Chase Sapphire Preferred Card
Issued by Chase (JPMorgan Chase & Co.) · Visa network · Unsecured consumer card
At a glance
The Chase Sapphire Preferred Card is a travel consumer credit card issued by Chase on the Visa network. Its current annual fee is $95 (no first-year waiver), with a $0 (no foreign transaction fee) foreign-transaction fee. It is accepting new applications. Terms were last independently verified on 2026-07-17.
Current rates and fees
From the issuer’s official pages and agreement. Each value shows its source, confidence, and last-verified date.
Interest
Variable, tracks the Prime Rate; your exact rate depends on creditworthiness — confirm with Chase.
Chase — official card pageverified 2026-07-17
Chase — official card pageverified 2026-07-17
Fees
Chase — official announcementverified 2026-07-17
Chase — official card pageverified 2026-07-17
Rewards
Chase — official card pageverified 2026-07-17
Bonus categories per the 2026 refresh; sign-up bonuses are promotional and change often — confirm the current offer with Chase.
Chase — official card pageverified 2026-07-17
Chase — 2026 refresh announcementverified 2026-07-17
Benefits and protections
- Trip cancellation/interruption insurance. source
- Primary rental-car collision coverage (when renting for business or leisure). source
- $100 annual Chase Travel hotel credit. Doubled from $50 in the 2026 refresh. source
- $120 Global Entry / TSA PreCheck / NEXUS credit. Statement credit once every 4 years (added in the 2026 refresh). source
Confirm before you apply
Rates, fees, offers, eligibility, and benefits change often. Confirm the final terms directly with the issuer’s official page or the CFPB card-agreement database before applying.
Modeled cost
True cost of this card
True-cost calculator
Illustrative math from this card’s APR. Nothing you enter is stored. This shows costs — it does not predict your rate or approval.
Cost of carrying a balance for a year
| Balance carried | Interest / month | Interest / year |
|---|---|---|
| $1,000 | $19.48 | $233.7 |
| $3,000 | $58.43 | $701.1 |
| $5,000 | $97.38 | $1,168.5 |
Paying only the minimum on $3,000
1200 months
About $52,025.66 in interest (2% minimum, $25 floor).
$5,000 balance transfer (3% fee, 15-mo intro, $300/mo)
$171.08 total cost
$150 upfront fee, plus post-intro interest at 23.37%.
This card’s $95 annual fee needs at least $95 of yearly value (credits + rewards you’d actually use) to break even.
Simplified illustrations. Real interest depends on your exact APR, balance, timing, and payments. The clearest way to avoid all of this is to pay the statement balance in full.
Our independent analysis
Editorial rating
4.34.3 out of 5
How this score was calculated
| Dimension | Weight | Score |
|---|---|---|
| Rewards value + transfer options | 30% | 4.5/5 |
| Credits offsetting the fee | 20% | 4.5/5 |
| Travel protections | 20% | 4/5 |
| Annual fee vs. value | 20% | 4/5 |
| Terms transparency | 10% | 4/5 |
Methodology 2026.07 · full methodology · Credit Defense Hub earns no commission or affiliate revenue from card issuers; editorial scores are independent of any advertising relationship.
A mid-tier travel rewards card whose $95 annual fee is easy to offset if you use the annual travel credit and value flexible, transferable points. Its ongoing APR still makes carrying a balance costly, so it fits people who pay in full each month, not those revolving debt.
Advantages
- Flexible, transferable rewards currency
- Annual travel credit offsets much of the fee
- Strong travel and purchase protections for the price
Watch for
- Ongoing APR is costly if you carry a balance
- $95 annual fee with no first-year waiver
- Best value requires using travel benefits
Best for: People who pay in full monthly and travel enough to use the credits and transfer partners.
Credit Defense Hub Editorial Team · reviewed 2026-07-17 · Pending named subject-matter review Editorial analysis is independent and separate from the issuer and from consumer reviews.
Extractable answers
Quick answers
- Who issues the Chase Sapphire Preferred Card?
- It is issued by Chase (legally, JPMorgan Chase Bank, N.A.) on the Visa network.
- What does the Chase Sapphire Preferred Card cost?
- The annual fee is $95 (no first-year waiver), and the foreign-transaction fee is $0 (no foreign transaction fee). Verified 2026-07-17. The purchase APR is variable and depends on creditworthiness — confirm the current range with the issuer.
- Is the Chase Sapphire Preferred Card accepting new applications?
- Yes, as of our last verification. Availability can change — confirm on the issuer’s page.
- Does the Chase Sapphire Preferred Card help build credit?
- Like most major cards, on-time payments and low utilization generally help build history over time; check the issuer’s reporting practices.
- What should someone verify before applying?
- The current APR range, the annual and foreign-transaction fees, any welcome-offer terms, and whether the reward or benefit you want still applies — all directly on the issuer’s page or card agreement.
- What should you do if something goes wrong with this card?
- For a wrong charge, use the issuer’s billing-dispute process (FCBA). For inaccurate credit reporting, dispute with the bureaus (FCRA). If it is not resolved, you can complain to the CFPB and your state attorney general. See our card-problem guides.
Current-fact answers reflect terms verified 2026-07-17; confirm with the issuer before applying.
What consumers report
No verified consumer reviews yet
This card has no published consumer reviews yet, so we are not showing consumer averages or complaint statistics — we never display percentages from a sample too small to be meaningful, and we never seed fake reviews. Be the first to share a genuine experience below.
Share your experience
Rate the card, flag specific issues or positives, and tell your story. We never ask for card numbers, account numbers, or your SSN.
If your issue is about credit reporting or a dispute
When to talk to a professional
A consumer review is not a legal finding. If a card issuer reported inaccurate information, denied a valid fraud claim, or you were sued over a balance, those are situations where documenting the facts and — for lawsuits or unresolved FCRA/FDCPA problems — talking to a consumer attorney or legal aid can matter. You can also report issues to the CFPB.
See the issuer’s official page →
Educational information — not advice
This page provides general educational information about credit, debt, and consumer protections. It is not legal advice, financial advice, or credit repair services, and reading it does not create any professional relationship. Laws, procedures, deadlines, and dollar amounts vary by state and change over time.
For advice about your specific situation, consult a licensed attorney or qualified financial professional. See our full disclaimer.