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Chase Sapphire Preferred® Card Review: A Premium Travel Companion
September 27, 2026
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The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
What Is the Chase Sapphire Preferred® Card?
The Chase Sapphire Preferred® Card stands as one of the most popular travel rewards credit cards, offering a compelling mix of benefits for frequent travelers and dining enthusiasts. This chip-enabled card has earned its reputation through a robust rewards structure and comprehensive travel protections.
New cardmembers can earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Welcome offers change over time, so confirm the current bonus at chase.com before applying. For travelers looking to fund their next trip or anyone wanting to maximize their credit card rewards in 2026, this offer demands immediate attention.
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Chase Sapphire Preferred® Card Pros & Cons
Pros:
- 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- 5x points on travel purchased through Chase Travel℠, and 2x points on all other travel
- 3x points on dining worldwide, including takeout and eligible delivery services
- 3x points on select streaming services and online grocery purchases (excluding Target, Walmart, and wholesale clubs)
- 3x points on gas and EV charging, and on vacation home rentals booked directly with select partners like Airbnb and Vrbo (5x if booked through Chase Travel℠ instead)
- 5x points on Lyft rides, bikes, scooters, and subscriptions through September 30, 2027, and on eligible Peloton purchases over $150 through December 31, 2027 (up to 25,000 points)
- Valuable travel and purchase protection benefits
- Up to $100 annual Chase Travel hotel credit
- Global Entry, TSA PreCheck, or NEXUS credit of up to $120 every four years
- DoorDash DashPass membership
- Complimentary one-year Apple TV subscription if activated by December 31, 2026 (terms apply)
- No foreign transaction fees
- Points transfer to frequent travel programs (note: as of October 1, 2026, points transfer to World of Hyatt at a 4:3 ratio rather than 1:1)
Cons:
- $95 annual fee
- Best value requires strategic redemption
- Travel insurance requires booking through Chase
- Requires a credit score of 670 or higher
Kudos credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Who Is the Chase Sapphire Preferred® Card For?
The Chase Sapphire Preferred® Card is ideal for travelers who want premium benefits without a premium annual fee. It's particularly suitable for:
- Frequent travelers who book through Chase Travel
- Dining enthusiasts who enjoy restaurants and delivery services
- Those who value travel insurance and purchase protection
- People looking to maximize rewards through point transfers
- Individuals with good to excellent creditworthiness
Comparing the Chase Sapphire Preferred® With Other Credit Cards
When considering the Chase Sapphire Preferred®, it's helpful to compare it with other popular options in the mid-tier travel card category:
Capital One Venture Rewards Credit Card
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Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level vary by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Key Takeaways:
- Chase Sapphire Preferred® Card offers versatile travel rewards
- Capital One Venture provides simple, flat-rate miles earning
- American Express® Gold Card features strong dining and groceries rewards
Consider Using Kudos
While the Chase Sapphire Preferred® Card offers excellent benefits, maximizing your rewards can be complex. That's where Kudos comes in. This free AI-powered browser extension helps ensure you're always using the right card for every purchase, potentially multiplying your rewards up to 5X during special events.
If you're looking to get more out of your credit cards, Kudos is the best free shopping app to use when you shop online. They're currently offering $20 back after your first eligible purchase — just sign-up for free with code "GET20" and make a purchase at a Boost merchant.
Our Expert Takeaway
The Chase Sapphire Preferred® Card remains a standout choice in the travel rewards space. With its comprehensive travel and purchase protection, flexible redemption options through Chase Ultimate Rewards®, and valuable partnership benefits, it provides excellent value despite its modest annual fee.
Chase Sapphire Preferred® Card FAQ
Do Chase Sapphire Preferred® points expire?
No, your points don't expire as long as your account remains open and in good standing.
Can I use digital wallet services with this card?
Yes, the card is compatible with major digital wallet platforms for convenient and secure payments.
What credit score do I need for the Chase Sapphire Preferred®?
Generally, a credit score of 670 or higher is recommended for approval.
Kudos credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
How do I redeem my points for the best value?
Points are worth 25% more when redeemed for travel through Chase Travel℠, and up to 1.5 cents each with Points Boost on select rotating hotel and flight offers.
Does the Chase Sapphire Preferred® Card 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.
What travel protection benefits are included?
The card includes trip cancellation/interruption insurance, auto rental collision damage waiver, trip delay reimbursement, baggage delay insurance, travel accident insurance, Emergency Evacuation and Transportation coverage of up to $100,000, and travel and emergency assistance services.
Can I combine points with other Chase cards?
Yes, you can combine points from other eligible Chase credit card accounts through the Ultimate Rewards® program.
How does the up to $100 annual Chase Travel hotel credit work?
The credit is automatically applied to hotel stays purchased through Chase Travel℠, effectively reducing your annual fee value.
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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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