip the counter at select locations, free additional driver, vehicle upgrades when available), and 2X points on prepaid car rentals through AmexTravel.com or the Amex Travel App; benefit enrollment and Hertz Gold Plus Rewards registration required (per the Amex Gold issuer product page)

No foreign transaction fees on purchases made outside the United States (per the Amex Gold issuer product page)

No Preset Spending Limit (NPSL) plus Pay Over Time / Plan It: spending power flexes with purchase, payment, credit history, and financial resources rather than a fixed credit limit; eligible cardholders can also split qualifying $100+ purchases into monthly installments with a fixed fee via Plan It instead of revolving interest (see Pay Over Time APR in the issuer pricing terms)

Trip Delay Insurance: if a round-trip is paid for entirely with the Gold Card and a covered reason delays your trip more than 12 hours, reimburses certain additional expenses up to $300 per trip, maximum 2 claims per eligible card per 12-month period (per the Amex Gold issuer product page)

Baggage Insurance Plan: when you pay the entire fare for a common carrier ticket (plane, train, ship, or bus) on the Gold Card, coverage up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of any coverage from the common carrier; New York State residents have a $10,000 aggregate maximum limit per covered trip (per the Amex Gold issuer product page)

Car Rental Loss and Damage Insurance: when you reserve and pay for the entire rental with the Gold Card and decline the rental company's CDW, secondary coverage for damage or theft of a rental vehicle in covered territories (not available for vehicles rented in Australia, Italy, or New Zealand; does not include liability coverage; per the Amex Gold issuer product page)

Global Assist Hotline: 24/7 emergency assistance and coordination services when traveling more than 100 miles from home, including medical and legal referrals, emergency cash wires, and missing luggage assistance; cardholder is responsible for the actual costs charged by third-party service providers (per the Amex Gold issuer product page)

Purchase Protection: covers eligible purchases for up to 90 days from the purchase date when accidentally damaged, stolen, or lost; up to $10,000 per covered purchase, up to $50,000 per calendar year (per the Amex Gold issuer product page)

Extended Warranty: adds up to one extra year to the original manufacturer's U.S. warranty on warranties of 5 years or less; coverage up to the amount charged to the card for the item, maximum $10,000 per item and not to exceed $50,000 per card account per calendar year (per the Amex Gold issuer product page)

Return Protection: Not offered on the American Express Gold Card (Amex retired the Return Protection benefit on consumer cards effective January 2020 and it is not listed in the current Gold Card Shopping Benefits on the issuer product page)

Cell Phone Protection: Not offered on the American Express Gold Card (the Amex Gold Shopping Benefits section lists only Purchase Protection and Extended Warranty; cell phone protection on Amex is limited to certain other products and is not part of Gold's Guide to Benefits, a frequently cited gap in TPG, NerdWallet, and OMAAT reviews of this card)

Airport lounge access: Not offered (no Priority Pass, no Centurion Lounge, no Delta Sky Club access on the Gold Card; lounge access is reserved for the Platinum, Business Platinum, Delta Reserve, and Centurion tiers)

Global Entry / TSA PreCheck application fee credit: Not offered on Gold (this credit is on the Amex Platinum, not the Gold Card)

Hotel or airline elite status (other than Hertz Five Star): Not offered (no Marriott or Hilton Gold, no Delta or other airline status comes with the Gold Card; Hertz Five Star is the only complimentary status on this product)

Annual spending milestone credit or anniversary points bonus: Not offered (Gold does not have a high-spend statement credit milestone or anniversary points kicker, in contrast to several competing premium cards)

Transfer points to 20 airline and hotel travel partners through the Membership Rewards program (per the Amex Gold issuer product page; major partners include Delta SkyMiles, a transfer partner, British Airways Executive Club, Virgin Atlantic Flying Club, Air France-KLM Flying Blue, Singapore KrisFlyer, Cathay Pacific Asia Miles, Emirates Skywards, Etihad Guest, JetBlue TrueBlue, Iberia Plus, Avianca LifeMiles, Aer Lingus AerClub, ANA Mileage Club, Hilton Honors, Marriott Bonvoy, and Choice Privileges, with transfer ratios that vary by partner)

Pay With Points on AmexTravel.com or the Amex Travel App for flights and prepaid hotels (1 cent per point baseline for flights; lower for other Pay With Points redemptions, which is why transferring to partners is generally the higher-value redemption path per OMAAT and Upgraded Points reviews)

Send & Split inside the American Express App: split Amex purchases with Venmo or PayPal users with payouts back to your Card as a statement credit, with no standard Venmo or PayPal credit card fee; add Additional Cards for anyone age 13 or older that earn Membership Rewards points at the same rates as the primary

Amex Offers: targeted statement credit and bonus point offers loaded to the card from merchants like Hilton, Sonos, Saks, Best Buy, and many others; offers are personalized and rotate frequently (no flat dollar value is guaranteed; cited as a meaningful incremental benefit in OMAAT and Upgraded Points reviews)

