Chase Sapphire Preferred Credit Card
The Chase Sapphire Preferred Credit Card has a $95 annual fee and no foreign transaction fee 2. It earns Chase Ultimate Rewards points at 5x on Chase Travel purchases, 3x on dining, gas stations, EV charging, select streaming, online grocery and vacation homes at top brands, 2x on other travel and 1x elsewhere, and Chase lists primary rental car coverage up to $60,000 and an annual Chase Travel hotel credit of up to $100 13.
Contents12 sections
At a glance
| Annual fee | $952 |
|---|---|
| Foreign transaction fee | None2 |
| Rewards | Earns 5x points on Chase Travel purchases, 3x on dining, gas stations, EV charging, vacation homes at top brands, top streaming services and online grocery, 2x on other travel and 1x on everything else. |
| Rewards program | Chase Ultimate Rewards |
| Network | Visa Signature |
| Issuer | Chase · Official card page |
What to know about the Sapphire Preferred
The 5x rate covers only purchases made through Chase Travel; bookings through FROSCH by Chase Travel, Valerie Wilson Travel by Chase Travel or Frosch International Travel LLC earn 2x like other travel 1. The streaming and vacation-home bonuses apply only to the services and brands listed at chase.com/RewardsCategoryFAQs, and online grocery excludes Target, Walmart and wholesale clubs 1. Two promotions run on fixed dates: Lyft rides earn 5x total through September 30, 2027, and Peloton equipment and accessory purchases over $150 earn 5x total on up to $5,000 in purchases through December 31, 2027 1.
Points are worth 1 cent each for cash, gift cards and travel, and Chase's Points Boost disclosure says 100 points can be worth up to $1.50 on select flights and hotels booked through Chase Travel with this card 45. Points can move to another Ultimate Rewards card held by the cardholder or one household member, or go to airline and hotel programs in 1,000-point increments, and they do not expire while the account is open 4.
The hotel credit is applied automatically to hotel stays bought through Chase Travel, up to $100 each account anniversary year, and that first $100 of Chase Travel hotel spending earns no points 1. A separate credit of up to $120 every four years reimburses a Global Entry, TSA PreCheck or NEXUS application fee charged to the card 1.
Chase's guide makes the rental coverage primary in and outside the U.S. when the full rental is charged to the card and the rental company's collision cover is declined, for rentals of up to 31 days; for New York residents with personal auto insurance it is excess inside the U.S. 3. Trip delay starts after 12 hours or an overnight stay, and emergency evacuation applies only to trips of 5 to 60 days more than 100 miles from home 3. Roadside dispatch is pay-per-use, with fees billed to the card 1.
Earning rewards
| Rate | On |
|---|---|
| 5x points per $1 | Purchases made through Chase TravelTravel booked through FROSCH by Chase Travel, Valerie Wilson Travel by Chase Travel or Frosch International Travel LLC earns 2x, not 5x. The first $100 of Chase Travel hotel purchases each year (covered by the hotel credit) earns no points.1 |
| 3x points per $1 | Dining at restaurants, including takeout and eligible delivery services1 |
| 3x points per $1 | Gas stations and electric vehicle charging1 |
| 3x points per $1 | Vacation homes at top brandsSelect top brands listed at chase.com/RewardsCategoryFAQs1 |
| 3x points per $1 | Top streaming servicesSelect top services listed at chase.com/RewardsCategoryFAQs1 |
| 3x points per $1 | Online groceryExcludes Target, Walmart and wholesale clubs1 |
| 2x points per $1 | Other travel purchases1 |
| 1x points per $1 | All other purchases1 |
| 5x points per $1 (total) | Lyft rides (promotional)Limited-time: through 9/30/2027; qualifying Lyft products purchased through the Lyft app1 |
| 5x points per $1 (total) | Peloton equipment and accessory purchases over $150 (promotional)Limit: Up to $5,000 in total purchasesLimited-time: through 12/31/2027; purchases made directly through Peloton in the U.S.1 |
Points are worth 1 cent each when redeemed for cash, gift cards or travel; other options may be worth more or less. Points can be transferred in 1,000-point increments to participating frequent travel programs and combined with other Chase cards with Ultimate Rewards. Points Boost promotions through Chase Travel can make points worth up to $1.50 per 100 points on select flights and hotels for Sapphire Preferred. Points don't expire while the account is open.45
Travel insurance and assistance
