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Review · Terms verified 2026-10-22
Chase Sapphire Preferred review
Verified Oct 22, 2026The classic travel-rewards card: transferable points, strong travel multipliers, and annual credits offsetting the $95 fee.
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Unpack Money score: 88/100
The Sapphire Preferred remains the default recommendation in travel cards: a 75,000-point welcome bonus after $5,000 in 3 months, transferable Ultimate Rewards points, 5X on Chase Travel and 3X on dining — for a $95 annual fee with no foreign transaction fees.
What keeps it on top isn't any single feature, it's the absence of traps. The $100 annual Chase Travel hotel credit is easy to use, the points transfer to a deep bench of airline and hotel partners, and the fee is low enough that moderate travelers come out ahead. Against the Reserve's $795, this is the card for people who travel several times a year rather than monthly.
It won't impress lounge rats (no lounge access) and the 3X dining rate now trails the Amex Gold's 4X. But as an all-rounder that most travelers will actually profit from, it's the safest pick on this page.
What we like
- 75,000-point welcome bonus
- No foreign transaction fees
- $100 hotel credit + $120 Global Entry credit
Watch out for
- $95 annual fee
- No intro APR
- High APR range if you carry a balance
FAQs
What rewards does it earn?
What is the annual fee?
What is the current welcome offer?
Sources
Every term on this page was verified against the provider's official website on 2026-10-22. We never use aggregator sites as sources.