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Chase credit card

Chase Sapphire Preferred Credit Card

$95 a year. 75,000 points after you spend $5,000 in 3 months. Purchase APR 19.49–27.74%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Chase’s terms

Welcome offer

75,000 points

After you spend $5,000 on purchases in your first 3 months.

Spending it takes
$1,667 a month
for 3 months
Tracking since
Sep 29, 2026
history will chart every change

New Cardmember Bonus. After qualifying, allow 6 to 8 weeks for the bonus to post. The account must be open and not in default at fulfillment. Balance transfers, cash advances, cash-like transactions, betting transactions, person-to-person money transfers, account-funding transactions, checks accessing the account, interest, unauthorized or fraudulent charges, and fees do not count toward the requirement.

  • Larger than about 85% of the 44 other points bonuses we track.

Who can get it: If you’ve ever had this card, you can’t get the bonus.

“The new cardmember bonus may not be available to you if you previously held this card or received a new cardmember bonus for this card.”

The issuer’s terms, from its page, as of Oct 7, 2026. Check which bonuses you can get

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$145$145
Typical spender$1,235$485
Heavy spender$1,890$1,140
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: not counted: 3x 3 points (“3X points”) on vacation homes at top brands.; points valued at an assumed 1¢; welcome bonus needs $5,000 in 3 months.

$145a year

The same in the first year and after.

Rewards and credits$240

You keep $145−$95 annual fee

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: not counted: 3x 3 points (“3X points”) on vacation homes at top brands.; points valued at an assumed 1¢; welcome bonus needs $5,000 in 3 months.

$485a year

$1,235 the first year, with the welcome bonus.

Rewards and credits$580

You keep $485−$95 annual fee

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 3x 3 points (“3X points”) on vacation homes at top brands.; points valued at an assumed 1¢.

$1,140a year

$1,890 the first year, with the welcome bonus.

Rewards and credits$1,235

You keep $1,140−$95 annual fee

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 3x 3 points (“3X points”) on vacation homes at top brands.; points valued at an assumed 1¢.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 95% of the 732 cards we track.

  • Lower top APR than about 55% of the 163 cards on our Sign-up bonuses list (see the list).
  • Lower annual fee than about 25% of the 171 cards on our Sign-up bonuses list (see the list).

Other points cards with fees up to $100

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Rewards

How you earn

5×
5 points (“5X points”) on Chase Travel purchases made using your card through Chase Travel.5X total points on qualifying Lyft products and services purchased through the Lyft mobile application through 09/30/2027.5X total points on eligible Peloton equipment and accessory purchases over $150 through Peloton from 4/1/2025 through 12/31/2027, on up to $5,000 in total purchases.
3×
3 points (“3X points”) on vacation homes at top brands.3 points (“3X points”) on gas stations.3 points (“3X points”) on electric vehicle charging.3 points (“3X points”) on dining at restaurants including takeout and eligible delivery services.3 points (“3X points”) on top streaming services.3 points (“3X points”) on online grocery, excluding Target, Walmart and wholesale clubs.
2×
2 points (“2X points”) on travel purchases, excluding purchases made through Chase Travel that qualify for 5 points.
1×
Everything else

Points per dollar. “What it’s worth” values a point at an assumed 1¢.

Benefits

  • Chase Travel Hotel Credit: $100 annual
  • Global Entry, TSA PreCheck or NEXUS Application Fee Statement Credit: $120 every 4 years
  • Trip cancellation: Up to $10,000 per covered traveler and $20,000 per trip for pre-paid, non-refundable travel expenses
  • Baggage: Up to $100 per day for up to 5 days
  • Emergency assistance
All 13 benefits
  • Roadside
  • Purchase protection: Up to $500 per item
  • Rental car: Up to $60,000 for most rental vehicles with an MSRP of $125,000 or less
  • Trip delay: Up to $500 per covered traveler
  • Travel accident: Up to $500,000
  • Baggage: Up to $3,000 per covered traveler
  • Extended warranty: Up to four years from the date of purchase
  • Other: Up to $100,000

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer APR
Balance transfer fee
Cash advance fee
Foreign transactions

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
  3. The bonus: If you’ve ever had this card, you can’t get the bonus.

Questions

What is the annual fee?
$95 · chase.com, since Sep 29, 2026
Does it charge a foreign transaction fee?
No. · sites.chase.com, since Oct 11, 2026
What is the purchase APR?
19.49–27.74% APR · sites.chase.com, since Sep 29, 2026
Is there a welcome bonus?
75,000 points after $5,000 in purchases in 3 months. · chase.com, since Sep 29, 2026
See it on chase.com

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