| Rental car coverage | Primary auto rental collision damage waiver up to $60,000 for theft and collision damage, worldwide, for vehicles with an MSRP of $125,000 or less; for New York residents coverage inside the U.S. is primary unless they have personal automobile insurance, in which case it is excess.13 |
|---|---|
| Trip cancellation and interruption | Up to $10,000 per covered traveler and $20,000 per trip ($40,000 per 12-month period per account) for pre-paid, non-refundable travel expenses if a trip is canceled or cut short for a covered reason.13 |
| Trip delay | Common carrier delays of more than 12 hours or requiring an overnight stay: up to $500 per covered traveler per trip for unreimbursed expenses such as meals and lodging.13 |
| Baggage delay | Up to $100 a day for up to 5 days for essential purchases when checked baggage is delayed more than 6 hours.13 |
| Lost or damaged luggage | Up to $3,000 per covered traveler per trip to repair or replace checked or carry-on baggage lost, damaged or stolen (sub-limits of $500 for jewelry and watches and $500 for cameras and electronics; New York residents additionally limited to $2,000 per bag and $10,000 per trip).13 |
| Travel accident insurance | Accidental death or dismemberment coverage up to $500,000 (common carrier) and $100,000 (24-hour travel accident) per covered traveler when the fare is paid with the card.13 |
| Emergency evacuation and medical | Emergency evacuation and transportation up to $100,000 if you or a covered traveler become sick or injured on a covered trip of 5 to 60 days, 100 miles or more from home; up to $15,000 to return remains.13 |
| Travel and emergency assistance | Travel and emergency assistance: legal and medical referrals and other assistance services while traveling; the cardholder pays for goods or services obtained.13 |
| Roadside assistance | Pay-per-use roadside dispatch in the U.S. and Canada; service fees are billed to the card at time of dispatch (costs not covered).13 |
Purchase and phone protection
| Purchase protection | Covers eligible new purchases against damage or theft for 120 days (90 days for New York residents), up to $500 per item and $50,000 per account.13 |
|---|---|
| Extended warranty | Extends eligible manufacturer's U.S. warranties of three years or less by one additional year, up to four years from purchase; up to $10,000 per item and $50,000 per account.13 |
Travel perks
| Global Entry or TSA PreCheck credit | One statement credit of up to $120 every four years for the Global Entry, TSA PreCheck or NEXUS application fee charged to the card.1 |
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Account features
| Free credit score | Free credit score and identity monitoring through Chase Credit Journey.1 |
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Statement credits
| Annual Chase Travel hotel credit | $100 each account anniversary year. Applied automatically when the card is used for hotel accommodations purchased through Chase Travel; the first $100 of Chase Travel hotel purchases each year does not earn points.1 |
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Other perks
| Point transfers to airline and hotel partners | Transfer points to participating frequent travel programs: Aer Lingus AerClub, Air Canada Aeroplan, British Airways Executive Club, Flying Blue (Air France KLM), Iberia Plus, JetBlue TrueBlue, Singapore Airlines KrisFlyer, Southwest Rapid Rewards, United MileagePlus, Virgin Atlantic Flying Club, IHG Rewards Club, Marriott Bonvoy, World of Hyatt, Wyndham Rewards. Transfers are in 1,000-point increments; a transfer fee may be charged.14 |
|---|---|
| Complimentary DashPass | Complimentary DashPass on DoorDash and Caviar when activated by December 31, 2029, until December 31, 2029 or for 12 months, whichever is longer; plus a $10 promo each month on one non-restaurant DoorDash order through December 31, 2029.1 |
| Complimentary Apple TV | At least 12 months of complimentary Apple TV for the primary cardmember when activated by December 31, 2026.1 |
Not listed for this card
The Chase pages and benefit terms we checked for the Sapphire Preferred do not list these benefits:
Some benefits come from the card network rather than the bank and are not always advertised. Your own Guide to Benefits, or the number on the back of the card, is the final word on what your account covers.
Sources
- 1 Chase, Chase Sapphire Preferred Credit Card | Chase.com Checked Oct 10, 2026 · Back to text ↑
- 2 Chase, Chase Sapphire Preferred Pricing and Terms Checked Oct 10, 2026 · Back to text ↑
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- 4 Chase, Chase Sapphire Preferred with Ultimate Rewards Program Agreement Checked Oct 10, 2026 · Back to text ↑
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