Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card offers premium travel rewards with 5x points on travel through Chase, 3x on dining, and a $95 annual fee.

Last checked on September 19, 2026. We may earn a commission when you click through.

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✓ Earn 5x points on travel through Chase ✓ 3x points on dining and streaming services ✓ 75,000 point sign-up bonus after spending $5,000 in 3 months
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Chase Sapphire Preferred® Card

Visa · travel

Our Verdict Recommended

The Chase Sapphire Preferred® Card is an excellent choice for frequent travelers who value high rewards rates, especially on travel and dining. However, the high APR can be a drawback for those who carry a balance.

What it really costs

Annual fee $95
APR Range 22.49% – 29.49%

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Who it's for

Ideal for frequent travelers with good credit who regularly spend on dining and travel expenses.

Watch out

The high APR may lead to significant interest charges for those who do not pay off their balance in full each month.

The good and the not so good

  • Earn 5x points on travel through Chase
  • 3x points on dining and streaming services
  • 75,000 point sign-up bonus after spending $5,000 in 3 months
  • $95 annual fee is reasonable for rewards
  • No foreign transaction fees
  • 22.49%-29.49% variable APR can be high
  • Requires good to excellent credit
  • Annual fee may deter occasional travelers
  • Limited to Chase Travel for 5x points

In-Depth Review

This card provides a competitive rewards structure for travel enthusiasts. **With 5x points** on travel booked through Chase, the potential for earning is significant. However, the **22.49%-29.49% APR** means that carrying a balance can quickly negate rewards benefits. Users should be diligent about paying off their balance to avoid high interest costs. The application process is but only individuals with good to excellent credit (670+) will likely qualify. For those who frequently travel and dine out, the rewards can add up quickly, making the $95 annual fee worthwhile. **Chase's customer service** is generally well-regarded, adding to the user experience. Overall, while this card excels in rewards for travel and dining, it's not may carry a balance due to the high APR. For anyone looking to leverage the benefits, ensure you understand how to maximize point accumulation without incurring unnecessary debt.

Summary

The Chase Sapphire Preferred® Card offers premium travel rewards with a $95 annual fee, 5x points on travel through Chase, and a 3x points rate on dining.

What cardholders say

Cardholders appreciate the generous rewards rates but caution about the high APR if balances are carried.

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