Chase Sapphire Preferred
The gold standard for mid-tier travel cards. Transfer partners make points worth 1.5-2c each if you know how to redeem.
Use this page as a benchmark, not as a guaranteed quote or eligibility promise. The price, rate, fee, coverage, or feature set can change with location, customer profile, promotional timing, scope, and provider terms. Compare the current source disclosure before you buy or sign.
FairPrice Guru keeps the benchmark separate from the provider's marketing. A higher price is not automatically unfair when it buys more coverage or a better scope, and a lower headline price is not automatically better when fees, restrictions, or missing features change the real cost.
Price and terms
- Annual fee: $0
- Purchase APR: 19.24%–27.49%
FairPrice score: 88/100
Rewards
5x travel via Chase, 3x dining, 2x other travel
Perks
- 25% redemption bonus via Chase Travel
- Primary rental car coverage
- Trip cancellation insurance
- No foreign transaction fees
Pros
- Strong sign-up bonus
- Transferable to 14 airline/hotel partners
- No foreign transaction fees
Cons
- $95 annual fee
- No airport lounge access
Best for
- travel
- points enthusiasts
- dining
Official source · Last verified 2026-10-04