LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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Credit card review

Chase Sapphire Preferred Card Review

ChaseVisaTravel

Chase Sapphire Preferred Card earned 4.9 / 5 in our 2026 review. The Chase Sapphire Preferred Card earns 5x on travel via chase with a $95 annual fee, a 60,000 bonus points welcome offer. Here is the full Fintiex review for 2026.

By the Fintiex Card Desk · Updated 2026-04-28
Chase Sapphire Preferred Card credit card
Apply at Chase Compare all cards
TL;DR
Annual fee
$95
Signup bonus
$750
Top reward rate
5x on travel via Chase
Intro APR
None
Issuer
Chase
Network
Visa
Min credit score
690
Fintiex rating
4.9 / 5
Pros
  • +5x points on Chase Travel portal purchases
  • +3x on dining, online groceries, and streaming
  • +No foreign transaction fees
  • +$50 annual hotel credit via Chase Travel
  • +Trip cancellation and interruption insurance
  • +Primary auto rental collision damage waiver
  • +Points transfer to 14 airline and hotel partners at 1:1
Cons
  • -$95 annual fee
  • -5% balance transfer fee
  • -No airport lounge access (upgrade to Reserve for that)
  • -Chase 5/24 rule applies - denied if 5+ cards opened in last 24 months

Rewards detail

travel via Chase
5x
dining
3x
online groceries
3x
streaming
3x
everything else
1x

Fintiex values Chase points at about 1.25 cents each, based on current transfer-partner redemption rates. Your real value will depend on how you redeem.

Rates and fees

Annual fee
$95
Purchase APR
21.49% to 28.49%
Variable, based on prime rate and creditworthiness
Intro APR
Not offered
Balance transfer APR
21.49% to 28.49%
Cash advance APR
29.99%
Balance transfer fee
5%
Or $5 minimum, whichever is greater
Foreign transaction fee
None
Who it's for

The Sapphire Preferred Card is built for people who want a travel card. Most approvals land at FICO 690 and above, but issuers prefer scores near 720. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.

Not sure this is the right fit? See our best travel cards roundup.

Compare with similar cards

Chase
Sapphire Reserve
10x on chase travel portal
$550 fee→
American Express
Platinum Card
5x on flights amex travel
$695 fee→
Capital One
Venture X Rewards Credit Card
10x on hotels capital one travel
$395 fee→
American Express
Gold Card
4x on dining
$325 fee→

Frequently asked questions

Does the Sapphire Preferred Card have a foreign transaction fee?
No. The Chase Sapphire Preferred Card charges no foreign transaction fees, so it works well for travel abroad. You pay the same network exchange rate you would get at home.
What credit score do I need for the Sapphire Preferred Card?
Approvals typically start around a FICO score of 690, but Chase prefers 720 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
How much is the Sapphire Preferred Card signup bonus?
New cardholders earn 60,000 bonus points after spending $4,000 in the first few months. Fintiex values that at about $750 based on current redemption rates. Match the bonus to a real planned purchase so you do not overspend chasing it.
Does the Sapphire Preferred Card have a 0% intro APR offer?
No. The Chase Sapphire Preferred Card does not currently offer a 0% intro APR period. The standard variable purchase APR is 21.49% to 28.49%. If you need a 0% intro card for a big purchase or balance transfer, check our 0% APR picks instead.
How much is the annual fee on the Sapphire Preferred Card?
$95 per year. To break even you need to earn enough rewards and credits to cover that fee. We walk through the math in the rewards detail section above.
Is the Sapphire Preferred Card worth it?
Fintiex rates the Chase Sapphire Preferred Card 4.9 out of 5 for 2026. It is best for travel. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.

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