Card database → Chase Sapphire Preferred vs PenFed Platinum Rewards
Chase Sapphire Preferred vs PenFed Platinum Rewards
Printed earn rates valued in cents per dollar, side by side — the same math the Credit Upside engine runs on every charge. Card data verified 2026-09-02.
| Category | Chase Sapphire Preferred | PenFed Platinum Rewards |
|---|---|---|
| Dining | 3.8¢/$ (3x) | 2.6¢/$ (3x) |
| Groceries | 3.8¢/$ (3x) | 2.6¢/$ (3x) |
| Gas | 3.8¢/$ (3x) | 4.3¢/$ (5x) |
| Travel | 2.5¢/$ (2x) | 0.9¢/$ (1x) |
| Flights | 1.3¢/$ (1x) | 0.9¢/$ (1x) |
| Hotels | 1.3¢/$ (1x) | 0.9¢/$ (1x) |
| Streaming | 3.8¢/$ (3x) | 2.6¢/$ (3x) |
| Online retail | 1.3¢/$ (1x) | 0.9¢/$ (1x) |
| Issuer travel portal | 6.3¢/$ (5x) | 0.9¢/$ (1x) |
| EV charging | 3.8¢/$ (3x) | 4.3¢/$ (5x) |
| Rideshare | 1.3¢/$ (1x) 5x at Lyft only — not counted | 0.9¢/$ (1x) |
| Everything else | 1.3¢/$ (1x) | 0.9¢/$ (1x) |
| Annual fee | $95 | None |
| Statement credits (max/yr) | $220 | — |
| Foreign transaction fee | None | None |
| Signup bonus | 75,000 after $5,000/3mo | 15,000 after $1,500/3mo |
| Offer last confirmed | 2026-09-14 | 2026-09-14 |
Chase Sapphire Preferred wins more of the everyday categories (10 of 12), but PenFed Platinum Rewards costs $95 less per year — which card earns more depends entirely on where YOUR money goes.
Point values are Credit Upside's maintained mid-range estimates (Chase Ultimate Rewards at 1.25¢, PenFed points at 0.85¢). Caps, rotating categories and credit usage change the real answer — the app applies all of them to your actual statement.
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