Chase Sapphire Preferred - Find Me a Card

Chase Sapphire Preferred

A good card for travel and dining (2x points) with a good signup bonus (80K points), but with a $95 annual fee.

Your total savings: $2,605 over the next 5 years

View reward details
Credit Score Required:
Above Average (740-799)
Issuer:
Chase
Network:
Visa

Rewards & Perks

Reward Highlights

  • 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Through March 2022: 5x points on Lyft rides.
  • For the first year: $50 in statement credits for groceries.
  • For the first year: Complimentary DoorDash "DashPass" membership, which offers unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 on qualifying food purchases.
  • Through December 2021: Get up to $60 back on an eligible Peloton Digital or All-Access Membership, and get full access to their workout library through the Peloton app.
  • 2x points on restaurants and travel (hotels, air travel, and rental car).
  • 1 point per dollar on all other purchases.
  • Points are worth 25% more when you redeem them for travel (via Chase Ultimate Rewards) and/or (for at least a limited time) for statement credits in select rotating categories (via "Pay Yourself Back").

Other Rewards & Perks

  • Personal concierge service: Specially-trained experts who are ready 24/7 to assist you with your travel, shopping, dining, entertainment, and everyday needs.
  • 1:1 points transfer: If you're a member of a frequent travel program, you can transfer your points to leading frequent travel programs at a 1:1 value. (Participating airline partners: Aer Lingus, British Airways, Emirates, Air France KLM, Iberia, JetBlue, Singapore Airlines, Southwest, United, and Virgin Atlantic. Particpating hotel partners: IHG, Marriott, and Hyatt.)
  • Car rental loss and damage insurance: Provides you reimbursement for damage due to collision or theft. Coverage is supplemental to and in excess of other insurance. You must decline the collision/loss damage waiver offered by the auto rental agency.
  • Baggage delay insurance: Provides reimbursement of up to $100 per day (up to five days), when your bags are delayed or misdirected by a common carrier for more than six hours for essential items including clothing.
  • Travel and emergency assistance services: Lets you get help coordinating medical, legal, and travel services when you are traveling. The cost of any goods or services is your responsibility.
  • Trip cancellation/trip interruption insurance: If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed for your pre-paid, non-refundable travel expenses, including passenger fares, tours, etc.
  • Trip delay reimbursement: Provides reimbursement (e.g., up to $500 per purchased ticket) for you and your eligible family members for reasonable expenses if a covered trip is delayed (due to a covered hazard) for more than 12 hours (or for more than 6 hours, depending on which credit card you have).
  • Extended warranty for warranties of 3 years or less: Extends the time period of the U.S. manufacturer's warranty (by an additional 1+ years) for eligible items that would otherwise have warranties of 3 years or less. (Refer to the offer details on the credit card issuer's website for details about dollar limits and exclusions.)
  • Purchase protection (120 days): Coverage for eligible items you buy with your card if they are lost or stolen within 120 days of your purchase.
  • Free online access to your credit score (via Chase Credit Journey): You can opt-in to access your credit score (updated monthly) for free, within Chase's mobile app or website.

Special Signup (Promo) Rewards & Perks

  • 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Through March 2022: 5x points on Lyft rides.
  • For the first year: $50 in statement credits for groceries.
  • For the first year: Complimentary DoorDash "DashPass" membership, which offers unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 on qualifying food purchases.
  • Through December 2021: Get up to $60 back on an eligible Peloton Digital or All-Access Membership, and get full access to their workout library through the Peloton app.
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Rates & Fees

Summary of Rates & Fees

  • Annual fee: $95.
  • APR on purchases and balance transfers: 15.99-22.99%.
  • No foreign transaction fees.

Annual Fee: $95

Interest Rate (“Purchase APR”): 15.99-22.99%

BT Fee: 5% of BT

BT APR: 15.99-22.99%

Cash Advance Fee: 5%

Cash Advance APR: 24.99%

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Other Info

Date Introduced: 2009-08-19

Date Last Updated: 2022-04-14


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