Chase Sapphire Preferred Card review

The Chase Sapphire Preferred Card keeps its $95 annual fee while widening the categories that earn extra points: Chase lists 5x on Chase Travel, 3x on dining, gas stations, EV charging, vacation homes at top brands, select streaming and online grocery, 2x on other travel and 1x elsewhere. The main reason to pick it over a flat-rate card is the transfer list. Chase's benefits page names 10 airline programs, including United MileagePlus, Southwest Rapid Rewards, British Airways Executive Club and Air Canada Aeroplan, plus IHG, Marriott Bonvoy, World of Hyatt and Wyndham, with most transfers at 1:1. Hyatt transfers now run at 4:3. Ongoing credits are modest but easy to use: up to $100 a year on Chase Travel hotel bookings and a Global Entry, TSA PreCheck or NEXUS fee credit of up to $120 every four years. Primary rental car coverage up to $60,000 and no foreign transaction fees round out the travel side. There is no lounge access at this fee level.

Who it is for

First-time travel card holders who want transfer partners

Price

$95 annual fee; 75,000 bonus points after $5,000 in purchases in the first 3 months.

Apply as a guest $95 annual fee † | 19.49%–27.74% variable APR.
Quoted from the vendor pricing page on November 12, 2026.

Key features

• 5x points on Chase Travel purchases, 2x on other travel and 1x on everything else
• 3x points on dining, gas stations, EV charging, select streaming and online grocery
• Up to $100 a year in statement credits for hotels booked through Chase Travel
• Points transfer 1:1 to most of 10 airline and 4 hotel partners, including United MileagePlus and Southwest Rapid Rewards
• Up to $120 credit every four years for Global Entry, TSA PreCheck or NEXUS

Strengths and weaknesses

• Strength: No foreign transaction fees
• Strength: Primary rental car coverage up to $60,000 for most rental vehicles
• Strength: Complimentary DashPass for 12 months when activated by December 31, 2029
• Weakness: No airport lounge access
• Weakness: Points move to World of Hyatt at 4:3 rather than 1:1
• Weakness: Bonus is unavailable if you already hold the card or recently earned its bonus

Key facts

• Annual fee: $95
• Welcome bonus: 75,000 points after $5,000 in 3 months
• Transfer partners: 10 airlines, 4 hotels
• Foreign transaction fee: None

Where it ranks

Chase Sapphire Preferred Card is No. 2 in our Best Travel Credit Cards verdict.