Chase Sapphire Preferred

How the rewards work.

• 5 points per $1 on eligible Chase Travel purchases; 3 per $1 on dining.
• The first $100 of Chase Travel hotel purchases each anniversary year earn the hotel credit, not reward points.
• 2 points per $1 on other eligible travel; 1 per $1 on other eligible purchases.
• This is a summary of core categories, not every benefit. Point value depends on redemption.

Points are not a cash percentage. What a point is worth varies with how you redeem it, so we don't turn points into dollars or rank them against cash back. Rewards are usually small next to interest. If you carry a balance, interest can cost more than you earn.

The welcome offer and its strings.

Who may not get it

• This card is unavailable while you already hold it. Prior card ownership or bonus receipt may affect bonus eligibility.
• Chase may also consider the number of cards opened and closed. Offers vary by channel.

Check the spending amount and time limit above. Spending more than you planned just to earn a bonus can cost more than the bonus is worth.

Interest and fees, untangled.

Variable purchase APR depends on creditworthiness. We have not confirmed an introductory APR or transfer-fee amount.

• APR is the yearly interest rate on a balance you don’t pay off in full. “Variable” means it can change over time.
• The range is what Chase showed when we checked on Oct 11, 2026. It is not a promise of your rate; the issuer sets that when it reviews an application.

Good comparisons leave a paper trail.

Product facts come from the issuer pages listed below. We checked them on Oct 11, 2026. The summary and trade-off are our own words. We have not applied for or used this card.

• Official issuer product page and terms (opens in a new tab) ↗Used for: annual fee, foreign transaction fee, rewards, purchase APR, welcome offer, offer conditions, what we could not confirm

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