Chase Sapphire Preferred® Credit Card
- Annual fee
- $95
- Top rewards rate
- 3%on dining
- Annual credits
- $100see breakdown below
- Welcome bonus
- 100,000 points after $5,000 spend in 3 months
- Point value
- 1.3¢per point
- Foreign transaction fee
- 0%
Earns 3% on dining, so it pays off once your dining spending outweighs the $95 fee.
We may earn a commission if you apply through our links. This never affects rankings. How we make money
Full earn rates: 2% on travel, 3% on dining and 3% on groceries, then 1% on everything else.
Annual Credits
This card currently offers $100 in annual credits. What they're actually worth depends on how you spend, so run your own numbers in the calculator to see which ones you'd capture.
- $100 Chase Travel hotel credit requires enrollment or a specific merchant
Credits are not factored into our rankings. Cards are ordered by rewards earned minus the full annual fee. We show credits separately so you can judge them against your own habits rather than taking an advertised total at face value.
Sign-Up Bonus
after spending $5,000 in the first 3 months
Rewards Breakdown
| Category | Rate | Details |
|---|---|---|
| Travel | 2% | Unlimited |
| Dining | 3% | Unlimited |
| Groceries | 3% | Unlimited |
| Travel if you qualify | 5% | Earns 5% only on travel booked through Chase Travel, Chase's own booking site. Booking direct with an airline or hotel earns 2%. |
| All other purchases | 1% | Unlimited |
| Foreign Transaction Fee | None | Great for international purchases |
What that looks like
Spend $1,000 on dining and you earn 3,000 points, worth about $38 once redeemed. That works out to 3.8% on that spending, not 3%.
Points worth approximately 1.3¢ each based on typical redemption value.
Compare With Similar Cards
See How Much You’d Earn
Enter your monthly spending to see how the Chase Sapphire Preferred Card compares against other cards based on your actual habits.
See Your Estimated RewardsFrequently Asked Questions
What is the annual fee for the Chase Sapphire Preferred Card?
The Chase Sapphire Preferred Card has an annual fee of $95.
What is the sign-up bonus for the Chase Sapphire Preferred Card?
New cardholders can earn 100,000 points after spending $5,000 in the first 3 months.
Does the Chase Sapphire Preferred Card charge foreign transaction fees?
No, the Chase Sapphire Preferred Card does not charge foreign transaction fees.
What categories earn bonus rewards with the Chase Sapphire Preferred Card?
The Chase Sapphire Preferred Card earns 2% on travel, 3% on dining, 3% on groceries. It also advertises 5% through Chase Travel, but that rate applies only when you qualify, so it is excluded from our rankings.
These rankings are estimates based on published card terms. Actual rewards depend on your spending patterns, how you redeem, and whether your purchases qualify for bonus categories. Rates and terms may change, so verify current offers on the issuer’s site.