Chase
Chase Sapphire Preferred Benefits, Credits & Annual Fee
$95 / yr · Earns Ultimate Rewards
The Chase Sapphire Preferred is a $95 per year travel rewards card for people who dine out and travel regularly. It earns flexible points transferable to airlines and hotels, and works well for those who want solid everyday rewards without a steep annual fee.
- 5xRideshare
- 3xGas
- 3xDining
- $120DoorDash DashPass
- $120Global Entry
$250/yr in credits · $95 annual fee
Maintained by Creddy Editorial · Catalog checked Oct 9, 2026
Chase Sapphire Preferred at a Glance: $95 Annual Fee, Issuer and Rewards
- Annual fee:
- $95 / yr
- Issuer:
- Chase
- Rewards:
- Ultimate Rewards
- Credits:
- 3 recurring, up to $250 a year
Chase Sapphire Preferred Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Rideshare | 5x | |
| Dining | 3x | |
| Streaming | 3x | |
| Gas | 3x | |
| Travel general | 2x | |
| Everything else | 1x |
Who Should Get the Chase Sapphire Preferred?
The Chase Sapphire Preferred fits people who spend most on rideshare (5x) and dining (3x). Its $95 annual fee makes sense if the $250 a year in credits Creddy lists, plus what you earn, covers it with credits you would use anyway.
Is the Chase Sapphire Preferred Worth It With a $95 Annual Fee?
The Chase Sapphire Preferred costs $95 a year. Creddy lists 3 trackable credits worth up to $250 a year if you use every one, $155 more than the fee. You break even once you use about 38% of that credit value, so count only the credits you would use anyway.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
Chase Sapphire Preferred Welcome Bonus
75,000 Ultimate Rewards points
Offer history
- Usual
- 75K points
- Highest seen
- 100K points
Gaps are offers with mixed rewards or no record.
Tracked since Oct 2024
Chase Sapphire Preferred Statement Credits and When They Reset
- Annual Hotel Credit via Chase Travel$100 / yrTrackable
Get up to $100 back each account anniversary year for hotels booked through Chase Travel and paid with your card. Credits apply automatically. The credited purchases do not earn points.
Resets: Card anniversaryChecked Sep 9, 2026 - DoorDash Monthly Non-Restaurant Credit$10 / moTrackableEnrollment required
Get a $10 promo each month, up to $120 a year, toward DoorDash orders for groceries, retail and more. You need an active DashPass membership. The promo applies to non-restaurant orders only.
Resets: MonthlyChecked Oct 9, 2026 - Global Entry / TSA PreCheck / NEXUS Application Fee Credit$120 / 4yrTrackable
Receive one statement credit of up to $120 every four years as reimbursement for a Global Entry, TSA PreCheck, or NEXUS application fee charged to your Chase Sapphire Preferred card by you or an authorized user. Only fees charged directly with DHS, eligible partners on ttp.cbp.dhs.gov, or authorized enrollment providers on tsa.gov/precheck qualify. Third-party application assistance services do not qualify. Account must be open and not in default at fulfillment.
Checked Oct 9, 2026
Chase Sapphire Preferred Travel Benefits
Travel Benefits
- 1:1 Point Transfer to Travel Partners
Move your Ultimate Rewards points to airline and hotel loyalty programs at a 1:1 ratio - 1,000 Chase points becomes 1,000 partner miles or points. Transfers are instant with most partners and are generally non-reversible, so confirm your redemption before initiating.
Checked May 20, 2026
Rental Car
- Rental Car Collision and Theft Coverage
Decline the rental company's collision insurance and charge the full rental cost to your card to activate primary coverage against collision damage and theft worldwide. Primary coverage means it pays out before your personal auto insurance, with no out-of-pocket gap in most cases.
Checked May 20, 2026 - Auto Rental Collision Damage Waiver
Get primary coverage for theft and collision damage to most rental vehicles. Decline the rental company's collision insurance and charge the entire rental cost to your card. Reimbursement is limited to $60,000, and the vehicle must generally have an MSRP of $125,000 or less.
Checked Sep 27, 2026
Travel Insurance
- Trip Delay Reimbursement
When a common carrier delay exceeds 12 hours or forces an overnight stay, you can claim up to $500 per ticket for out-of-pocket costs like meals and lodging. Coverage extends to you and family members traveling with you. Charge the original fare to your card to be eligible.
Checked Sep 26, 2026 - Lost Luggage Reimbursement
Covers repair or replacement of checked and carry-on bags and their contents if lost or damaged by a common carrier, up to $3,000 per person per trip. Electronics, jewelry, and cameras are each capped at $500. Charge your fare to your card to qualify.
Checked Oct 7, 2026 - Roadside Assistance
Get help dispatched when you have a roadside emergency. Call the roadside assistance service to request the help you need. Roadside service fees are charged to your card at the time of dispatch.
