Chase Sapphire Preferred
$95 annual fee · $220/yr in printed statement credits · 1x on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Rideshare | 5x | uncapped |
| Dining | 3x | uncapped |
| Gas | 3x | uncapped |
| EV charging | 3x | uncapped |
| Streaming | 3x | uncapped |
| Groceries | 3x | uncapped |
| Travel | 2x | uncapped |
| Everything else | 1x | uncapped |
| Issuer travel portal portal only — pays only if you book through the issuer's own site, so it is excluded from every ranking on this site |
5x | uncapped |
See how it ranks: best rideshare cards · best dining cards · best gas cards · best EV charging cards.
Signup bonus: 75,000 points after $5,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Bonus figure confirmed on the issuer's page 2026-09-10.
Statement credits — $220/yr on paper
| Credit | Value | How it pays |
|---|---|---|
| Chase Travel Hotel Credit | $100/year | annual |
| DoorDash monthly promo | $120/year | monthly · enrollment required |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- Complimentary DashPass membership, 12 months, ~$120 value, activate by 12/31/2027
- Complimentary Apple TV, 12 months (~$156 value), one-time activation required by 12/31/2026
- Trip Cancellation and Interruption Insurance, up to $10,000/traveler and $20,000/trip
- Baggage Delay Insurance, up to $100/day for 5 days
- Travel and Emergency Assistance
- Roadside Assistance
- Purchase Protection, up to $500/item, 120 days
- Auto Rental Coverage, primary, up to $60,000 for vehicles with MSRP $125,000 or less
Does the fee earn out?
The printed statement credits ($220/yr) cover the $95 fee on paper — if you'd spend that way anyway. Credits you have to remember, enroll in, or change behavior for are worth less than face value. Our app tracks each one against your actual charges.
Is this $95 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Compared head-to-head
- Chase Sapphire Preferred vs Wyndham Rewards Earner Plus Card — which earns more?
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- Chase Sapphire Preferred vs AAA Travel Advantage Visa Signature — which earns more?
- Chase Sapphire Preferred vs Everyday Rewards+ (Elan) — which earns more?
- Chase Sapphire Preferred vs Wells Fargo Autograph — which earns more?
- Chase Sapphire Preferred vs PenFed Platinum Rewards — which earns more?
- Chase Sapphire Preferred vs American Express Gold Card — which earns more?
- Chase Sapphire Reserve vs Chase Sapphire Preferred vs Chase Freedom Unlimited — all three side by side
- Chase Sapphire Preferred vs Capital One Venture Rewards vs Citi Strata Premier® Card — all three side by side
- American Express Gold Card vs Chase Sapphire Preferred vs Citi Strata Premier® Card — all three side by side
- Capital One Venture X vs Capital One Venture Rewards vs Chase Sapphire Preferred — all three side by side
Don't want the fee any more?
Chase Sapphire Preferred can normally be product-changed to two lower-fee cards out of Chase Ultimate Rewards and into cash back instead of being closed — which keeps the account, its age and its credit line.
Comparing cards in the same currency? See the best cards that earn Chase Ultimate Rewards →
More from Chase
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-03 against issuer terms · sources: creditcards.chase.com. Spot an error? Tell us.