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ChaseChase Sapphire Preferred® Card

•••• •••• •••• 3977

VALID THRU12/29

VISA

Flexible Points CardsTravel Cards

Annual Fee

$95

Foreign Txn Fee

Credit Needed

Good to Excellent (690+)

APR

19.24%–27.49% variable

Rewards Categories

5x Chase Travel purchases

5x Lyft rides (through 9/30/27)

3x Dining, online groceries, select streaming

3x Gas, EV charging, and vacation home rentals (Airbnb/Vrbo)

2x Other travel

1x All other purchases

Benefits

Up to $100 Chase Travel hotel credit every account anniversary year (single stay, not split into chunks)

Up to $120 Global Entry, TSA PreCheck, or NEXUS credit every 4 years (added June 2026)

Complimentary 1-year Apple TV subscription (activate by 12/31/26)

Complimentary DashPass membership through 12/31/27 + $10/mo DoorDash promo

Trip cancellation/interruption insurance up to $10,000 per person

Primary rental car collision damage waiver

Emergency evacuation and transportation coverage

Points transfer 1:1 to most partners; Hyatt now 4:3 as of June 2026

No foreign transaction fees

Welcome Bonus

Earn 75,000–100,000 bonus points after spending $5,000 in first 3 months (limited-time offer)

Pros & Cons

Pros

Best entry-level points card for the price — $95 fee with real travel benefits

Strong everyday categories: dining, groceries, gas, streaming, travel

New June 2026 perks (TSA/Global Entry credit, bigger hotel credit, Apple TV) add real value

Transfers to 11+ airline and hotel partners

Cons

10% anniversary points bonus was eliminated as of the June 2026 refresh

Hyatt transfer ratio devalued to 4:3 from 1:1 (effective Oct 1, 2026 for existing holders)

$100 hotel credit must be used in a single Chase Travel stay to get full value

Best For / Worst For

Best For

People who want a flexible, do-it-all travel card without a premium fee

Worst For

Heavy Hyatt point transferrers, who get more value from Sapphire Reserve's 1:1 ratio

Reward Valuation

Chase Ultimate Rewards points valued around 1.7–2.0 cents each via transfer partners or Chase Travel portal booking.

Points Value Breakdown

Average Value

1.85¢/point

Travel Redemption

1.25¢/point

Transfer Partner Value

2¢/point

Statement Credit Value

1¢/point

Cash-Out Value

1¢/point

Example

75,000 welcome bonus points ≈ $1,500 if transferred to Hyatt or United at ~2¢ each, versus $937 if booked through Chase Travel at the 1.25¢ portal rate.

Statement Credits

Hotel Credit

Up to $100/yr

Single Chase Travel hotel stay, account anniversary year

Global Entry/TSA/NEXUS

Up to $120 every 4 yrs

Added June 2026, covers application fee

Apple TV

~$120/yr value

Complimentary 1-year subscription, activate by 12/31/26

Transfer Partners

World of Hyatt

Devalued from 1:1 starting June 15, 2026 for new applicants

4:3

United MileagePlus

No transfer fee

1:1

Southwest Rapid Rewards

Good for short domestic flights

1:1

British Airways Avios

Useful for short-haul partner awards

1:1

Marriott Bonvoy

No transfer fee

1:1

Travel Protections

Trip Cancellation/Interruption

Up to $10,000 per person

Trip Delay Reimbursement

Covers delays of 12+ hours or overnight

Baggage Delay Insurance

Covers essential purchases during baggage delay

Emergency Evacuation/Transportation

Coverage for medical evacuation while traveling

Insurance Benefits

Primary Rental Car Coverage

Decline the rental company's collision coverage and rely on Chase instead

Purchase Protection

Covers new purchases against damage/theft

Approval Odds

Subject to Chase's 5/24 rule: generally not approved if you've opened 5+ personal cards (any issuer) in the past 24 months. Requires good to excellent credit.