Chase Sapphire Preferred Credit Card
The Chase Sapphire Preferred is the $95 card in Chase's Sapphire line. It earns Ultimate Rewards points at 5x on travel bought through Chase Travel, 3x across six everyday lanes from dining to online groceries, and 2x on other travel, with no foreign transaction fee.
- Annual fee
- $95
- Rewards type
- Points
- Foreign transaction fee
- None
- Headline earn
- 5x on travel purchased through Chase Travel; 3x on dining, vacation homes, gas and EV charging, streaming and online groceries; 2x on other travel
Facts read from the Chase official Sapphire Preferred card page on October 22, 2026. How we check them: methodology.
Earn rates, as the issuer prints them
| Earn rate |
|---|
| 5x points on travel purchased through Chase Travel |
| 3x points on dining at restaurants, including takeout and eligible delivery services |
| 3x points on vacation homes booked with top brands |
| 3x points on gas and EV charging |
| 3x points on select streaming services |
| 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs) |
| 2x points on all other travel purchases |
| 1x points on other purchases (base rate on the issuer page) |
Eight earn lines make this the most detailed table among the Chase cards in this directory. Only the 5x line depends on where you book: it covers travel purchased through Chase Travel, while a fare bought on an airline's own site falls to the 2x line for other travel. The online grocery line excludes Target, Walmart and wholesale clubs, so a household that orders groceries from those stores earns the 1x base rate on them.
A year of spending on this card, worked out
Arithmetic illustration with stated inputs: a household putting $500 a month on restaurants, $300 on online groceries from an eligible grocer, $200 on gas and $1,000 on other purchases earns 18,000 + 10,800 + 7,200 + 12,000 = 48,000 Ultimate Rewards points in a year. The same $24,000 of spending at a flat 1x would earn 24,000 points, so for this mix the bonus lanes double the balance. What those points are worth is decided later, by the booking they pay for.
Welcome offer as published
As published on the issuer page: 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Clearing $5,000 in three months means about $1,667 of purchases a month. Spending that would happen anyway also earns its own points: $5,000 at the 1x base rate adds 5,000, so a threshold met with ordinary base-rate purchases ends the window at 80,000 points or more. The risky part is spending pulled forward only to reach the number, because the offer pays once and the $95 fee comes back every year.
Who this earn structure suits
Travelers whose spending runs through Chase Travel and other travel purchases, and who want Ultimate Rewards points they can hold until a specific booking is priced. The earn structure pays its top travel rate inside the Chase portal, and pays 3x on dining, vacation homes, gas and EV charging, streaming and online groceries, so everyday spending in those lanes also earns at a bonus rate.
Notes from the issuer page
- The issuer page checked also lists dated promotions: 5x total points on Lyft rides through September 30, 2027 and 5x total points on eligible Peloton equipment and accessory purchases over $150 through December 31, 2027. Promotions are dated, not standing earn rates.
The traps to check in your account
- Points land in Chase Ultimate Rewards; read its hub and the transfer guides before moving any.
- The 5x Lyft and Peloton lines on the issuer page are dated promotions that end September 30, 2027 and December 31, 2027. Do not count them as standing earn rates.
- Interest on a carried balance can outweigh the rewards, so the earn table assumes you pay in full.
Questions readers ask
What does the Chase Sapphire Preferred Credit Card earn?
5x on travel purchased through Chase Travel; 3x on dining, vacation homes, gas and EV charging, streaming and online groceries; 2x on other travel, per the issuer page checked October 22, 2026.
What is the welcome offer on the Chase Sapphire Preferred Credit Card?
Checked October 22, 2026: Clearing $5,000 in three months means about $1,667 of purchases a month. Spending that would happen anyway also earns its own points: $5,000 at the 1x base rate adds 5,000, so a threshold met with ordinary base-rate purchases ends the window at 80,000 points or more. The risky part is spending pulled forward only to reach the number, because the offer pays once and the $95 fee comes back every year.
Does the Chase Sapphire Preferred Credit Card charge foreign transaction fees?
None, per the issuer page checked October 22, 2026.
Is the Chase Sapphire Preferred Credit Card worth its annual fee?
The fee is $95 a year. One way to frame it from this card's own table: each $1,000 of dining earns 3,000 points here against 1,000 at a 1x rate, a gap of 2,000 points. The question is whether the yearly gap across your bonus-lane spending, counted in points, pays for more than $95 of bookings you would really make. Price one such booking in the calculator before deciding; this page puts no cash value on the points.
Does the Chase Sapphire Preferred earn 5x on flights?
Only on travel purchased through Chase Travel, as the issuer page checked October 22, 2026 prints it. A fare bought anywhere else, including directly from the airline, earns the 2x rate for other travel. Compare the portal price with the airline's own price first, because a higher portal fare can cancel out the extra points.