Chase Sapphire Preferred Card
A long-time favorite mid-tier travel card with valuable transferable points, strong travel protections and a generous welcome bonus.
Why it ranks
- Points transfer to airline & hotel partners
- Strong trip & purchase protection
- No foreign transaction fee
What holds it back
- Has an annual fee
- No airport lounge access
- Requires good credit
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A long-time favorite mid-tier travel card with valuable transferable points, strong travel protections and a generous welcome bonus.
Chase Sapphire Preferred Card at a glance
| Issuer | Chase |
| Card network | Visa |
| Annual fee | $95 |
| Welcome bonus | 60,000+ bonus points after meeting the minimum spend |
| Rewards rate | 5x travel (Chase Travel), 3x dining & streaming, 2x other travel, 1x everything else |
| Intro APR | None |
| Regular APR | 21.49%–28.49% variable |
| Foreign transaction fee | None |
| Credit needed | Good to Excellent (700+) |
| Best for | Travelers who want flexible points without a huge annual fee |
| Airport lounge access | No |
Rewards & benefits
- Points transfer 1:1 to United, Southwest, Hyatt and more
- 25% more value through Chase Travel
- $50 annual hotel credit via Chase Travel
Eligibility & who it suits
- U.S. credit history with a good-to-excellent score
- Not subject to Chase 5/24 (5 new cards in 24 months)
- Sufficient income to support the line
How to apply
Check current rates on Chase’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | CChaseSapphire Preferred$95/yr · US Chase Sapphire Preferred CardTravelers who want flexible points without a huge annual fee |
$95/yr | 5x travel (Chase Travel), 3x dining & streaming, 2x other travel, 1x everything… | 60,000+ bonus points after meeting the minimum spend | None | Good to Excellent (700+) | |
| 2 | CChaseSapphire Reserve$550/yr · US Chase Sapphire ReserveFrequent travelers who value lounge access and premium protections |
$550/yr | 10x hotels & cars via Chase Travel, 5x flights, 3x dining, 1x other | Large points bonus after the minimum spend | None | Excellent (740+) | |
| 3 | COCapital OneVenture Rewards$95/yr · US Capital One Venture RewardsTravelers who want flat-rate miles with no category tracking |
$95/yr | 5x hotels & cars via portal, 2x miles on all other purchases | Miles welcome offer after minimum spend | None | Good to Excellent (700+) | |
| 4 | CCitiStrata Premier$95/yr · US Citi Strata Premier CardEveryday spenders who want broad 3x travel and grocery rewards |
$95/yr | 10x hotels, car rentals & attractions via Citi Travel, 3x air travel, restaurant… | 70,000+ bonus ThankYou Points after meeting the minimum spen… | None | Good to Excellent (700+) |
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