Credit card · issued by Chase
Chase Sapphire Preferred®
Among the 9 credit cards we track, it ranks 3rd by annual fee.
Chase
Chase Sapphire Preferred®
What this card costs
3.3Bank Compass score
#3 of 9 by annual fee- Annual fee
- $95
Lower than 2 of the 41 cards we track
$0 – $795
- Regular APR
- 19.24%–29.99%Run 29.99% in the calculator
Lower than 7 of the 39 cards we track
14.99% – 28.99%
- Credit score
- Not verified yet
Figures read on Chase's own page on 2026-08-02. Terms change without notice — see the source.
Our take
By Victor Gil Vazquez · Reviewed 2026-08-21
The default first travel card with an annual fee: 5x through Chase Travel, 3x across four everyday categories, and a $95 fee that sits in the middle tier of this catalog rather than the top.
What we can and can't tell you
What is verified here: a $95 annual fee, a variable APR of 19.24% to 29.99%, and the per-category earning rates read from Chase's own page — 5x on travel booked through Chase Travel, 3x on dining, groceries, fuel and streaming, 2x on other travel and 1x on everything else. What this catalog does not carry is Chase's own one-line summary of the programme, so the rates below are the per-category figures rather than the issuer's marketing description of them.
That is enough to frame the decision a fee card demands, with one caveat this page will not paper over: $95 has to come back in value you would have received anyway, and turning points into that figure needs a redemption value that this catalog does not verify. What can be said without one is the shape of it. The 3x band covers dining, groceries, fuel and streaming — four categories that between them carry most of an ordinary month — so the card earns its fee on everyday spending or not at all. Price your own points against Chase's current redemption terms before applying; the rates above are the half of the sum this site can stand behind.
Where the $95 sits
In this catalog $95 is the middle tier of annual fee: it matches Citi Strata Premier, Bank of America Premium Rewards, Wells Fargo Autograph Journey, Capital One Venture and Truist Enjoy Beyond. Above it there is only Capital One Venture X at $395 and Chase Sapphire Reserve at $795. Below it, TD First Class at $89 and then a long list at zero.
The 19.24% APR floor is mid-pack for the catalog — higher than BankAmericard's 14.99% and Citi Diamond Preferred's 16.49%, lower than Citi Strata Premier's 20.24%. As with every rewards card, that number only matters if you carry a balance, and if you carry a balance the rewards will not cover the interest.
Chase sells five cards here, and three of them overlap with this one
Within this catalog Chase runs Sapphire Preferred at $95, Sapphire Reserve at $795, Freedom Flex and Freedom Unlimited at no fee, and Slate for balance transfers. The two Freedom cards also earn 5x through Chase Travel and 3% on dining — the same portal rate and a comparable dining rate, without an annual fee.
That makes the internal comparison the sharpest test of this card. What $95 adds over Freedom Unlimited is the 3x on groceries, fuel and streaming and the 2x on travel booked outside the portal. If those categories are not a large part of your spending, Chase already sells you most of this card for nothing.
Chase sells five cards here, and three of them overlap with this one
Within this catalog Chase runs Sapphire Preferred at $95, Sapphire Reserve at $795, Freedom Flex and Freedom Unlimited at no fee, and Slate for balance transfers. The two Freedom cards also earn 5x through Chase Travel and 3% on dining — the same portal rate and a comparable dining rate, without an annual fee.
That makes the internal comparison the sharpest test of this card. What $95 adds over Freedom Unlimited is the 3x on groceries, fuel and streaming and the 2x on travel booked outside the portal. If those categories are not a large part of your spending, Chase already sells you most of this card for nothing.
What stands out
- $95 sits in the middle annual-fee tier here, well below the $395 and $795 cards at the top.
- The 19.24% APR floor is lower than several premium travel cards in this catalog.
- Chase's app rates 4.8 on the App Store and 4.7 on Google Play, among the strongest here.
What to watch
- The per-category rates are verified, but Chase's own summary line is not — read the current disclosure before assuming a rate has not changed.
- No verified welcome bonus, which for a fee card is usually the main first-year argument.
- $95 a year is charged whether or not you use the card enough to earn it back.
- The APR reaches 29.99% at the top of the range — carrying a balance erases any travel rewards several times over.
- Best for
- Someone who spends enough on dining and groceries to clear the $95 on the 3x rates alone, and who will use Chase Travel often enough for the 5x to matter.
- Look elsewhere if
- Your spending will not clear $95 in points a year — several no-fee cards here pay a flat rate on everything with nothing to justify.
This section is our own assessment, written from the verified figures further down this page. It is not a recommendation, and no institution has any influence over it — see the advertiser disclosure and editorial policy.
Rewards and welcome bonus
The issuer publishes no rewards summary.
Fees, APR and the fine print
$95 annual fee · 19.24%–29.99%
- Annual fee
- $95
- Regular APR
- 19.24%–29.99%
- Foreign transaction fee
- Not verified yet
- Credit score the issuer asks for
- Not verified yet
What we like, and what to watch
$95 annual fee every year
- $95 annual fee every year
Every line above is derived from a figure the issuer publishes — never a claim of our own. How we rank and verify everything.
Before you decide, three more
Other Chase cards and the closest matches to this one.
Your figures
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Bank Compass is not a bank, is not FDIC-insured, does not provide financial advice, and is not affiliated with the entities compared unless otherwise noted. Rates and terms change — always verify on the bank's official website.
Related reading
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