Chase · Visa Signature · Personal
Chase Sapphire Preferred
A $95-a-year card earning Ultimate Rewards: 5× on 7 categories, 1× on everything else.
- Annual fee
- $95Charged every year
- Signup bonus
- 75,000 ≈ $1,388 in travel (our estimate)*
- Top rate
- 5×7 categories
- Point value
- 1.85¢ In travel · 1¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus 75,000 points · spend $5,000 on purchases in the first 3 months from account opening | $1,388 | – |
| Points on your spend Enter your spending | $0 | $0 |
| 10% annual points bonus On the points you earn | $0 | $0 |
| Credits you’d use None ticked yet | $0 | $0 |
| Annual fee Charged each year | −$95 | −$95 |
| NetYear one includes the bonus · at your inputs · our estimates* | $1,293 | −$95 |
The bonus needs $5,000 on purchases in the first 3 months from account opening.
Earning structure
16 categories, 4 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| Airfare (Portal) | 5× | $9.25 | |
| Car Rentals (Portal) | 5× | $9.25 | |
| Cruises (Portal) | 5× | $9.25 | |
| Hotels (Portal) | 5× | $9.25 | |
| Lyft Ends Oct 1, 2027 | 5× | $9.25 | |
Special NotesPeloton purchases only. | 5× | $9.25 | |
| Travel (Portal) | 5× | $9.25 | |
| Dining | 3× | $5.55 | |
| EV Charging | 3× | $5.55 | |
Groceries NotesONLINE GROCERIES ONLY Updated list of stores you can pay in-store on the app for the 3x on Groceries: - Kroger (use Kroger app) - Fry’s - HEB (use HEB Pay in app). - Harris Teeter - Publix (Publix app payment). - Smith’s Food and Drug - Sprouts (Sprouts app barcode scan at checkout). - Whole Foods (earn more with the Amazon Prime cards) https://upgradedpoints.com/news/chase-sapphire-preferred-3x-points-groceries/ | 3× | $5.55 | |
Streaming Services NotesConfirmed 3% Streaming Services (Direct Payments - don't signup via App Stores): - Netflix - Hulu, Disney+, & ESPN+ - Peacock - Paramount+ - HBO - Sling TV - Fubo - Vudu - Spotify, SirusXM, Pandora, & Tidal - Apple TV+ & Apple Music - YouTube TV & YouTube Premium DOES NOT WORK: - Amazon Prime Video - Starz - Discovery+ - DirectTV Stream - Audible - Crunchyroll - Acorn TV - BritBox | 3× | $5.55 | |
| Vacation Rentals | 3× | $5.55 | |
| Ridesharing | 2× | $3.70 | |
| Transit | 2× | $3.70 | |
| Travel | 2× | $3.70 | |
| All Other | 1× | $1.85 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $95
- Card type
- Personal
- Network
- Visa Signature
- Bank
- Chase
- Point system
- Ultimate Rewards
- Travel value (our estimate)*
- 1.85¢ per point
- Cash value (our estimate)*
- 1¢ per point
- Foreign transaction fee
- None
- Transfer partners
- Yes
- Travel portal redemption
- Yes
- Cash to travel
- No
- Annual points bonus
- 10%
Application rules4
- Sapphire
You cannot receive a signup bonus if you've already received a bonus from the same version of the personal Sapphire cards. Starting January 22, 2026, you'll be able to earn one bonus per Sapphire card, as long as you've never earned a bonus on that card previously — whether or not you currently hold a Sapphire card in your wallet. So, if you currently hold the Chase Sapphire Preferred and earned the bonus on it, you can now add the Chase Sapphire Reserve and earn its bonus as well — as long as you haven't previously earned the bonus on the Sapphire Reserve.
- 5/24
Your application will be declined if 5 new cards are reported on your personal credit report in the past 24 months
- Chase 2/30
You'll be declined if you apply for a third Chase card of any kind within 30 days.
- Chase 4/6
Chase will decline your application if you apply for a 5th Chase card (personal or business) in 6 months.
Transfer partners12
- Aeroplan 1:1
- Avios 1:1
- Flying Blue 1:1
- Flying Club 1:1
- IHG Rewards 1:1
- KrisFlyer 1:1
- Marriott Bonvoy 1:1
- Rapid Rewards 1:1
- True Blue 1:1
- United MileagePlus 1:1
- World of Hyatt 1:1
- Wyndham Rewards 1:1
Ratio is Ultimate Rewards points to partner miles or points.
Benefits17 · 3 high value
- Car Rental Insurance High valuePrimary Auto Rental Collision Damage Waiver
- Credits & Discounts High value$100 Chase Travel Hotel Credit + 2 more credits & discounts benefits
- Point Modifiers High value1.5x - 1.75x Points Boost
- Airport Express Credits $120 Global Entry / TSA PreCheck / NEXUS Credit
- Instant Perks & Status $120 DashPass Promo
- Travel Protections Baggage Delay Insurance + 9 more travel protections benefits
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 Chase Sapphire Preferred |  Chase Freedom Flex |  Chase JP Morgan Reserve Card |  Capital One Venture Rewards | |
|---|---|---|---|---|
| Annual fee | $95 | $0−$95 | $795+$700 | $95Same |
| Signup bonus | 75,000 pts | $200 | None | 75,000 pts |
| Top rate | 5×7 categories | 5×6 categories | 10×Special | 5×3 categories |
| Travel value * | 1.85¢Ultimate Rewards | 1.85¢Ultimate Rewards | 1.85¢Ultimate Rewards | 1.7¢Capital One Miles |
| Why it’s here | This card | Same issuer and the same Ultimate Rewards points, with no annual fee | Same issuer and the same Ultimate Rewards points | Same $95 annual fee, with transferable miles |
Chase Freedom Flex
$0 fee (−$95) · 5× top$200 bonusSame issuer and the same Ultimate Rewards points, with no annual fee
Chase JP Morgan Reserve Card
$795 fee (+$700) · 10× topNone bonusSame issuer and the same Ultimate Rewards points
Capital One Venture Rewards
$95 fee (same) · 5× top75,000 pts bonusSame $95 annual fee, with transferable miles
Video and discussion
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* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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