Chase
Chase Sapphire Preferred
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Card review
Chase Sapphire Preferred®
Chase
Last updated September 22, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$95
Welcome bonus
60,000 Ultimate Rewards points
Est. net value
Run calculator
Credit score
Good
Top earn rate
3% dining
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Chase Sapphire Preferred from Chase carries a $95 annual fee. Use the calculators below to model rewards, credits, and net value on your own spending.
Rewards post to ultimate rewards.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| Dining | 3% |
| Online shopping | 3% |
| Travel | 3% |
| Transit | 2% |
| Groceries | 2% |
| Gas | 1% |
| Entertainment | 1% |
| Everything else | 1% |
Welcome offer
60,000 Ultimate Rewards points
- Spend $4,000 in 90 days
- Est. value: $750 (WalletFlo catalog)
Credits & benefits
Statement credits and perks we model in net-value calculations.
Credits
- Hotel credit$50/yr
Benefits & perks
- Trip protections$60/yr
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Annual fee analysis
We couldn't load the OneCard breakeven engine right now. Open the full tool to model credits and perks against $95/yr.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Points & Miles → $ Converter
Convert ultimate rewards points to dollar value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
Model transfer ratios to airline and hotel partners.
Reward calculator
Model this card on your spend — adjust categories and compare with others.
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Compare Chase Sapphire Preferred
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Frequently asked questions
- What credit score do I need?
- We flag 700+ as a typical starting point — issuer approval depends on your full profile.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $95 per year.