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Chase Sapphire Preferred® $100 Hotel Credit: The Complete 2026 Guide
September 27, 2026
The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
The Chase Sapphire Preferred® up to $100 annual hotel credit is subject to terms and conditions set by Chase. Credit applies only to hotel bookings made through Chase Travel℠, resets on your card anniversary date, and expires if unused. Bookings through Chase Travel may not earn hotel loyalty points or elite benefits. Terms are subject to change. For complete details, visit chase.com or review your Cardmember Agreement.
The Chase Sapphire Preferred® Card's up to $100 annual hotel credit is one of the most underrated perks in travel rewards, and one of the most commonly missed. Used correctly, it can nearly offset the card's entire annual fee before you earn a single point. Calculation formulated by Kudos, based on the $100 maximum credit against the card's $95 annual fee. But there are a few easy-to-miss rules that can cost you the credit entirely if you're not careful.
This guide covers exactly how the credit works, how to claim it step by step, and the smartest ways to use it in 2026.
What's New in 2026
Chase doubled the Sapphire Preferred® Card's hotel credit in 2026, and the landscape around it has changed too:
- The hotel credit doubled from $50 to up to $100 in statement credits each account anniversary year, making it one of the most valuable annual credits on a $95-annual-fee card.
- Chase Travel℠ now features "The Edit" collection, a curated set of premium hotels where points can be worth up to 1.5 cents each through Points Boost. This gives you a new way to layer point redemptions on top of your $100 credit.
- Chase updated its Sapphire bonus eligibility rules in January 2026, meaning more cardholders may now qualify to hold both the Preferred and the Reserve, giving you access to both cards' hotel credits simultaneously.
- The card also picked up a new Global Entry, TSA PreCheck, or NEXUS credit of up to $120 every four years, plus 3x points on gas and EV charging and on certain vacation home rental bookings, separate from the hotel credit.
- The annual fee remains the same, making the $100 hotel credit even more impactful as a fee offset.
These updates make it more important than ever to understand exactly how to use and stack this benefit.
How the $100 Hotel Credit Works
Each cardmember year, Chase Sapphire Preferred® cardholders receive up to $100 back as a statement credit on hotel stays booked through Chase Travel℠.
Here's what that means in practice:
- It's automatic. No enrollment or activation needed. The credit applies to the first $100 in eligible hotel charges each cardmember year.
- It resets on your account anniversary, not January 1. If you opened your card in June, your credit resets each June. Don't wait until December to use it.
- It posts within a few days to 1 to 2 billing cycles after your eligible charge posts to the account.
- There's no minimum stay or minimum spend requirement. A $60 one-night stay qualifies just as much as a $500 resort booking.
⚠️ Important: The $100 in hotel purchases that trigger the credit do not earn Chase Ultimate Rewards® points. You'll receive the statement credit, but that portion of your spend is excluded from point earning.
Before booking through Chase Travel℠, compare prices with the hotel's direct website and other booking platforms. Sometimes you'll find the same rate, but booking direct might earn you hotel loyalty points or elite benefits.
Chase Sapphire Preferred vs. Reserve: Hotel Credit Comparison
Wondering how this stacks up against the Chase Sapphire Reserve®? Here's a quick side-by-side:
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Points are not earned until after the first $300 is spent annually on travel purchases. The first $300 goes toward the $300 Annual Travel Credit.
For most travelers, the Sapphire Preferred's up to $100 hotel credit now fully offsets, and can even exceed, its $95 annual fee. Calculation formulated by Kudos, based on the $100 maximum credit against the card's $95 annual fee.
How to Claim Your $100 Hotel Credit: Step-by-Step
- Log in to your Chase account at chase.com or via the Chase Mobile® app.
- Navigate to Chase Travel℠. On desktop, select "Travel" from the top navigation. On mobile, tap "Benefits & Travel," then "Book Travel."
- Confirm your Sapphire Preferred is the selected card using the dropdown in the top corner of the portal.
- Search for hotels by entering your destination, check-in/check-out dates, and number of guests.
- Select and book your hotel. Any hotel in the portal qualifies, from budget properties to luxury resorts.
- Pay with your Chase Sapphire Preferred® Card. This step is critical. If you pay with a different card, the credit won't apply.
