Chase Sapphire Preferred review

Sapphire Preferred is the best entry into transferable travel points. Chase charges a $95 annual fee and offers 75,000 points after you spend $5,000 on purchases in the first 3 months. Earning is broad for a card at this price: 5X on purchases through Chase Travel, 3X on dining, gas stations, EV charging, select vacation homes, top streaming services and online grocery, 2X on other travel and 1X on everything else. Two credits push back against the fee: up to $100 each account anniversary year for hotel stays booked through Chase Travel, and one statement credit of up to $120 every four years for Global Entry, TSA PreCheck or NEXUS. Chase also lists a complimentary DashPass membership, a year of Apple TV when activated by December 31, 2026, travel and purchase coverage and no foreign transaction fees. Points can move to Chase's airline and hotel partners. There is no lounge access, so travelers who want lounges should look at Venture X or Sapphire Reserve.

Who it is for

Travelers who want flexible, transferable points and strong everyday categories for $95 a year.

Price

$95 annual fee.

$95 annual fee
Quoted from the vendor pricing page on November 8, 2026.

Key features

• 75,000 points after $5,000 in purchases in the first 3 months
• 5X points on Chase Travel, 3X on dining, gas stations, EV charging, top streaming and online grocery
• Up to $100 a year in statement credits for hotels booked through Chase Travel
• Global Entry, TSA PreCheck or NEXUS fee credit of up to $120 every four years
• Points transfer to Chase travel partners, with no foreign transaction fees

Strengths and weaknesses

• Strength: Low annual fee for a card with transferable points
• Strength: 3X categories cover dining, gas and streaming
• Strength: Hotel credit and trusted traveler credit help offset the fee
• Weakness: No airport lounge access
• Weakness: The $5,000 spend for the bonus is higher than most mid-fee cards
• Weakness: Other travel booked outside Chase Travel earns 2X

Key facts

• Annual fee: $95
• Welcome bonus: 75,000 points after $5,000 in 3 months
• Travel earning: 5X on Chase Travel, 2X on other travel
• Variable APR: 19.49% to 27.74%
• Foreign transaction fee: None

Where it ranks

Chase Sapphire Preferred is No. 2 in our Best Travel Credit Cards verdict.