Checked Sep 26, 2026 - Travel Accident Insurance
Get up to $500,000 in accidental death or dismemberment coverage when traveling on a common carrier such as a plane, train, bus, or cruise ship. Pay for the fare with your card to activate coverage for yourself and eligible family members on the trip.
Checked Sep 26, 2026 - Trip Cancellation / Trip Interruption Insurance
If your trip is canceled or cut short due to a covered reason such as illness or severe weather, you can be reimbursed for non-refundable, prepaid expenses up to $10,000 per person and $20,000 per trip. Charge your travel to your card to qualify.
Checked Sep 26, 2026 - Baggage Delay Insurance
If a common carrier delays your checked bags by more than six hours, you can be reimbursed for essential purchases like toiletries and clothing - up to $100 per day for as many as five days. Charge your travel fare to your card to be eligible.
Checked Sep 26, 2026 - Emergency Evacuation and Transportation
If you or a covered traveler are injured or become sick during a trip 100 miles or more from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.
Checked Sep 26, 2026
More Chase Sapphire Preferred Card Benefits
Bonus Earnings
- 3x Points on Dining, Streaming, and Online Groceries3x points
Earn 3 Ultimate Rewards points per $1 spent on dining. Covers restaurant meals, takeout orders, and eligible food delivery services. No cap on how much you can earn in this category.
Checked Sep 27, 2026 - 3X Points on Gas Stations, EV Charging, and Vacation Homes3x points
Earn 3 Ultimate Rewards points per $1 on gas stations, electric vehicle charging, and vacation homes at select top brands. Chase marks this as a new Sapphire Preferred earning category. Brand lists and exclusions are on chase.com/RewardsCategoryFAQs.
Checked Sep 30, 2026 - 5X Points on Travel Booked Through Chase Travel5x points
Earn 5 Ultimate Rewards points per dollar on flights, hotels, car rentals, and other travel booked through Chase Travel. Note that the $50 annual hotel credit purchases are excluded from this rate. Travel booked outside the portal earns 2x points instead.
Checked Sep 26, 2026 - Points Boost on Travel Redemptions via Chase
On select bookings through Chase Travel, your points can be worth up to 1.5 cents each via the Points Boost program, or up to 1.75 cents on certain premium cabin flights. Bookings that aren't eligible for Points Boost redeem at the standard 1 cent per point.
Checked May 20, 2026 - 10% Anniversary Point Bonus
On each account anniversary, Chase automatically awards bonus points equal to 10% of the points you earned from purchases during the prior year. For example, $25,000 in spending yields an extra 2,500 bonus points - no action required on your part.
Checked May 20, 2026 - 2x Points on All Other Travel2x points
Earn 2 points per dollar on travel purchases made outside Chase Travel - covering a wide range of spending including flights, hotels, trains, taxis, tolls, and more booked directly. When you book through the Chase Travel portal, the 5x rate applies instead.
Checked Sep 27, 2026 - 5x Points on Peloton Equipment and Accessories5x pointsMin charge $150
Earn 5 Ultimate Rewards points per $1 on eligible Peloton equipment and accessory purchases. Your order must total more than $150 to qualify for the bonus rate. This offer runs through December 31, 2027.
Checked Sep 30, 2026 - 5x Points on Lyft Rides5x points
Earn 5 Ultimate Rewards points per $1 on Lyft rides when you pay with your Sapphire Preferred card. No minimum ride cost is required to earn the bonus rate. This offer is valid through September 30, 2027.
Checked Sep 26, 2026 - 3X Points on Select Streaming Services3x points
Earn 3 Ultimate Rewards points per $1 on select streaming service subscriptions. Not all streaming platforms qualify, so check the Chase list of eligible services before assuming a subscription counts.
Checked Sep 30, 2026 - Refer-a-Friend Bonus Points100,000 pts / yr
Earn 15,000 bonus points for each friend you refer who is approved for a participating Chase Sapphire card. You can earn up to 100,000 bonus points per year this way. Share your referral link through the Chase app or website to get credit.
Checked May 20, 2026 - 1x Points on All Other Purchases1x points
Earn 1 Ultimate Rewards point per $1 on every purchase that doesn't fall into a bonus category. This is the baseline earning rate and applies automatically with no cap.
Checked Sep 27, 2026
Dining Benefits
- DoorDash DashPass$120 / yrEnrollment required
Get 12 months of DashPass, a $120 value, with $0 delivery fees and reduced service fees on eligible DoorDash orders. Activate your membership by December 31, 2029. Fee savings apply only to eligible orders.
Checked Oct 9, 2026
Purchase Protection
- Purchase Protection
New purchases are protected against damage or theft for 120 days from the purchase date. You can be reimbursed up to $500 per claim, with a total limit of $50,000 per account. Pay with your card and file a claim if something goes wrong within that window.
