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 100,000 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. Travel perks may add value beyond the earn rate.
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 | 3x points | 3% |
| 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 3 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
- Earn 3x points on gas stations and EV charging
- Earn 3x points on top 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. Travel perks may add value beyond the earn rate.
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. Travel perks may add value beyond the earn rate.
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 100,000 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
- 100k Chase Ultimate Rewards (~$1000 estimated)
- Terms (catalog snapshot)
- Earn 100,000 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 travel perks does the Chase Sapphire Preferred Credit Card include?
The Chase Sapphire Preferred Credit Card includes Trusted traveler credit, $100 Chase Travel Hotel Credit, Apple TV Benefits, Auto Rental Coverage in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Trusted traveler credit
Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card.
What benefits come with the Chase Sapphire Preferred Credit Card?
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.
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.
Roadside Assistance
$50/yrIf you have a roadside emergency, call the service provider to dispatch the help you need. Roadside service fees will be billed to your card at time of dispat
Auto Rental Coverage
$25/yrDecline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.
Emergency Evacuation and Transportation
$25/yrIf 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.
Global Entry Statement Credit
$25/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.
Travel and Emergency Assistance Services
$10/yrIf you run into a problem while traveling away from home, this benefit provides legal and medical referrals and access to other travel and emergency assistance services. (You will be responsible for the cost of any goods or services obtained.)
Golf Benefits from Troon Rewards®
$10/yrEnjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Roadside Dispatch®
$10/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.
Stay connected in over 175 countries
$10/yrEligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
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 100,000 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 100,000 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 Unlimited 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 |
Chase | 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