Chase Sapphire Preferred
Chase · Reward Points · Reward Points
This comprehensive guide covers the Chase Sapphire Preferred's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The Chase Sapphire Preferred from Chase offers reward points rewards redeemable as reward points. Top earning categories include 5x on travel booked via chase travel and more. Annual fee is $95 (no standard fee waiver).
Best for: Travel, Dining, Grocery, Online Retail
Official product page → Official rules →
Annual fee: $95
Waiver: No standard fee waiver
Waiver: No standard fee waiver
Reward Rules
- 5 pts/$100 5x on travel booked via Chase Travel
- 3 pts/$100 3x on dining & online grocery
- 2 pts/$100 2x on travel
- 1 pts/$100 1x everywhere else
Important Notes
- 5x Chase Travel rate requires booking through the Chase Travel portal.
- Online grocery excludes Target, Walmart, and wholesale clubs.
- Annual $50 hotel credit and anniversary point boost in transaction scoring.
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
Chase Sapphire Preferred vs Similar Cards
- Chase Freedom Flex — Reward Points · $0
- Chase Freedom Unlimited — Reward Points · $0
- Ink Business Preferred Credit Card — Reward Points · $95
Maximize Your Rewards
To earn the highest rewards, use the Chase Sapphire Preferred for its bonus categories: Travel, Dining, Grocery, Online Retail, General Online.