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Credit card review
Chase Sapphire Preferred review
Best for: Travelers who want flexible points without a sky-high annual fee.
The classic travel card for people who want one flexible points program: a 75k welcome bonus, 5x travel booking through Chase, and points that transfer to 14 airline and hotel partners — all for a $95 annual fee.
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Annual fee
$95
Rewards
5x on travel via Chase Travel; 3x on dining, streaming, online groceries, gas/EV charging; 2x other travel; 1x everything else
Intro APR
None
Regular APR
19.24%–27.49% variable
Welcome offer
75,000 bonus points after $5,000 spend in 3 months
Foreign transaction fee
None
A limited-time 100,000-point bonus ended 7/30/2026 — the current offer is 75,000 points. Confirm current terms on Chase's site before applying.
Standout features
- $100 annual hotel credit for bookings made through Chase Travel.
- Up to $120 credit for Global Entry or TSA PreCheck every 4 years.
- Strong travel protections: trip cancellation/interruption insurance, primary auto rental coverage, and points that transfer 1:1 to 14 airline and hotel partners.
Honest drawbacks
- No intro APR on purchases or balance transfers — not a debt tool.
- The $95 fee only pays off if you travel and book through Chase Travel.
- The 3x online-grocery category excludes Walmart, Target, and wholesale clubs; the $5,000-in-3-months spend bar for the bonus is high.
Visit Chase Sapphire Preferred →
Link goes directly to Chase Sapphire Preferred's own site. Card terms verified September 2026. Issuers change rates, fees, and welcome offers without notice — confirm current terms on the issuer's site before applying.
Sources
- Chase Sapphire Preferred (official) (checked Sep 2026)
- Motley Fool: Sapphire Preferred 2026 update (checked Sep 2026)
- The Points Guy: is the Sapphire Preferred worth the fee? (checked Sep 2026)
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