The Sapphire Preferred remains our top pick among travel cards because it pairs a modest $95 annual fee with broad earning: 5 points per dollar on Chase Travel purchases, 3 on dining, gas and EV charging, streaming, and online groceries, and 2 on all other travel. The up to $100 annual hotel credit for stays booked through Chase Travel covers most of the fee on its own if you use it. Chase recently cut the signup bonus from 100,000 to 75,000 points after $5,000 in spending in the first 3 months, though it still tops our list of signup bonuses. The catch is that the 3x grocery rate applies only to online grocery orders, excluding Target, Walmart, and wholesale clubs, and everything outside the bonus categories earns just 1 point per dollar. There is no foreign transaction fee, which makes it a natural first travel card.
Earn rates & credits
| Category | Rate |
|---|---|
Travel (via Portal) All Chase Travel purchases — flights, hotels, rental cars, vacation homes, cruises, activities, and tours | 5x |
Transit On Lyft rides through September 30, 2027 (limited-time promo) Through Sep 30, 2027 | 5x |
Sporting Goods Stores Eligible Peloton equipment and accessory purchases over $150 through December 31, 2027 (limited-time promo) Through Dec 31, 2027 | 5x |
Dining Dining worldwide, including takeout and eligible delivery | 3x |
Gas Gas and EV charging | 3x |
Groceries Online grocery purchases only (excluding Target, Walmart, and wholesale clubs) | 3x |
Streaming | 3x |
Vacation Rentals Vacation homes booked directly with top brands like Airbnb, Vrbo, Plum Guide, HomeAway, Homestay.com, and Vacasa | 3x |
Travel All other travel worldwide | 2x |
Everything Else | 1x |
| Benefit | Value |
|---|---|
Annual Hotel Credit Up to $100 in statement credits each account anniversary year for hotel stays purchased through Chase Travel | $100 /yr |
Global Entry/TSA PreCheck/NEXUS Credit Receive one statement credit of up to $120 every four years as reimbursement for the application fee. | $120 every 4 yr |
Apple TV Membership Get a year of complimentary Apple TV when activated by December 31, 2026. | $156 |
DoorDash DashPass Membership Complimentary DashPass for one year; members get up to $10 each month on groceries, retail, and more, plus $0 delivery fees on eligible orders. | $10 /mo |
| Total annual credits | $250 |
Card details
Regular APR | 19.24%–27.49% variable |
Foreign transaction fee | None |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Chase Sapphire Preferred
Chase Sapphire PreferredBased on 13 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.