The Sapphire Preferred remains the easiest recommendation for someone getting into travel rewards, which is why it ranks first on our Best Travel Credit Cards list. For a $95 annual fee you earn 5 points per dollar on Chase Travel purchases, 3x on dining, gas and EV charging, streaming, and online groceries, and 2x on other travel, with no foreign transaction fees. The signup bonus recently dropped from 100,000 to 75,000 points after $5,000 in spend over three months, but it still sits near the top of our signup bonus rankings. The catch is that the 3x grocery rate applies to online grocery purchases only, excluding Target, Walmart, and wholesale clubs, and everything outside the bonus categories earns just 1x. The $100 annual hotel credit through Chase Travel and the Global Entry credit help offset the fee, while the DashPass and Apple TV perks are short-term extras.
Earn rates & credits
| Category | Rate |
|---|---|
Travel (via Portal) All Chase Travel purchases — flights, hotels, rental cars, vacation homes, cruises, activities, and tours | 5x |
Transit On Lyft rides through September 30, 2027 (limited-time promo) Through Sep 30, 2027 | 5x |
Sporting Goods Stores Eligible Peloton equipment and accessory purchases over $150 through December 31, 2027 (limited-time promo) Through Dec 31, 2027 | 5x |
Dining Dining worldwide, including takeout and eligible delivery | 3x |
Gas Gas and EV charging | 3x |
Groceries Online grocery purchases only (excluding Target, Walmart, and wholesale clubs) | 3x |
Streaming | 3x |
Vacation Rentals Vacation homes booked directly with top brands like Airbnb, Vrbo, Plum Guide, HomeAway, Homestay.com, and Vacasa | 3x |
Travel All other travel worldwide | 2x |
Everything Else | 1x |
| Benefit | Value |
|---|---|
Annual Hotel Credit Up to $100 in statement credits each account anniversary year for hotel stays purchased through Chase Travel | $100 /yr |
Global Entry/TSA PreCheck/NEXUS Credit Receive one statement credit of up to $120 every four years as reimbursement for the application fee. | $120 every 4 yr |
Apple TV Membership Get a year of complimentary Apple TV when activated by December 31, 2026. | $156 |
DoorDash DashPass Membership Complimentary DashPass for one year; members get up to $10 each month on groceries, retail, and more, plus $0 delivery fees on eligible orders. | $10 /mo |
| Total annual credits | $250 |
Card details
Regular APR | 19.24%–27.49% variable |
Foreign transaction fee | None |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Chase Sapphire Preferred
Chase Sapphire PreferredBased on 13 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.