Chase Sapphire Preferred
Rated on published terms$95 travel card with 75,000 points after $5,000 and 1:1 transfers to Hyatt and United
Rates verified October 30, 2026Apply nowThe Bottom Line
- Best for
- Someone with good-to-excellent credit (690+) who can hit $5,000 in planned spending within 3 months, pays the balance in full each month, and will actually transfer points to partners like Hyatt or United rather than let them sit.
- Annual fee
- $95 (verified Oct 30, 2026). All rates and fees
Key facts
- Welcome bonus: 75,000 points after $5,000 in 3 months (Chase page, September 7, 2026)
- Regular APR: 19.24%-27.49% variable (max 29.99%)
Pros
- 75,000-point welcome bonus at a $95 fee, confirmed on Chase's page September 7, 2026
- 1:1 point transfers to Hyatt, United and other partners
- 2026 refresh added categories without a fee hike
Cons
- $5,000 bonus spend requirement is high for a $95 card
- No lounge access
- CNBC flags a negative transfer-partner change in the 2026 overhaul
At a glance
Rates verified October 30, 2026- Annual fee
- $95
- Rewards
- 5x Chase Travel, 3x dining, gas/EV, vacation rentals, streaming and online groceries, 2x other travel, 1x other
- Welcome bonus
- 75,000 points after $5,000 in 3 months (Chase page, September 7, 2026)
- Regular APR
- 19.24%-27.49% variable (max 29.99%)
- Recommended credit
- good-excellent (690+)
- Issuer
- Chase
- Network
- Visa
Source: creditcards.chase.com/rewards-credit-cards/sapp…, read October 30, 2026
Chase Sapphire Preferred fees
Issuer page read October 27, 2026- Annual fee
- $95issuer page
- Foreign transaction fee
- No foreign transaction feeissuer page
Chase Pricing & Terms LGC65222, linked from the card page https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred; costs stated 'accurate as of 9/22/2026'. Fills a gap: our stored foreign transaction fee was null.
Read on the issuer's own page. Terms change, and an issuer can offer a different fee to different applicants. See how this card compares in the credit card fee dataset.
Does it earn back the fee?
includes the $750 welcome offer ($5,000 of spend in 3 months)
after the $95 annual fee
On $22,500 of annual spending at Chase Sapphire Preferred's base rate of 1%, which earns $225 a year. This is a floor: it counts only the rate that applies to every purchase, so bonus categories can push it higher, never lower. Points and miles are valued at 1 cent each, what they are worth as cash back. Transferring to airline or hotel partners can be worth more, but only when award seats exist, so we leave that out of the guaranteed figure.
How this fee compares
Welcome offer: 75,000 points after $5,000 in 3 months (Chase page, September 7, 2026). Regular APR 19.24%-27.49% variable (max 29.99%).
We re-verify against the issuer's own page when we refresh this listing, and we stamp that date. We do not claim a daily check.
Versus named competitors
As of October 30, 2026, Chase Sapphire Preferred charges $95 annual fee. The table below uses each competitor's own last-verified print, not a shared snapshot.
| Product | Annual fee | Welcome offer | Verified |
|---|---|---|---|
| Chase Sapphire Preferred | $95 | 75,000 points after $5,000 in 3 months (Chase page, September 7, 2026) | October 30, 2026 |
| Capital One Venture X Rewards | $395 | 75,000 bonus miles after spending $4,000 within the first 3 months from account opening | October 27, 2026 |
| American Express Gold Card | $325 | Personalized: Amex's page shows an offer as high as 100,000 points after $8,000 in 6 months, but says to apply to find out your specific offer and that you may not be eligible for one (confirmed September 25, 2026) | September 25, 2026 |
| Capital One Venture Rewards | $95 | 75,000 miles after $4,000 in 3 months | October 29, 2026 |
Fees and offers change. Named comparisons use each card's last issuer-page check, not a shared snapshot.
Chase Sapphire Preferred: summary of published terms
The Chase Sapphire Preferred is a $95 travel card built around transferable Chase points and 1:1 transfers to partners like Hyatt and United. Chase's own page, fetched September 7, 2026, posts 75,000 points after $5,000 in spending in the first 3 months. The 100,000-point limited-time print from July is gone. A 2026 refresh added earning categories and a $100 hotel credit without raising the fee. It rewards cardholders who pay in full and redeem points through travel partners, and penalizes those who carry a balance at the 19.24% to 27.49% variable APR.
Highlights
- 75,000 points after $5,000 in 3 months, confirmed on Chase's page September 7, 2026
- 1:1 point transfers to Hyatt, United and other partners, the core of the card's value
- 2026 refresh added earning categories and doubled the annual Chase Travel hotel credit to $100 without a fee hike
- Broad earning: 5x Chase Travel, 3x dining, gas and EV charging, vacation rentals, streaming and online groceries
- Extras include a complimentary DashPass year and an Apple TV promo year
Limitations
- The $5,000 bonus-spend requirement in 3 months is high for a $95 card and can encourage overspending
- Regular APR of 19.24% to 27.49% variable (max 29.99%) wipes out rewards value if you carry a balance
- No lounge access, so this is not a premium-travel card
- CNBC flags a negative transfer-partner change in the 2026 overhaul; transfer terms are set by Chase and can shift
- The 100,000-point elevated offer from July 2026 is no longer on Chase's page
Automated summary of the provider's published terms. Not a collection of user reviews.
Editorial policyWhat is Chase Sapphire Preferred?
Key details
Recent changes to these figures
What changed when we last re-read the Chase Sapphire Preferred page, with the date.
- Annual fee and foreign transaction fee read on the issuer's own page 2026-10-27 (foreign transaction: none)
Best Chase Sapphire Preferred Alternatives
Top alternatives based on rates, fees, and eligibility.
$395 annual fee with a $300 Capital One Travel credit; 75,000 bonus miles after $4,000 spend in 3 months.
4x at restaurants and US supermarkets for $325, with up to $424 in credits
Flat 2x miles on everything and a 75k bonus for $95, no homework required
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Chase Sapphire Preferred FAQ
What is the annual fee on the Chase Sapphire Preferred?
What is the current welcome bonus?
What credit score do you need?
Source: creditcards.chase.com
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