American Express App: card management, real-time alerts, Amex Offers enrollment, lounge finder, payment, and benefits enrollment; required surface for activating most Gold Card credits (Uber, dining, Resy, Dunkin', Hertz Five Star)

Cardmember access to the Amex pre-sale and reserved ticket programs (Card Member Presale tickets and Reserved by American Express for select concerts, sporting events, and theater); availability varies by event and is run through ticketmaster.com and Amex's events page

Network: American Express closed-loop network (not Visa or Mastercard); merchant acceptance is excellent in the U.S. but noticeably weaker than Visa/Mastercard outside the U.S., especially in Europe, Asia, and Latin America (called out as a real-world caveat in OMAAT and Upgraded Points Gold reviews)

75,000-mile welcome bonus after $4,000 in purchases within 3 months (worth ~$1,388 at 1.85¢/mile transfer-partner valuations, ~$750 toward Capital One Travel).

10X miles on hotels and rental cars booked through Capital One Travel.

5X miles on flights booked through Capital One Travel.

2X miles on every other purchase, every day, with no category caps and miles that never expire.

$300 annual statement credit for bookings made through the Capital One Travel portal (flights, hotels, and rental cars).

10,000-mile anniversary bonus every year starting on your first account anniversary (worth ~$100 toward travel, ~$185 via transfer partners).

Complimentary Priority Pass Select membership with unlimited visits to 1,300+ participating lounges worldwide (enrollment required).

Priority Pass guest policy: primary cardholder may bring up to 2 guests at no charge per visit (additional guests subject to standard Priority Pass fees).

Unlimited complimentary access to Capital One Lounges for the primary cardholder, plus up to 2 free guests per visit.

Access to Capital One Landing locations (smaller airport relaxation spaces) for primary cardholders.

Complimentary access to 100+ Plaza Premium lounges for the primary cardholder plus up to 2 free guests per visit.

Up to 4 authorized users at no additional cost, and each authorized user receives their own Priority Pass Select membership.

Hertz President's Circle elite status (top published tier) through complimentary enrollment, offering guaranteed upgrades, expedited service, and a wider vehicle selection.

Up to $120 statement credit for Global Entry ($100) or TSA PreCheck (~$78-85) application fees, refreshed every 4 years.

Capital One miles transfer 1:1 to 15+ airline and hotel loyalty partners, including a transfer partner, Air France/KLM Flying Blue, British Airways Avios, Singapore KrisFlyer, Turkish Miles&Smiles, Virgin Red, Choice Privileges, and Wyndham Rewards.

Premier Collection hotel benefits when booking via Capital One Travel: daily breakfast for two, $100 experience credit, Wi-Fi, and (when available) room upgrades plus early check-in / late checkout.

Lifestyle Collection hotel benefits via Capital One Travel: $50 experience credit, Wi-Fi, and (when available) room upgrades plus early check-in / late checkout.

Price Match Guarantee on Capital One Travel: if you find a lower price within 24 hours of booking, Capital One refunds the difference.

Price Drop Protection on flights booked through Capital One Travel: when the system recommends booking and the price drops within 10 days, you receive up to $50 travel credit for the difference.

Cell phone protection up to $800 per claim ($50 deductible, two claims per 12-month period) when you pay your monthly wireless bill with the card (Visa Infinite benefit).

Primary auto rental Collision Damage Waiver (CDW) for eligible rentals worldwide when you charge the full rental to the card and decline the rental agency's collision coverage.

Trip cancellation and interruption insurance: up to $2,000 per person for non-refundable trip costs when the trip is canceled or cut short due to a covered reason.

Trip delay reimbursement: up to $500 per ticket for reasonable expenses when a covered common carrier delay exceeds 6 hours or requires an overnight stay.

Lost luggage reimbursement for checked or carry-on bags that are lost or damaged by a common carrier (Visa Infinite benefit).

Travel accident insurance and 24/7 Visa Infinite Concierge service for travel planning, dining reservations, and event access.

Purchase security (theft / damage protection) on new eligible purchases for 90 days from the date of purchase.

Extended warranty protection that adds up to one additional year to U.S. manufacturer warranties of three years or less.

Return protection on eligible items the merchant won't take back within 90 days (Visa Infinite benefit, subject to limits).

Zero foreign transaction fees on all purchases made outside the U.S.

Visa Infinite card benefits including roadside dispatch, exclusive Visa Infinite Hotel Collection perks, and access to Capital One Premier Collection dining and entertainment experiences.

Not offered: airline elite status, free checked bags on any airline, or in-flight purchase credits (this is a non-airline-branded travel card).

Not offered: hotel elite status with Marriott, Hilton, Hyatt, or IHG (Capital One's hotel benefits are limited to its own Premier and Lifestyle Collections via Capital One Travel).

Not offered: monthly streaming, ride-share, or grocery statement credits (rewards structure is bonus-mile-based, not coupon-credit-based).