Chase
Chase Sapphire Preferred
Flexible points travelers who want transfer partner access without a premium annual fee
Annual Fee
$95
Bonus Value
$2,050
Min Spend
$5K/3mo
Current Welcome Offer
100,000
Ultimate Rewards — worth ~$2,050
Spend $5,000 in 3 months
Highest since tracking started30-day offer history
16 data points
Verified from issuer
Last checked May 13
CreditPoints Take
The gold standard starter travel card
The CSP remains the best entry point into the Chase ecosystem. At $95/yr with robust transfer partners and solid bonus categories, it's the card most travel beginners should get first.
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What you get
All 3 perks ↓Perks/yr up to
$320
Annual Fee
$95
Covers fee
3.4×
1 of 3 need activation — credits often split into small chunks, easy to miss.
AI Analysis
Who is this card best for?
The CSP remains the best entry point into the Chase ecosystem. At $95/yr with robust transfer partners and solid bonus categories, it's the card most travel beginners should get first.
Power combo: Pair with Freedom Unlimited (1.5× catch-all) and Freedom Flex (5× rotating) to maximize UR earnings across all spending, then pool points and transfer to Hyatt for outsized value
Strengths
- 10+ transfer partners at 1:1 ratio including Hyatt — the most valuable hotel program
- 5× on Chase Travel hotels/flights makes booking through the portal highly competitive
- $100 hotel credit effectively offsets the entire $95 annual fee
- Primary rental car insurance is a standout perk rarely found at this fee level
Weaknesses
- No lounge access or travel credits beyond the hotel credit
- Chase 5/24 rule blocks many points enthusiasts who have been active applicants
Rewards
Earn rates by category
Hotels & flights through Chase TravelBest rate
Dining & restaurants
Streaming services
Online grocery (excl. Walmart, Target, wholesale clubs)
Chase Travel portal (flights, hotels, cars)
All other travel
Everything else
Earn rates in Ultimate Rewards. Point value varies by redemption method.
Historical Intelligence
Offer history & timing
Current
100,000
Average
60,000
Tracked High
100,000
Recent changes
2026-05
Chase.com
2024-06
NerdWallet (Wayback)
2024-05
NerdWallet (Wayback)
2023-06
NerdWallet (Wayback)
2023-05
NerdWallet (Wayback)
Highest observed since tracking started: 100,000 (2021-07)
Timing Intelligence
Strong time to apply
This offer is at or near the best we've observed since tracking started. The current offer of 75,000 is at or near the highest we've tracked (100,000). Elevated offers on this card typically don't last more than 30–60 days.
Current offer
100,000
Ultimate Rewards
Based on 13 tracked changes.Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Very Strong
Est. +$2,959 net first-year value
Timing
Strong time to apply
This offer is at or near the best we've observed since tracking started. The current offer of 75,000 is at or near the highest we've tracked (100,000). Elevated offers on this card typically don't last more than 30–60 days.
Verified from issuer · May 13
Ecosystem
Chase Ultimate Rewards
Chase's transferable points currency — highly valuable via Hyatt, United, and airline partners.
✓ Transferable to 13 partners
Opens the Chase Ultimate Rewards ecosystem with access to Ultimate Rewards and 13 transfer partners.
Value
First-year value estimate
Conservative
+$1,953
65% benefit utilization, minimal travel redemptions
Realistic
+$2,959
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$3,957
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
+$1,834/yr
Based on avg US annual spend of $24,120 · Year 1 includes signup bonus. Illustrative — actual value varies by spending habits and redemption strategy.
Benefits & Transfer Partners
Benefits
Card perks & credits
Up to $320/yr in benefits
✈️travel credit
Global Entry / TSA PreCheck Credit
$100/yr
$100 Global Entry or $85 TSA PreCheck credit every 4 years.
🍽️dining credit
DashPass Membership
$120/yr
Complimentary DashPass membership (free delivery on eligible orders). Requires activation.
⚠ Enrollment required
DoorDash and Caviar orders
🏨hotel credit
Annual Hotel Credit
$100/yr
$100 annual hotel credit on bookings through Chase Travel.
Hotels booked through Chase Ultimate Rewards portal
Live Data
Verified issuer data
Last verified: May 13, 2026
high confidenceEstimated Net Annual Value
$893
after annual fee
Travel Credits
- $50 Annual Hotel Credit$50/yr
Transfer Partners
Airlines (9)
Hotels (3)
Data sourced from issuer page via automated extraction. Verify current offers directly with creditcards.chase.com.
Redemptions
Transfer partners
Move your Chase UR points to these loyalty programs — usually at 1:1. Strategic transfers routinely deliver 2–4× more value than cash redemptions.
Airlines (7)
Hotels (4)
Approval & Best For
Eligibility
Approval insights
Recommended Credit Score
720+
Very Good (720+)
Difficulty
Hard
Annual Fee
$95
⚠ Know Before You Apply
Chase 5/24 Rule
Must have fewer than 5 new credit card accounts opened in the past 24 months across all issuers
Sapphire Family Rule
Cannot hold another Chase Sapphire card (Preferred or Reserve) at time of application
48-Month Bonus Rule
Cannot receive the signup bonus if you have received a Sapphire bonus within the past 48 months
One of Chase's most popular cards. Apply through a branch for best in-person service. Income requirements are not published but Chase prefers strong debt-to-income ratios.
