ChaseVisaSnapshot ·partially checked against the issuer page on 2026-10-10 (annual fee, welcome bonus, purchase APR, foreign transaction fee, earn rates, hotel credit); other figures pending verification
Chase Sapphire Preferred® Card
Anyone looking for a high-value, low-fee primary travel rewards card with 1:1 transfer partners.
Official Financial Terms & Fees
| Annual Fee | $95 |
| Base Earning Rate | 1x point per dollar on general purchases |
| Welcome Bonus Offer | Earn 75,000 bonus points after you spend $5,000 in purchases in the first 3 months from account opening (per Chase's page on 2026-10-10; offers change). |
| Regular APR | 19.49% - 27.74% Variable |
| 0% Intro APR Window | Purchases: None Balance Transfers: None |
| Foreign Transaction Fee | None (0%) |
| Recommended Credit Score | Good to Excellent (690-850) |
| Official Bank Disclosure | Official Chase Website ↗ |
✓ Reasons to Choose Chase Sapphire Preferred® Card
- ✓ 1:1 point transfers to premier airline and hotel partners including World of Hyatt and United
- ✓ Comprehensive primary auto rental collision damage waiver and trip cancellation insurance
- ✓ Up to $100 in statement credits each account anniversary year for hotel stays purchased through Chase Travel
✕ Drawbacks to Keep in Mind
- ✕ $95 annual fee is not waived the first year
- ✕ Lacks airport lounge access found on premium tier cards
Head-to-Head Showdowns Involving Chase Sapphire Preferred® Card
Chase Sapphire Preferred vs Reserve
For most cardholders, the Sapphire Preferred delivers most of the Chase travel ecosystem at a fracti...
See full side-by-side math →Venture X vs Sapphire PreferredWhile Sapphire Preferred has a lower upfront fee ($95), Venture X's $300 travel credit and $100 anni...
See full side-by-side math →Capital One Venture vs Chase Sapphire PreferredThe Sapphire Preferred wins slightly due to World of Hyatt 1:1 transfers and superior primary car re...
See full side-by-side math →Amex Gold vs Chase Sapphire PreferredPreferred is the far easier card to manage with a low $95 fee and primary travel protection. However...
See full side-by-side math →