The Points Pro logo The Points Pro

All cards

Compare points and miles cards

Up to three cards side by side, most decisive first. Open any section for the detail.

Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

Chase Sapphire Preferred Card card art
Sapphire Preferred 1 of 1
Comparing 1 card
Chase Sapphire Preferred Card card art
Chase
Sapphire Preferred
Apply Details
Cost and value $95 fee
Annual fee
$95
Credits you can use a year, if you use every one
$250
Fee after credits
$155 back credits beat the fee
Point value per point or mile
2.05¢ Estimate
Rewards currency
Ultimate Rewards points
Foreign transaction fee
None
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus 75,000 points, about $1,538
Bonus
75,000 points
Estimated value
$1,538
Spend to earn it less a month is easier
$5,000 in 90 days about $1,667 a month
Earning rates Top rate 5x
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Dining
3x about 6.1% back
Groceries
3x about 6.1% back
Flights
1x about 2.0% back, the everything-else rate
  • 5x via the issuer portal, about 10.2%
Hotels
1x about 2.0% back, the everything-else rate
  • 5x via the issuer portal, about 10.2%
Travel (ground only)
1x about 2.0% back, the everything-else rate
  • 5x via the issuer portal, about 10.2%
Gas
3x about 6.1% back
Streaming / Subscriptions
3x about 6.1% back
Everything else
1x about 2.0% back
Only on this card
  • 5x Transit and rideshare
  • 5x Peloton equipment and accessories
  • 3x Vacation homes at top brands
Statement credits $250 a year
Trusted traveler
  • $120 every 4 years
    What counts

    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.

Dining and delivery
  • $120 a year $10 every month
    What counts

    DashPass members get a $10 promo each month ($120 annually) to save on groceries, retail orders, and more.

Travel booking
  • $100 a year resets every card anniversary
    What counts

    Earn up to $100 in statement credits each account anniversary year for hotel stays purchased through Chase Travel.

Monthly credits to track fewer is less work
1
Transfer partners 14 partners
Partners
14
Alliance reach
Oneworld, SkyTeam, and Star Alliance
Aer Lingus AerClub
1:1
Air Canada Aeroplan
1:1
Air France-KLM Flying Blue
1:1
British Airways Club
1:1
IHG One Rewards
1:1
Iberia Club
1:1
JetBlue TrueBlue
1:1
Marriott Bonvoy
1:1
Singapore Airlines KrisFlyer
1:1
Southwest Rapid Rewards
1:1
United MileagePlus
1:1
Virgin Atlantic Flying Club
1:1
World of Hyatt
4:3
Wyndham Rewards
1:1
Status, lounges and travel No status or lounges
Travel benefits
  • Provides legal and medical referrals and access to other travel and emergency assistance services while traveling.
Protection and insurance 9 coverages
Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.
Trip delay
  • Covers unreimbursed expenses such as meals and lodging up to $500 per covered traveler if common carrier travel is delayed more than 12 hours.
  • Reimburses up to $100 a day for up to 5 days for essential purchases when baggage is delayed over 6 hours.
Baggage
  • Provides reimbursement up to $3,000 per covered traveler for lost, damaged, or stolen checked or carry-on baggage during a covered trip.
Rental car
  • Primary coverage providing reimbursement up to $60,000 for theft and collision damage when declining rental company's collision insurance.
Extended warranty
  • 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.
Purchase protection
  • Covers eligible new purchases for 120 days from date of purchase against damage or theft up to $500 per item.
Emergency evacuation
  • Covers medical services and transportation up to $100,000 for emergency evacuation during a trip 100 miles or more from home.
Travel accident
  • Up to $500,000 in accidental death or dismemberment coverage when paying for air, bus, train, or cruise transportation with card.
Roadside assistance
  • Roadside emergency service dispatch with fees billed to card at time of dispatch.
Other coverage
  • 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.
Lifestyle and other perks 2 perks
Lifestyle and entertainment
  • 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. $120
  • Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $180. $180
Authorized users Free
Cost
Authorized users are free.
Each one 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
Application rules 5/24
Issuer approval rules
  • 5/24 Community-reported
    What counts

    Chase generally declines applicants who have opened 5 or more credit cards from any issuer in the past 24 months.

Bonus eligibility
  • Sapphire 48-month rule Community-reported
    What counts

    You can earn a Sapphire sign-up bonus only once every 48 months.

Card type
Personal