Checked Oct 7, 2026 - Chase Credit Journey Identity Theft Expense Coverage
Get coverage for certain expenses if identity theft occurs. Check your Chase Credit Journey coverage terms and submit a claim for qualifying costs. Not every identity theft expense is covered.
Checked Sep 26, 2026 - Extended Warranty Protection
Adds one additional year of coverage to eligible U.S. manufacturer's warranties of three years or less. Just pay for the item with your card - no separate registration is required. Warranties longer than three years and purchases made outside the U.S. do not qualify.
Checked Sep 26, 2026
Concierge & Membership
- Travel Assistance
While traveling, you can access 24/7 assistance for legal and medical referrals or other emergency support. Referrals are provided at no charge, though any services you actually use are billed to you directly.
Checked Sep 26, 2026 - Chase Credit Journey Identity Monitoring
Get alerts if identity monitoring finds your information on the dark web or in a data breach. Enroll in identity monitoring through Chase Credit Journey to receive alerts. Alerts depend on what the monitoring service detects and require enrollment.
Checked Sep 26, 2026 - Chase Credit Journey Identity Theft Concierge
Get a direct line to identity theft assistance with someone assigned to help you. Contact the Chase Credit Journey identity theft concierge if you need support with an identity theft issue. Assistance is available around the clock.
Checked Sep 26, 2026 - Chase Credit Journey Lost Wallet Assistance
Get help when you lose credit cards, an ID, or other important documents. Contact Chase Credit Journey lost wallet assistance for support after discovering an item is missing. Help is available no matter where you are in the world.
Checked Sep 26, 2026
Entertainment
- Complimentary Apple TV$180TrackableEnrollment required
Get a year of Apple TV at no cost, a $180 value. Activate it by December 31, 2026 to claim the free year. You won't get the benefit if you miss that deadline.
Checked Oct 9, 2026
Fees & Miscellaneous
- No Foreign Transaction Fees
Purchases made in foreign currencies or processed outside the U.S. carry no added transaction fees. Use your card abroad or on international websites without paying the typical 2-3% surcharge charged by many other cards.
Checked May 20, 2026 - Points Do Not Expire While Account Remains Open
Keep your points without an expiration date while your account remains open. Leave them in your rewards account until you are ready to redeem. You can immediately lose all points if your account status changes or your account is closed for misuse, fraud, or other reasons in the rewards terms.
Checked Sep 26, 2026 - Flexible Points Redemption
Use your points for available rewards such as cash, gift cards, travel, or eligible products and services. Sign in to your rewards account to see and select redemption options. Available choices include offerings through the rewards program and participating third parties.
Checked Sep 26, 2026
Chase Sapphire Preferred vs Other Chase Cards
- Aer Lingus$95 / yr
- British Airways Signature$95 / yr
- Iberia Signature$95 / yr
- Marriott Bonvoy Boundless$95 / yr
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Chase Sapphire Preferred FAQs
Is the Chase Sapphire Preferred worth the annual fee?
Compare Chase Sapphire Preferred's current annual fee with rewards and benefits you would actually use. Count credits at what they save you after eligibility, enrollment and extra spending costs, then compare the result with lower-fee alternatives. Include interest and other charges if you carry a balance.
Which benefits does Creddy list for Chase Sapphire Preferred?
Creddy's September 26, 2026 catalog lists DoorDash Monthly Non-Restaurant Credit, Annual Hotel Credit via Chase Travel, Global Entry / TSA PreCheck / NEXUS Application Fee Credit, Complimentary Apple TV for Chase Sapphire Preferred. Review the benefits and earning-rate tables for the conditions; confirm current coverage, enrollment and restrictions with Chase. This is a dated catalog summary, not certification that every listed benefit is currently available on your account.
What is the annual fee for the Chase Sapphire Preferred?
Creddy's catalog lists a $95 annual fee for Chase Sapphire Preferred as checked on September 26, 2026. Confirm current pricing and any additional-card fees with Chase before applying or renewing.
Does the Chase Sapphire Preferred come with a welcome bonus?
Welcome offers for Chase Sapphire Preferred can change and may depend on your application or account history. Check Chase's current offer for the bonus amount, eligible spending, deadline and exclusions; a catalog entry does not guarantee an offer or your eligibility.
Who should get the Chase Sapphire Preferred?
Chase Sapphire Preferred may fit someone whose normal spending matches its eligible earning categories and who can use the benefits shown above. Compare the current fee, purchase restrictions and realistic redemption value with other cards before applying.
How does the Chase Sapphire Preferred compare to other Chase cards?
Compare Chase Sapphire Preferred with other Chase cards using annual fees, eligible earning rates and the benefits you would use. The card tables and issuer catalog help you compare conditions; headline multipliers alone do not establish the better card.