Chase Sapphire Preferred® Card Review

Last Updated on May 13, 2026

Offer Rating

4.5/5

By Our Content Team

EDITOR

Perfect for frequent flyers or for those who only travel a few times a year, this popular travel rewards card is a consumer favorite thanks to the flexible travel rewards and big sign up bonus.

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Rates & Fees

Chase Sapphire Preferred® Card

4.5 BCC Score

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on Chase's secure site

Welcome Offer

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

Rewards Rate

5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases

Intro APR

N/A, then 19.24% - 27.49% Variable

Annual Fee

$95

Credit Score Needed

Excellent, Good

Card Brand

Visa®

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, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
Member FDIC

Pros

Big sign up bonus to kickstart your rewards earning
Flexible redemption options to stretch your points even further
No limit on the number of points you can earn and points don't expire

Cons

The annual fee is not waived the first year
The spending threshold to earn the sign up bonus is a bit higher than some other cards

OUR EXPERT REVIEW

Why We Like It

Anyone looking for a travel rewards credit card needs to take a close look at the Chase Sapphire Preferred® Card. This card has long been a consumer favorite thanks to its flexible rewards program and long list of perks and benefits. There is an annual fee of $95, but that is on the lower end compared to other travel cards, especially when you consider all the added value that is packed into this credit card.

For starters, new cardholders will enjoy a big sign up bonus: Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. For ongoing rewards, the Chase Sapphire Preferred® Card earns 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases. Also, there are no foreign transaction fees which makes this card a great choice when traveling outside of the country.

What makes this card stand out is its flexibility in terms of how you can redeem your points with the option of transferring points directly to a number of airline frequent flyer programs and hotel loyalty accounts. A few of the transfer partners include Southwest Airlines, United Airlines, Marriott, and Hyatt hotels. Plus, you can earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠. All in all, this card offers lucrative rewards, flexible redemptions, and a long list of perks and benefits for a low annual fee.

Pros & Cons

Pros

Big sign up bonus to kickstart your rewards earning
Flexible redemption options to stretch your points even further
No limit on the number of points you can earn and points don't expire

Cons

The annual fee is not waived the first year
The spending threshold to earn the sign up bonus is a bit higher than some other cards

Pros Explained

Big sign up bonus to kickstart your rewards earning: Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening – that's a sizable incentive when compared to the low annual fee.
Flexible redemption options to stretch your points even further: You can use the Chase portal to redeem points for purchases with any airline or hotel, or transfer your points directly to a number of popular frequent flyer or hotel loyalty programs.
No limit on the number of points you can earn and points don't expire: Many cards have an expiration on points or quarterly or yearly caps on the number of points you can earn in bonus categories – not the Chase Sapphire Preferred® Card.

Cons Explained

The annual fee is not waived the first year: Some cards with an annual fee will offer to waive the annual fee during the first year of card membership.
The spending threshold to earn the sign up bonus is a bit higher than some other cards: Some consumers may find it difficult to spend the full amount required to meet the minimum spending threshold for the sign up bonus.