💳 Why This Card Stands Out
The Chase Sapphire Preferred is the perfect first premium card. At just $95/year, it offers incredible value for travelers and foodies without the commitment of a high annual fee.
It’s also the gateway to Chase Ultimate Rewards — one of the most valuable and flexible points currencies in the travel world, with 14+ transfer partners including airlines and hotels.
✨ Key Benefits
⭐ Rewards Structure
🔄 Transfer Partners
Transfer your points 1:1 to these airline and hotel partners:
💰 Is the Annual Fee Worth It?
+ All the points you earn on travel and dining!
🎁 Current Welcome Offer
📋 Who Qualifies?
- ✓ Good to Excellent credit (700+)
- ✓ 1+ years credit history
- ✓ Stable income (~$40K+)
- ✓ Under 5/24 rule
- • Chase’s 5/24 rule applies
- • Can’t have Sapphire bonus in past 48 months
- • Only one Sapphire card at a time
- • Pre-approval is highly reliable
⚖️ Pros & Cons
- Low $95 annual fee
- Excellent welcome bonus (75K points)
- 14+ valuable transfer partners
- Strong earning on travel and dining
- No foreign transaction fees
- $50 hotel credit reduces effective fee
- Free DashPass membership ($120 value)
- No airport lounge access
- 5/24 rule can block applications
- 1x on non-bonus categories
- Only one Sapphire card allowed
- No Global Entry/TSA PreCheck credit
🎯 Best For
👉 You’re new to premium credit cards
👉 You dine out or order delivery frequently
👉 You travel a few times per year
👉 You want flexible points with transfer partners
👉 You don’t want to pay a high annual fee
👉 You’re building toward better travel rewards cards
📌 This content is for educational purposes only. Credit card approval depends on individual factors including credit score, income, and credit history. We may receive compensation if you apply through links on this page. All information is believed accurate as of December 2025 but is subject to change. Please review the official terms and conditions on the issuer’s website before applying.
Sources: Chase, The Points Guy, NerdWallet. Last updated: December 2025.