Sapphire Preferred®

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Sapphire Preferred®
4.7

Annual fee:
$95

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.99% - 28.24% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5x points on travel booked through Chase Travel and 2x points on other travel purchases. Earn 3x points on dining, eligible online grocery purchases, and select streaming services. Earn 1x point on all other purchases.

1x - 5x Points

Welcome Offer Earn 100,000 bonus points after spending $5,000 in the first three months. That's worth $1,250 when redeemed for travel through Chase Travel or $1,000 for cash.

100,000 Points

Welcome offer

Earn 100,000 bonus points after spending $5,000 in the first three months. That’s worth $1,250 when redeemed for travel through Chase Travel or $1,000 for cash.


Rewards

  • $50 Chase Travel Hotel Credit: Receive up to $50 in statement credits each year for hotel stays booked through Chase Travel.
  • 5x Points on Chase Travel Purchases: Earn 5x points on travel booked through Chase Travel. Note: Hotel bookings that use your $50 Annual Hotel Credit don’t earn 5x points (You’ll still get the credit, just not the extra points on that part).
  • 2x Points on Other Travel Purchases.
  • 3x Points on Select Categories:
    • 3x Points on Dining.
    • 3x Points on Eligible Online Grocery Purchases (excluding Target, Walmart, and wholesale clubs).
    • 3x Points on Select Streaming Services.
  • 1x Points on All Other Purchases.
  • 10% Anniversary Bonus: Each year, you’ll earn bonus points equal to 10% of your total purchases from the previous year.

Partner Benefits

  • DashPass Membership (DoorDash & Caviar): Get complimentary DashPass membership (a $120 value for 12 months), which gives you $0 delivery fees and lower service fees on eligible orders. Activate by December 31, 2027 to enjoy at least one year of benefits.
  • $10 Off DoorDash Non-Restaurant Orders: Get up to $10 off per month on non-restaurant DoorDash orders.
  • Lyft: Earn 5x Points on Lyft rides through September 2027.
  • Peloton: Earn 5x on Peloton equipment and accessory purchases over $150 when made directly through Peloton. There is a maximum earning limit of 25,000 points. Offer valid through March 31, 2027.

Redemption Options

  • Redeem your rewards for cash, gift cards, travel, products, services, and more.
  • 25% More Value on Travel Redemption: Get 25% more value when you redeem points for travel through Chase Travel.
  • 1:1 Point Transfer: Transfer your points to top airline and hotel loyalty programs at a 1:1 value.

Fees and APR

  • Annual Fee: $95 for the primary cardholder; $0 for each authorized user.
  • Regular APR: 19.99% - 28.24% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Travel Benefits

  • Travel Benefits: Includes Auto Rental Coverage, Roadside Assistance, Trip Cancellation/Interruption Insurance, Baggage Delay Insurance, Lost Luggage Reimbursement, Trip Delay Reimbursement, Travel Accident Insurance, Travel and Emergency Assistance Services, and Concierge Service.

Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Exclusive Offers

Exclusive Offers: Early-access tickets, priority seating, and exclusive access to events with Sapphire offers, Chase Dining℠, and more.


Additional Features

  • Zero liability protection, fraud protection, automatic account alerts, 24/7 customer service, contactless checkout, compatibility with digital wallets, free credit score and identity monitoring with Credit Journey®, and chip-enabled for enhanced security.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Chase Sapphire Preferred® Card is a solid option for travelers who want flexible rewards and strong travel protections without a high annual fee. It’s especially well-suited for those who frequently spend on travel, dining, and even online grocery purchases. The sign-up bonus and ability to transfer points to travel partners add real value, and the lack of foreign transaction fees makes it a good fit for international use. For anyone looking to start building travel rewards with a well-rounded card, this one is worth considering.