 |
Chase Sapphire Preferred offers travel rewards, dining and gas points, a hotel credit, travel protections and a Global Entry, TSA PreCheck or NEXUS fee credit. |
Chase Sapphire Preferred Card Overview
The Chase Sapphire Preferred is part of Chase’s Ultimate Rewards credit-card program. The card combines travel rewards with bonus categories covering dining, gas, electric-vehicle charging, streaming and online grocery purchases.
| Feature | Current details |
|---|---|
| Annual fee | $95 |
| New cardmember offer | 75,000 points after $5,000 in purchases in the first 3 months |
| Chase Travel purchases | 5x points |
| Other travel | 2x points |
| Dining | 3x points |
| Gas and EV charging | 3x points |
| Vacation homes at eligible brands | 3x points |
| Select streaming | 3x points |
| Online groceries | 3x points |
| Other purchases | 1x point |
| Foreign transaction fees | None |
The current public offer and pricing are listed by Chase on its card page. Eligibility for the new-cardmember offer can depend on previous Sapphire ownership, previous bonuses and other Chase application criteria.
2026 Changes to the Sapphire Preferred
Chase announced several changes effective June 15, 2026. The annual fee remained at $95 despite the additional benefits.
New Rewards Categories
The card now provides 3x points on eligible purchases at gas stations and electric-vehicle charging locations. It also provides 3x points on qualifying vacation-home bookings at participating brands, including Airbnb, Vrbo, Plum Guide, HomeAway, Homestay.com and Vacasa.
Chase Travel Hotel Credit
The annual hotel statement credit increased from $50 to up to $100. The credit applies to qualifying prepaid hotel bookings made through Chase Travel and resets each account anniversary year.
Global Entry, TSA PreCheck and NEXUS Credit
Cardmembers can receive a statement credit of up to $120 every four years for an eligible Global Entry, TSA PreCheck or NEXUS application fee.
Emergency Evacuation and Transportation Coverage
Chase added emergency evacuation and transportation coverage to the card's travel protections. Chase states that eligible covered travelers who become sick or injured during a trip at least 100 miles from home can have qualifying medical services and transportation covered up to $100,000, subject to the benefit's terms and conditions.
How the Rewards Structure Works
The card's highest travel earning rate is 5x points for eligible purchases made through Chase Travel. Other qualifying travel purchases earn 2x points.
Dining purchases worldwide earn 3x points, including eligible takeout and delivery transactions. The card also offers 3x points on eligible online grocery purchases and select streaming services.
Purchases that do not qualify for an elevated category generally earn 1 point per dollar.
Chase Ultimate Rewards and Travel Partners
Sapphire Preferred cardmembers can transfer Ultimate Rewards points to participating airline and hotel loyalty programs.
Current airline partners listed by Chase include Aer Lingus AerClub, Air Canada Aeroplan, British Airways Executive Club, Flying Blue, Iberia Plus, JetBlue TrueBlue, Singapore Airlines KrisFlyer, Southwest Rapid Rewards, United MileagePlus and Virgin Atlantic Flying Club. Hotel partners include IHG One Rewards, Marriott Bonvoy, World of Hyatt and Wyndham Rewards.
Chase also states that Ultimate Rewards points do not expire while the account remains open.
Travel Protection Features
The Sapphire Preferred includes several travel and purchase protections, subject to eligibility requirements and the applicable benefit terms.
These include trip cancellation and interruption insurance, baggage delay insurance, lost luggage reimbursement, travel accident insurance, travel and emergency assistance, rental-car coverage and emergency evacuation and transportation coverage.
For example, Chase states that trip cancellation and interruption coverage can reimburse up to $10,000 per covered traveler and $20,000 per trip for qualifying prepaid, non-refundable travel expenses under covered circumstances.
Additional Card Benefits
The card also includes several time-limited partner benefits.
Cardmembers can receive a complimentary Apple TV subscription for one year when the benefit is activated by December 31, 2026. The card also includes complimentary DoorDash DashPass benefits under the applicable activation and program terms.
Chase currently lists 5x total points on eligible Lyft rides through September 30, 2027, and 5x total points on qualifying Peloton equipment and accessories over $150 through December 31, 2027.
Changes to the Anniversary Bonus and Hyatt Transfers
The 10% anniversary bonus is being discontinued for cardmembers who apply on or after June 15, 2026. Existing cardmembers who applied before that date can continue to earn the bonus on eligible purchases made through October 1, 2026, with qualifying bonuses scheduled to be awarded by January 31, 2027.
Chase also changed the Ultimate Rewards transfer ratio to World of Hyatt for Sapphire Preferred cardmembers. For cardmembers applying on or after June 15, 2026, the updated ratio is 4:3. For qualifying existing cardmembers, the change takes effect October 1, 2026.
Annual Fee and Interest Rate
The Chase Sapphire Preferred has a $95 annual fee. Chase currently lists a variable purchase APR of 19.24% to 27.49%, depending on creditworthiness and other applicable factors.
The card has no foreign transaction fees, according to Chase.
Frequently Asked Questions
1. What is the annual fee for Chase Sapphire Preferred?
The annual fee is $95. Chase did not increase the annual fee when the 2026 benefits were introduced.
2. How many points does Chase Sapphire Preferred earn on Chase Travel?
Eligible Chase Travel purchases earn 5 points per dollar.
3. Does Chase Sapphire Preferred have foreign transaction fees?
No. Chase states that the card has no foreign transaction fees.
4. Does the card provide a hotel credit?
Yes. Cardmembers can receive up to $100 in statement credits each account anniversary year for qualifying hotel stays purchased through Chase Travel.
5. Does Sapphire Preferred cover TSA PreCheck or Global Entry?
Yes. The card provides up to a $120 statement credit every four years for an eligible Global Entry, TSA PreCheck or NEXUS application fee.
6. Can Ultimate Rewards points be transferred to airline and hotel programs?
Yes. Chase lists multiple airline and hotel loyalty programs as transfer partners for Sapphire Preferred cardmembers.
Final Verdict
The Chase Sapphire Preferred's 2026 structure includes a $95 annual fee, 5x points on eligible Chase Travel purchases, 2x points on other qualifying travel, 3x points across several additional categories, a $100 annual Chase Travel hotel credit and a $120 Global Entry, TSA PreCheck or NEXUS credit every four years. Chase also expanded the card's travel protections while introducing changes to the anniversary bonus and World of Hyatt transfer ratio.
.png)
Post a Comment