Chase Sapphire Preferred Card
| Annual fee | $95 Fact |
| Foreign transaction fee | None |
| Rewards currency | Ultimate Rewards points |
| Est. point value | 2.05¢ Estimate |
Last updated Oct 28, 2026
Checked Oct 28, 2026
Before you apply
General Chase policies as commonly reported by applicants, not a prediction about your application.
Sign-up bonus history
5-year best: 100,000 pointsView as a table
| Period | Bonus | Spend requirement |
|---|---|---|
| Oct 2021 to Jan 2022 · 2 mo | 100,000 points Best | $4,000 |
| Jan 2022 to Oct 2022 · 9 mo | 60,000 points | $4,000 |
| Oct 2022 to Jan 2023 · 3 mo | 60,000 points plus $750 statement credit | $4,000 |
| Jan 2023 to Apr 2023 · 3 mo | 60,000 points | $4,000 |
| Apr 2023 to Jul 2023 · 3 mo | 60,000 points plus $750 statement credit | $4,000 |
| Jul 2023 to Oct 2023 · 3 mo | 60,000 points | $4,000 |
| Oct 2023 to Jan 2024 · 3 mo | 60,000 points plus $750 statement credit | $4,000 |
| Jan 2024 to Jul 2025 · 18 mo | 60,000 points | $4,000 |
| Jul 2025 to Jul 2026 · 12 mo | 75,000 points | $5,000 |
| Jul 2026 to Jul 2026 · 15 days | 100,000 points Best | $5,000 |
| Jul 2026 to now · 3 mo | 75,000 points | $5,000 |
Based on the public offers we have on record over time. Short-lived offers may not appear, and elevated or targeted offers are not shown.
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Transit and rideshare | 5x | n/a | No cap |
| Peloton equipment and accessories | 5x | n/a | $5,000/yr |
| Travel (issuer portal) | 5x | points | No cap |
| Groceries | 3x | points | No cap |
| Gas and EV charging | 3x | points | No cap |
| Restaurants | 3x | points | No cap |
| Streaming | 3x | points | No cap |
| Vacation homes at top brands | 3x | points | No cap |
| Travel | 2x | n/a | No cap |
| Everything else | 1x | points | No cap |
Conditional earning rates
| Rate | When it applies |
|---|---|
| 5x | Earn 5x total points on Lyft rides through 9/30/27. |
| 5x | Earn 5x total points on eligible Peloton equipment and accessory purchases over $150, up to $5,000 in total purchases, through 12/31/27. |
Recurring credits
Estimated value| DashPass members get a $10 promo each month ($120 annually) to save on groceries, retail orders, and more. Shared across the account
|
$120/yr (Monthly) |
| Earn up to $100 in statement credits each account anniversary year for hotel stays purchased through Chase Travel. Shared across the account
|
$100/yr (Anniversary) |
| Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for Global Entry, TSA PreCheck, or NEXUS. Shared across the account
|
$30/yr (one-time/annual) |
Credit value depends on whether you use each credit; treat these as potential value.
Benefits & protections
Card factsProvides legal and medical referrals and access to other travel and emergency assistance services while traveling.
Get a complimentary DashPass membership, a $120 value for 12 months, with $0 delivery fees and reduced service fees on eligible DoorDash orders when activated by 12/31/27.
Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $180.
Covers medical services and transportation up to $100,000 for emergency evacuation during a trip 100 miles or more from home.
Extends manufacturer's U.S. warranty by an additional year on eligible warranties of three years or less, up to four years from purchase date.
Provides reimbursement up to $3,000 per covered traveler for lost, damaged, or stolen checked or carry-on baggage during a covered trip.
Up to $500,000 in accidental death or dismemberment coverage when paying for air, bus, train, or cruise transportation with card.
Covers unreimbursed expenses such as meals and lodging up to $500 per covered traveler if common carrier travel is delayed more than 12 hours.
Primary coverage providing reimbursement up to $60,000 for theft and collision damage when declining rental company's collision insurance.
Covers eligible new purchases for 120 days from date of purchase against damage or theft up to $500 per item.
Roadside emergency service dispatch with fees billed to card at time of dispatch.
Reimburses up to $100 a day for up to 5 days for essential purchases when baggage is delayed over 6 hours.
Reimbursed up to $10,000 per covered traveler and $20,000 per trip for pre-paid, non-refundable travel expenses if trip is canceled or cut short.
Authorized users on the Sapphire Preferred
Card factsAuthorized users are free.
Each authorized user gets
- Auto rental coverage
- Baggage delay insurance
- DoorDash DashPass membership
- Emergency evacuation and transportation
- Extended warranty protection
- Lost luggage reimbursement
- Purchase protection
- Travel accident insurance
- Trip cancellation and interruption insurance
- Trip delay reimbursement
Shared across the account
- $100 Chase travel hotel credit
- DoorDash monthly promo credit
- Global entrytsa prechecknexus credit
Transfer partners
Alliance reach: Oneworld, SkyTeam, Star Alliance. Points transferred to a member can often be redeemed across the alliance.
News on this card
-
Article Aug 22, 2026Is Cash Back Better Than Points? Amex Gold vs. 2% Cash Back
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