View OfferSecure site · Updated July 2026
- Intro bonus
- 60,000 points
- Rewards rate
- 1x–5x points
- Annual fee
- $95
- Regular APR
- 20.24%–27.24%
Why it stands out
Chase Sapphire Preferred highlights
- 60,000-point sign-up bonus after $4,000 spend in 3 months
- 5x on travel booked through Chase Travel, 3x on dining
- Points worth 25% more when redeemed for travel
- 1:1 transfers to United, Hyatt, Southwest, and more
The verdict at a glance
Pros and cons
Pros
- Transfer partners regularly beat 2 cents per point in value
- Primary rental car coverage and trip cancellation protection
- No foreign transaction fees anywhere abroad
Cons
- The $95 annual fee hits from year one
- Needs good-to-excellent credit for approval
Our full review
Our take on Chase Sapphire Preferred
A modest $95 fee buys some of the most flexible points in travel, and the transfer partners are where the real value hides. Points move to airlines and hotels at 1:1, and redeeming through Chase Travel adds a 25% boost.
Advertiser disclosure: Finmatchly may earn a commission when you visit a partner. This never affects our editorial rankings. Learn more
Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on Chase Sapphire Preferred’s own site before you apply.
The alternatives
How Chase Sapphire Preferred compares
Other top-rated cards in Credit Cards. Compare the numbers side by side before you decide.
| # | Provider | Rating | Intro bonus | Best for | |
|---|---|---|---|---|---|
| 1 | Capital One Venture Rewards | 75,000 miles | Flat-rate earners who hate juggling categories | View Offer | |
| 2 | Discover it Cash Back | Cashback Match year 1 | Category chasers who want zero fees | View Offer | |
| 3 | Wells Fargo Active Cash | $200 cash | People who want 2% on every purchase | View Offer | |
| 4 | Citi Double Cash | $200 after $1,500 spend | Disciplined payers chasing steady cash back | View Offer |
- Capital One Venture Rewards4.7Best for Flat-rate earners who hate juggling categories
- Discover it Cash Back4.6Best for Category chasers who want zero fees
- Wells Fargo Active Cash4.4Best for People who want 2% on every purchase
- Citi Double Cash4.3Best for Disciplined payers chasing steady cash back