Chase · Visa
Chase Sapphire Preferred
Annual Fee
$95
up to $100/yr in credits if you use them
Sign-Up Bonus
$1,125
Current offer shown; issuer determines eligibility.
Spend $5,000 in 3mo
Terms apply.
Base Rate
1x
on everything
Best For
Households spending $400+/mo on dining and travel
Sign-Up Bonus
Bonus: 75,000 points
Details: 75,000 bonus points after $5,000 spend in 3 months. The elevated 100k offer ended 2026-07-30 (Chase-confirmed cutoff per Doctor of Credit); issuer page verified showing 75k on 2026-07-31.
Requirement: Spend $5,000 in 3 months
Estimated value: $1,125Terms apply. Current offer shown; issuer determines eligibility.
Reward Categories
Travel via Chase
Restaurants & delivery
Gas stations & EV charging
Streaming services
Online grocery
Vacation homes (Airbnb, Vrbo) via top brands
Other travel
Point value: ~1.5¢ each
Key Benefits
Credits — if you use them
Annual statement credit on a hotel booked through Chase Travel
Perks (not counted in our math)
Statement credit every 4 years — pay the application fee with your card; shown at its ~$30/yr annualized value
Pros & Cons
Pros
- + Excellent transfer partners including Hyatt
- + Strong dining and travel rewards
- + Reasonable annual fee for benefits
- + Primary rental car insurance
Cons
- - 5/24 rule applies
- - Need Sapphire Reserve for best point value
- - No lounge access
Transfer Partners
Points transfer to 9 airline and hotel partners — often where the highest redemption values live.
Rates and fees may vary.See current rates, fees, and terms on Chase's site
Recommended credit score: 700+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.