Chase · Visa
Chase Sapphire Preferred
Households spending $400+/mo on dining and travel
$95 annual fee up to $220/yr in credits if you use them
Why people consider it
- 3x on Dining.
- 3x on Gas.
- Points transfer to 9 airline and hotel partners.
Current welcome offer
Current: 75,000 points
Recent typical offer: 100,000 points
Current offer is 25% lower than recent typical offers.
Welcome offer: 75,000 points≈ $1,125 at our typical valuation
Requirement: Spend $5,000 in 3 months
Tell us what you normally spend and we’ll check it against this requirement. Find a card →
Current offer shown; issuer determines eligibility.
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.
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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Is this card worth it?
Ongoing value
$1,039/year
for the sample household ($4,800/month) · points at typical value
First-year value
$2,164 first year
Includes: +$1,125 welcome offer (75,000 points at our typical value)
$1,125 is one-time. $1,039/year is ongoing.
To earn the bonus: spend $5,000 in 3 months.
Offer verified: Nov 4, 2026
Worth considering if you already want this type of card.
- Full annual fee:
- $95, charged in full — credits count only if you use them
- Major trade-offs:
- 5/24 rule applies Hyatt transfers at 4:3 since 2026 (Sapphire Reserve keeps 1:1)
- Against a no-fee alternative:
- We'd choose the $0-fee option. Citi Double Cash nets as much as Chase Sapphire Preferred on this spending, with no fee to earn back. (The sample household; run your own numbers.)
Detailed research
Full reward table and category caps
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
Optional benefits and credits
Credits — if you use them
$10 in DoorDash non-restaurant promo credit each month ($120/yr) through 2029-12-31 — DashPass activation required
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
Redemption and transfer information
Points transfer to 9 airline and hotel partners — often where the highest redemption values live. Hyatt transfers at 4:3 on this card (3 Hyatt points per 4 Chase points) — about 1.28¢ per Chase point at our Hyatt value, against 1.7¢ at 1:1.
Approval and bonus eligibility caveats
Recommended credit score: 700+ — the issuer decides every application.
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on Chase's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
Pros
- + Strong transfer partners (United, Southwest 1:1; Hyatt at 4:3 since 2026)
- + Strong dining and travel rewards
- + Reasonable annual fee for benefits
- + Primary rental car insurance
Cons
- - 5/24 rule applies
- - Hyatt transfers at 4:3 since 2026 (Sapphire Reserve keeps 1:1)
- - No lounge access
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
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.