Chase Sapphire Preferred®: Make Travel More Rewarding

Turn everyday spending into travel opportunities with flexible rewards and benefits designed to add more value to every journey.

Exceptional Point Multiplication

Earn robust rewards with 5x points on travel booked via Chase Travel, 3x points on dining, online groceries, gas stations, EV charging, and vacation rentals (including Airbnb and Vrbo), plus 2x points on all other travel purchases worldwide.

Premium Statement Credits

Effortlessly offset the $95 annual fee with an annual $100 hotel credit for stays booked through Chase Travel, alongside a new $120 Global Entry, TSA PreCheck, or NEXUS application fee credit available every four years.

Top-Tier Travel Protections

Travel confidently with elite coverages usually reserved for ultra-premium cards, including primary auto rental collision damage waiver, trip cancellation and interruption insurance, and a newly added emergency evacuation and transportation benefit of up to $100,000.

Flexible Redemptions and 1:1 Partner Transfers

Value is key, which is why your points are worth 25% more when redeemed for travel through Chase Travel, or you can transfer them at a 1:1 ratio to 14 leading airline and hotel loyalty programs.

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Why the Chase Sapphire Preferred Remains the King of Mid-Tier Travel Cards

In the highly competitive landscape of travel credit cards, the Chase Sapphire Preferred Credit Card has maintained its position as a legendary frontrunner for over a decade. The secret to its enduring popularity lies in a rare balance: it packs the punch of a premium luxury card while keeping its annual fee at a highly accessible $95. With its comprehensive 2026 update, Chase has supercharged the card's earning power, introducing high-value everyday multipliers like 3x points on gas, electric vehicle charging, and vacation home rentals. Whether you are filling up your commuter car, booking a cozy weekend cabin on Airbnb, or dining out at a local bistro, you are actively compiling a massive vault of Chase Ultimate Rewards points.

What is the annual fee for the Chase Sapphire Preferred Credit Card?

The card has an annual fee of $95. Even after the significant 2026 benefits refresh—which introduced new earning categories, a doubled hotel credit, and Global Entry credit—the annual fee remains unchanged at this accessible price point.

What credit score is typically required to get approved?

Applicants generally need good to excellent credit to qualify for this card. This typically translates to a FICO credit score of 670 or higher, alongside a clean credit history and a stable debt-to-income ratio.

Can I transfer my Chase points to partner loyalty programs?

Yes, one of the most powerful features of the Ultimate Rewards program is the ability to transfer points at a 1:1 ratio to 14 leading airline and hotel partners, including United Airlines, Hyatt, and British Airways.

Does the card charge foreign transaction fees when used abroad?

No, the card has $0 foreign transaction fees, making it an exceptional international travel companion for dining, hotels, and everyday purchases outside of your home country.

How does the newly upgraded $100 hotel credit work?

Each account anniversary year, cardmembers automatically receive up to $100 in statement credits for hotel stays booked directly through the Chase Travel portal, with no minimum stay requirements, effectively neutralizing the card's annual fee.

How to Apply and Secure Your Card

Securing your own Chase Sapphire Preferred Credit Card is a straightforward process that can be completed entirely online in just a few minutes. To begin, navigate to the official Chase website or visit a local Chase branch if you prefer in-person assistance. Before applying, it is highly recommended to check your credit score, as this premium card typically requires good to excellent credit, generally defined as a score of 670 or higher. Once you are ready, click the apply button on the secure online application portal. You will be prompted to enter essential personal information, including your full legal name, date of birth, social security number, physical address, and contact details. Additionally, you must provide your total annual gross income and employment status to help Chase evaluate your debt-to-income ratio. After submitting your application, Chase will perform a hard credit inquiry, which might temporarily affect your score.