Ideal Profile
Best use cases
First premium travel card to build Chase UR balance
Booking Hyatt hotels via transfer for 2¢+ per point value
Earning 5× on Chase Travel for domestic trips
Pairing with no-fee Chase cards (Freedom Unlimited, Freedom Flex) to maximize UR accumulation
Travelers who use rental cars frequently (primary insurance saves on CDW fees)
Fit assessment
Best For / Not Best For
Best For
- 10+ transfer partners at 1:1 ratio including Hyatt — the most valuable hotel program
- 5× on Chase Travel hotels/flights makes booking through the portal highly competitive
- $100 hotel credit effectively offsets the entire $95 annual fee
- Primary rental car insurance is a standout perk rarely found at this fee level
Not Best For
- No lounge access or travel credits beyond the hotel credit
- Chase 5/24 rule blocks many points enthusiasts who have been active applicants
Current Offer Status
Offer status
100,000 Ultimate Rewards
Last verified
May 12, 2026
Annual fee
$95/year
Compare & Alternatives
Compare with
Popular side-by-side comparisons.
Alternatives
Consider these cards instead
Capital One
Venture
Travelers who want a simple 2× earn card with access to airline and hotel transfer partners
$95/yr
75,000 pts
View review
Citi
Strata Premier
Travelers who want broad 3× categories across dining, grocery, gas, air, and hotels without tracking rotating bonuses
$95/yr
60,000 pts
View review
Amex
Amex Gold
Foodies and families who spend heavily on restaurants and supermarkets
$325/yr
100,000 pts
View review
FAQ
Frequently asked questions
What's the current Sapphire Preferred welcome bonus?
100,000 Ultimate Rewards after spending $5,000 in the first 3 months. Welcome bonus offers change frequently — the value shown on this page is updated against the issuer's published offer. For the live offer, click through to the apply page; the bonus is confirmed at approval time, not click time.
Is the Sapphire Preferred worth the $95 annual fee?
For first-year cardholders the answer is usually yes — the welcome bonus (~$2,050 estimated cash value) plus tracked statement credits typically cover the $95 fee several times over. After year one, the math depends on whether you actually use the recurring credits and category multipliers. Run your real spending through our Annual Fee Calculator before deciding to renew.
How many transfer partners does Sapphire Preferred have?
Sapphire Preferred earns Ultimate Rewards (Chase UR), which transfers 1:1 to 14+ airline and hotel programmes as of 2026. Compared to other transferable-points programmes, that puts it in the upper tier — only Amex MR has more partners. For sweet-spot redemptions, transferring to a partner typically beats portal redemption by 2-3× CPP.
Can I transfer Sapphire Preferred points to World of Hyatt?
Yes — at 1:1. World of Hyatt accepts 1:1 transfers from Chase Ultimate Rewards and Bilt Rewards only, so Sapphire Preferred qualifies via its Ultimate Rewards (Chase UR) ecosystem. Peak nights at Park Hyatt and Andaz properties redeem at 3–5 cents per point, the highest CPP in the points game.
Does Chase's 5/24 rule apply to Sapphire Preferred?
Yes. Sapphire Preferred is issued by Chase, so the 5/24 rule applies: if you've opened 5 or more personal credit cards from any issuer in the last 24 months, Chase will likely auto-deny your application regardless of credit score. Check your 5/24 status before applying. Business cards from Amex, Cap One and the Chase Ink line don't usually count toward your 5/24.
What credit score do I need for Sapphire Preferred?
Realistic target: 690+ FICO. Issuers don't publish hard cutoffs, but data points from approval/denial reports suggest 690+ is the floor for reliable approval on cards in Sapphire Preferred's tier. Income, debt-to-income ratio, and existing relationship with Chase also matter — use our Approval Predictor for a more personalized estimate.
Editorial guides
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Tools & next steps
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Why trust this review
- Independent research. CreditPoints is not paid by issuers to rank cards. All scores are algorithmic, based on public offer data, benefit valuations, and issuer rules.
- Regular verification. Offer amounts, spend requirements, and benefit values are checked against issuer pages via automated monitoring and manual audit.
- Transparent methodology. Every value estimate uses disclosed assumptions. Read our full scoring methodology.
Editorial note: CreditPoints may earn a commission when you apply through some of the links on this page. The first-year value math, transfer-partner analysis and approval signals on this card review are algorithmic and identical for all readers. We never accept payment to change ordering.
Chase Sapphire Preferred
Current offer: 100,000 Ultimate — worth ~$2,050
Apply via ReferralChase's secure site · No data stored · Commission may apply
Offers are based on publicly available information and are subject to change without notice. Estimated values are illustrative. Not affiliated with or endorsed by any card issuer.
Sapphire Preferred
100,000 Ultimate offer