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The Chase Sapphire Preferred® Card has long been one of the most recommended travel credit cards, known for its generous rewards, flexible redemptions, and robust travel protections. With a reasonable annual fee and valuable perks, this card is ideal for frequent travelers looking to maximize their spending power.
If you're a frequent traveler or foodie looking for a rewarding credit card, the Chase Sapphire Preferred® Card is a standout option. With a massive 100,000-point intro bonus, strong point multipliers across popular spending categories, and a modest $95 annual fee, it's no surprise this card is a go-to for anyone aiming to travel smarter for less.
Earn 100,000 bonus points after you spend $5,000 on purchases within the first 3 months from account opening. When redeemed through Chase Travel℠, your points are worth 25% more, turning your bonus into a $1,250 value toward travel.
⚠️ Important eligibility note: You won’t qualify if you’re a current Sapphire cardholder or if you’ve received a Sapphire card welcome bonus within the last 48 months.
The Chase Sapphire Preferred® makes everyday spending incredibly rewarding, especially if you love to travel, dine out, or stream your favorite shows.
Here’s a breakdown of the point multipliers:
Category | Points Earned |
---|---|
Travel through Chase Travel℠ | 5x points |
Dining (includes takeout & eligible delivery) | 3x points |
Online groceries (excluding Walmart®, Target®, etc.) | 3x points |
Select streaming services | 3x points |
All other travel purchases | 2x points |
Everything else | 1x point |
🏨 Note: Hotel bookings through Chase Travel℠ that qualify for the $50 Annual Hotel Credit won’t earn points.
You’ll also get a 10% anniversary bonus on your total purchases each year — if you spent $20,000 in your cardmember year, you’d receive an additional 2,000 bonus points automatically.
With Chase Ultimate Rewards®, you can redeem your points in a variety of ways:
Travel through Chase Travel℠ (25% more value)
Cash back (1 cent per point)
Gift cards
Amazon purchases (0.8 cents per point)
Apple products and more
For maximum value, redeem your points for travel through Chase Travel℠, where 100 points = $1.25 instead of the usual $1.
Enjoy peace of mind with Chase’s robust protections:
Trip Cancellation/Interruption Insurance
Auto Rental Collision Damage Waiver
Lost Luggage Reimbursement
Trip Delay Reimbursement
Purchase Protection & Extended Warranty
Cardholders receive 12+ months of complimentary DashPass (activate by 12/31/2027). DashPass includes:
$0 delivery fees on eligible orders
Reduced service fees
$10 off one non-restaurant order per month
To activate, add your Sapphire Preferred as your default payment on DoorDash or Caviar, and tap the activation button in the app.
Annual Fee: $95
Foreign Transaction Fee: $0 — perfect for international travel!
Hotel Credit: $50 annual credit on hotel bookings made through Chase Travel℠ (automatically applied)
This card is ideal for:
Travelers who want maximum redemption value from their points
Foodies and streaming lovers who spend heavily in bonus categories
Those looking for valuable travel insurance and purchase protections
Anyone who wants to earn points quickly with everyday spending
Feature | Details |
---|---|
Welcome Bonus | 100,000 points after $5,000 spend in 3 months |
Point Multipliers | Up to 5x on travel, 3x dining, streaming, grocery |
Annual Fee | $95 |
Foreign Transaction Fees | $0 |
Hotel Credit | $50 annually via Chase Travel℠ |
Redemption Bonus | 25% more value through Chase Travel℠ |
Bonus Perks | DashPass + $10 monthly non-restaurant savings |
Feature | Chase Sapphire Preferred® Card | Capital One Venture Rewards Credit Card | American Express® Gold Card |
---|---|---|---|
Welcome Bonus | 1000 points ($1250 travel value) | 75,000 miles ($750 travel value) | 60,000 points |
Dining Rewards | 3x | 2x | 4x |
Travel Rewards | 5x on Chase Travel℠, 2x other travel | 5x on hotels, vacation rentals and rental cars booked through Capital One Travel 2x on all other purchases | 3x on flights booked directly at airlines or amextravel.com, 1x on hotels |
Annual Fee | $95 | $95 | $250 |
Travel Protections | Excellent | Moderate | Excellent |
💡 Best for travelers: The Chase Sapphire Preferred® Card is superior for flexible travel redemptions and insurance perks.
✅ Frequent travelers who want premium travel perks without a high annual fee
✅ Foodies and online grocery shoppers looking to maximize dining rewards
✅ People who transfer points to airline and hotel programs for maximum redemption value
✅ Those who want strong travel protections for flights, hotels, and rentals
🚫 Who Should Skip It?
❌ If you already hold a Sapphire card or received a Sapphire bonus in the past 48 months, you’re not eligible.
❌ If you don’t spend much on travel or dining, you may earn better rewards with a flat-rate cash-back card.
The Chase Sapphire Preferred® Card continues to be a top-tier travel rewards card, thanks to its high-value bonus, solid rewards structure, and flexible redemption options.With $1,250 in potential travel value just from the welcome offer, it’s one of the best travel cards on the market—especially for beginners and intermediate point hackers.For just $95 per year, you gain access to lucrative travel benefits, comprehensive protections, and valuable partner perks.
I’ve been using this card for a little over two years now, and it’s been amazing. No issues, and the travel perks make it worth every penny. I’d definitely recommend it to anyone who travels frequently.
The rewards system with this card is top-notch, and the terms are straightforward. I’ve had nothing but good experiences with customer service and how easy it is to track points and benefits.
This card makes earning points effortless. Every purchase helps me build up rewards, and it’s a great feeling to redeem them for travel and dining.
The Sapphire Preferred card offers an amazing way to earn travel points with ease. It’s been a perfect addition to my wallet, and I love how fast I can rack up points!
The Chase Sapphire Preferred is hands down the best travel card I’ve ever owned. It offers amazing benefits, and I’ve never had any issues with it in the three years I've used it.
This card outshines every other card I’ve owned. The travel rewards are outstanding, and earning points on all purchases has been seamless.
Got approved with a 600+ credit score and a $5k limit right away. After 3 years, it's up to $16k. It could be higher, but I've carried some higher balances during tough times. Overall, still a fantastic card!
This card is absolutely iconic! My only wish is that the points per dollar were a bit higher for all purchases. Would also be great if some of the Reserve card benefits were added to this one.
I’ve never had issues with Chase Sapphire before, but be cautious if you go paperless. If you don't check the app regularly, you might miss messages, which could cost you money during a dispute.
The points on this card build up super quickly. It's been a great experience so far!
I rented a car, caused $400+ in damage, and the claim process was a nightmare. They kept finding new reasons not to pay, and after 3 months, I gave up. Not worth the hassle.
Chase cut off my card and online banking without any notice. I had to call them after being declined, and it took four transfers to reach someone who could help. It was a frustrating experience.
This card's sign-up bonus is phenomenal—50,000 points plus another 10,000 for adding an authorized user. That’s worth $500 to $600 for travel. Plus, you continue to earn points on everyday spending.
I got this card for trip cancellation coverage. Had to cancel due to a medical emergency, but 5 months later, I'm still waiting on the claim. Their service is a nightmare.
This was my first credit card, and I couldn’t have chosen a better one. I use it daily, and the customer service is exceptional. Highly recommended!
I’ve trusted this card for almost 3 years, but my first experience with customer support was terrible. A simple e-claim has been unresolved for months.
Great card, and I’ve always had great interactions with Chase’s customer service team.
This is my favorite credit card! The points have allowed me to stay at luxury hotels and get free flights. It’s become my go-to card for business too!
The quality of the card itself is great—really durable and feels premium.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
“Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.”