ChaseEditor's ChoiceBest for Travel and dining
Chase Sapphire Preferred® Card
Annual Fee
$95/yr
Rewards Rate
1x-5x
Intro Offer
60,000 points
Regular APR
21.49%-28.49% Variable
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
Earn 60,000 bonus points. Strong travel and dining rewards.
Our take
The go-to travel card for many. Strong sign-up bonus, flexible points, and 3x on dining. Annual fee is justified by the value for frequent travelers.
Highlights
What we like
Valuable sign-up bonus (60k points)
3x on dining and travel
No foreign transaction fee
The trade-off
$95 annual fee
Points worth more when redeemed for travel through Chase
Is this card right for you?
Answer a few quick questions — we'll tell you if it fits your spending habits and credit profile.
Full details
Rewards & Perks
| Rewards rate | 1x-5x |
| Rewards type | Points |
| Bonus categories | 5x on travel3x on dining |
| Welcome offer | 60,000 points |
| Offer requirements | after $4,000 spend in first 3 months (worth ~$750 in travel) |
Fees & APR
| Annual fee | $95/year |
| Intro annual fee | $95 |
| Intro APR (purchases) | N/A |
| Ongoing APR | 21.49%-28.49% Variable |
| Foreign transaction fee | None |
Eligibility
| Recommended credit score | 670-850 |
Frequently asked questions
What credit score do I need?
This card typically requires a 670-850 credit score. Building or maintaining good credit before applying improves your approval odds.
Are there foreign transaction fees?
No — this card has no foreign transaction fee, making it an excellent choice for international travel and purchases.
How do I earn the welcome offer?
after $4,000 spend in first 3 months (worth ~$750 in travel)
Can I product-change or upgrade this card?
Many issuers allow product changes within the same card family. Contact the issuer directly after 12 months of card membership to ask about upgrade options.
Chase Sapphire Preferred® Card