Chase Sapphire Preferred Card vs Fold
Compare the Chase Sapphire Preferred Card ($95/yr) against the Fold ($0/yr) to see which card earns you more rewards based on your spending.
See how the Chase Sapphire Preferred Card and Fold stack up across annual fees, reward rates, and key benefits. Use the calculator below to find which card maximizes your rewards based on your actual spending.
| Feature | Chase Sapphire Preferred Card | Fold |
|---|---|---|
| Annual Fee | $95 | $0 |
| Sign-Up Bonus | 75,000 points after $5,000 spend in 3 months | None |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.0% | 3.5% |
| Travel Rewards | 5% | 3.5% |
| Dining Rewards | 3% | 3.5% |
| Grocery Rewards | 3% | 3.5% |
| Key Benefits | 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel. | Up to 3.5% bitcoin back on all purchases. |
| Issuer | Chase | Sutton Bank |
Quick Summary
The Chase Sapphire Preferred Card has a $95 annual fee ($95/year more than Fold).
Fold has a higher base reward rate (3.5% vs 1.0%).
Which Card is Better for Your Spending?
Enter your typical monthly spending to see which card earns you more rewards.
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