Chase Sapphire Preferred® Credit Card
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How we calculate effective rate →
The Chase Sapphire Preferred® Credit Card from Chase earns up to 3% effective value on dining in Madeen's catalog snapshot. Its annual fee is $95. New applicants may see: Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening..
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $95
Best for dining-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
What does the Chase Sapphire Preferred Credit Card earn in each category?
Dining is the strongest category at 3% effective value (3x points at about 1 cents each). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Chase Sapphire Preferred Credit Card compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight.
Dining is the strongest category at 3% effective value (3x points at about 1 cents each). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Chase Sapphire Preferred Credit Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3x points | 3% Top category |
| Grocery Supermarkets and grocery stores | 1x points | 1% |
| Gas Gas stations and fuel | 1x points | 1% |
| Travel Flights, hotels, transit | 1x points | 1% |
| Other General everyday spend | 3x points | 3% |
Madeen values Chase Ultimate Rewards at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Chase Sapphire Preferred Credit Card reward caps and conditions?
The Chase Sapphire Preferred Credit Card has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- Earn 3x points on dining, including eligible delivery services, takeout and dining out
- Earn 3x points on select streaming services
Who should get the Chase Sapphire Preferred Credit Card?
The Chase Sapphire Preferred Credit Card fits spenders who put meaningful volume in dining and can earn 3x points. Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
The Chase Sapphire Preferred remains one of the clearest travel-rewards starter cards because the earn rates are easy to explain and the points valuation is well understood. Madeen compares its effective rate against the cards you already carry without bank login.
Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
A common upgrade path for travelers who want flexible points; run it through Madeen against your current wallet first.
Pros
- Strong travel and dining earn rates with a widely used points currency
- Welcome bonus can be meaningful if spend requirements fit your budget
Cons
- Annual fee makes it weaker for low spenders
- Points value depends on how you redeem, not straight cash back
What is the Chase Sapphire Preferred Credit Card welcome bonus?
In Madeen's catalog snapshot, the Chase Sapphire Preferred Credit Card welcome offer is Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 75k Chase Ultimate Rewards (~$750 estimated)
- Terms (catalog snapshot)
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Minimum spend
- $5,000
- Window
- 3Months
Does the Chase Sapphire Preferred Credit Card have an annual fee?
The Chase Sapphire Preferred Credit Card has an annual fee of $95 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $95
- Foreign transaction fee
- None
What benefits come with the Chase Sapphire Preferred Credit Card?
The Chase Sapphire Preferred Credit Card includes $50 Annual Chase Travel Hotel Credit, 1:1 Point Transfer, Additional Value with Ultimate Rewards in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Extended Warranty Protection
$10,000/yrExtends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Purchase Protection
$10,000/yrCovers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Trip Cancellation and Interruption Insurance
$10,000/yrIf your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Additional Value with Ultimate Rewards
$750/yrGet 25% more value when redeemed for travel. For example 60,000 points are worth $750 toward travel when redeemed through Chase Ultimate Rewards®. Plus, ultimate rewards points do not expire as long as the account is open.
Trip Delay Reimbursement
$500/yrIf your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
Baggage Delay Insurance
$300/yrReimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
Related encyclopedia topics
Common questions about the Chase Sapphire Preferred Credit Card
Where do cardholders spend most with the Chase Sapphire Preferred Credit Card?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on music and audio (3x), tv and movies (3x), coffee (3x) for the Chase Sapphire Preferred Credit Card. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Is the Chase Sapphire Preferred credit card worth it?
The Chase Sapphire Preferred® Credit Card from Chase earns up to 3% effective value on dining in Madeen's catalog snapshot. Its annual fee is $95. New applicants may see: Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening..
Does the Chase Sapphire Preferred Credit Card have an annual fee?
The Chase Sapphire Preferred Credit Card carries an annual fee of $95 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Chase Sapphire Preferred Credit Card?
Dining is the strongest Madeen category for the Chase Sapphire Preferred Credit Card at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Chase Sapphire Preferred Credit Card charge foreign transaction fees?
The Chase Sapphire Preferred Credit Card does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the Chase Sapphire Preferred Credit Card welcome bonus?
The Chase Sapphire Preferred Credit Card welcome offer in our snapshot: Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
How does the Chase Sapphire Preferred Credit Card compare to similar cards?
Compare the Chase Sapphire Preferred Credit Card against Aeroplan Card (4.5% on Dining, $95 fee); AARP (3% on Dining, $0 fee); Chase Freedom Flex Credit Card (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Chase Sapphire Preferred Credit Card This card | Dining | 3% | $95 |
| Dining | 4.5% | $95 | |
Chase | Dining | 3% | $0 |
| Dining | 3% | $0 | |
| Dining | 3% | $0 |
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure