Chase Bank USA
Chase Sapphire Preferred® Card
A popular U.S. travel rewards credit card with strong Chase Travel rewards, dining rewards, transfer partners, travel protections, and a moderate annual fee.
Highlights
Main benefits
- 5x points on travel booked through Chase Travel℠
- 3x points on dining
- 3x points on online grocery purchases
- 3x points on select streaming services
- 2x points on other travel purchases
- 1x point on other purchases
- $50 annual Chase Travel hotel credit
- 10% anniversary points bonus
- Access to Chase Ultimate Rewards® transfer partners
- No foreign transaction fees
- Useful travel protections
- Moderate $95 annual fee
Fees
Fees and charges
Joining fee
$95 annual fee
Renewal fee
$95 annual fee
Annual fee waiver
No standard annual fee waiver. The card has a $95 annual fee.
Who can apply
Eligibility
Best suited for U.S. applicants with good to excellent credit. Approval depends on Chase’s credit review, income, debt obligations, identity verification, credit history, and other underwriting factors.
Checklist
Documents required
- Government-issued ID
- Social Security Number or ITIN, where applicable
- U.S. residential address
- Income/employment details
- Date of birth
- Contact details
Process
How to apply
1. Visit the official Chase Sapphire Preferred® Card page
2. Review the current welcome offer, APR, annual fee, and reward terms
3. Click “Apply Now” or sign in to apply faster
4. Enter personal, income, and contact details
5. Submit the application and wait for Chase’s decision
Value
Reward and cashback structure
Reward rate
5x total points on travel purchased through Chase Travel℠, excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit;
3x points on dining, including eligible delivery services, takeout, and dining out;
3x points on online grocery purchases, excluding Target, Walmart, and wholesale clubs;
3x points on select streaming services;
2x points on other travel purchases;
1x point on all other purchases;
Chase also lists a 10% anniversary points bonus based on total purchases for the year.
Cashback
Not primarily a cashback card. Rewards are earned as Chase Ultimate Rewards® points, which can be redeemed for travel, cash back, gift cards, statement credits, and transfers to eligible airline and hotel partners.
Good fit
Pros
- Excellent beginner travel rewards card
- Strong value for a $95 annual fee
- Good rewards on travel and dining
- Flexible Chase Ultimate Rewards® points
- Points can be transferred to airline and hotel partners
- No foreign transaction fees
- Useful travel protections compared with many basic cards
- $50 annual hotel credit can reduce effective cost
- Pairs well with Chase Freedom cards
Watchouts
Cons
- Has a $95 annual fee
- No airport lounge access
- Best travel earning rate requires booking through Chase Travel℠
- Only 1x points on general non-bonus purchases
- Online grocery bonus excludes Target, Walmart, and wholesale clubs
- Hotel credit only works through Chase Travel℠
- Requires U.S. credit eligibility
- Not ideal for users who want simple cashback instead of points
Related
Related cards
Compare
Compare Cards
| Field | Chase Sapphire Preferred® Card | Capital One Venture X Rewards Credit Card |
|---|---|---|
| Bank/provider | Chase Bank USA | Capital One |
| Joining fee | $95 annual fee | $395 annual fee |
| Renewal fee | $95 annual fee | $395 annual fee |
| Best for | Travel rewards, Chase Ultimate Rewards® points, dining, hotel bookings, international travel, beginners who want a serious travel card | Frequent travelers, airport lounge access, international travel, simple travel rewards, Capital One Travel bookings, users who want premium benefits with lower effective cost than many luxury travel cards |
| Reward rate |
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| Cashback |
|
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| Lounge access | No Included airport lounge access | Capital One Venture X primary cardholders get access to Capital One Lounges and 1,300+ participating lounges worldwide through Priority Pass after enrollment |
| Fuel surcharge waiver | Not applicable / No specific fuel surcharge waiver | Not applicable / No specific fuel surcharge waiver |
| Welcome benefit | Welcome offer changes over time and may vary by user or channel. A commonly listed recent offer is bonus points after meeting a minimum spend requirement in the first 3 months, so check Chase’s official application page before publishing the exact number | Capital One currently lists 75,000 bonus miles for Venture X, subject to meeting the required spending terms shown during application |
| Annual fee waiver condition |
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| Eligibility |
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| Apply link | Apply Now | Apply Now |
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