- If using points + cash: Make sure the cash portion of your booking is at least $100. If you redeem points for your entire stay, the credit will not trigger. It only applies to cash charges.
- Check your statement. The $100 credit typically posts within a few days, though Chase's official timeline is 1 to 2 billing cycles.
4 Smart Ways to Maximize the $100 Credit
1. Book a boutique or independent hotel: When you book through Chase Travel℠, it's treated as a third-party reservation. That means major chains like Marriott, Hyatt, and Hilton typically won't credit you loyalty points or honor elite status perks. To avoid leaving hotel points on the table, use your credit at an independent or boutique property where you have no loyalty account to protect.
2. Use it for a one-night layover or road trip stay: You don't need a multi-night stay to unlock the full $100. A single qualifying overnight covers the entire credit. This is a great way to use it before your anniversary if you haven't traveled much that year.
3. Stack it with a low base rate: The lower your total bill, the larger a percentage the $100 covers. A $150 one-night stay where you get $100 back means you're only paying $50 out of pocket, a 67% discount. Calculation formulated by Kudos, based on the $100 credit divided by the $150 stay total.
4. Try The Edit by Chase Travel℠: Chase's curated hotel collection lets Sapphire Preferred cardholders redeem points at up to 1.5 cents per point through Points Boost on select properties. Book an Edit property, apply your up to $100 hotel credit to the cash portion, and use boosted points for the rest, a powerful combination.
Common Mistakes to Avoid
- Paying entirely with points. Points-only bookings don't trigger the statement credit. Always leave at least $100 as a cash charge.
- Booking directly with the hotel. The credit only applies to Chase Travel℠ bookings. Booking on Marriott.com or calling the hotel directly won't qualify.
- Waiting until December. The credit runs on your cardmember anniversary year, not the calendar year. If you opened your card in March, your credit expires in March, not December 31.
- Assuming your loyalty benefits will still apply. Most hotel loyalty programs treat OTA bookings (including Chase Travel℠) as ineligible for points or elite perks. Know this going in and plan accordingly.
- Not checking if Chase Travel℠ has the best rate. The up to $100 credit is valuable, but not if Chase's portal price is significantly higher than booking direct. Always compare before booking.
Frequently Asked Questions
Does the Chase Sapphire Preferred up to $100 hotel credit apply to all hotels?
It applies to any hotel booked through Chase Travel℠, with no restriction on brand, property type, or location. However, it does not apply to hotel bookings made outside the Chase Travel portal, including direct bookings or other OTAs.
Does the $100 hotel credit reset every January?
No. The credit resets on your card anniversary date, not January 1. For example, if you opened your card in August, your credit resets each August.
Can I use the credit if I pay with Chase points?
Only partially. The up to $100 credit applies to the cash portion of your booking. If you pay entirely with points, the credit will not apply. Make sure at least $100 of your booking is charged as a cash transaction.
Will I earn hotel loyalty points when using the Chase Travel hotel credit?
Most hotel loyalty programs (Hyatt, Marriott, Hilton, IHG, etc.) treat Chase Travel℠ as a third-party booking, which means you typically won't earn hotel loyalty points or elite night credits, and your elite benefits (like room upgrades) may not be honored. To maximize loyalty value, use the credit at an independent hotel instead.
Does the $100 hotel credit earn Chase Ultimate Rewards® points?
No. The first $100 of your hotel booking that triggers the credit is excluded from point earning. Any amount above $100 earns the standard 5x points on travel purchased through Chase Travel℠.
Does the Chase Sapphire Preferred® Card also offer a Global Entry or TSA PreCheck credit?
Yes. Separately from the hotel credit, the card includes a statement credit of up to $120 every four years as reimbursement for your Global Entry, TSA PreCheck, or NEXUS application fee.
Is the Chase Sapphire Preferred® Card Worth It?
The up to $100 annual hotel credit is one of several benefits that make the Chase Sapphire Preferred® Card punch well above its annual fee, alongside newer perks like the Global Entry, TSA PreCheck, or NEXUS credit. Combined with other benefits, most cardholders come out significantly ahead of the annual cost.
Use Kudos to track your remaining hotel credit balance, compare which card earns the most at checkout, and make sure you're never leaving rewards on the table.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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