Chase
Chase Sapphire Preferred
Annual Fee
$95
Sign-up Bonus
60,000 pts
Direct link. CardSavvy earns no commission today.
Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 3x on dining (catalog median is 2x)
- 3x on fast food (catalog median is 2x)
- The $95 annual fee needs strong category spending to clear
- Non-bonus spending earns only 1x
Is the $95 Fee Worth It?
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$295/yr
$390 rewards - $95 fee
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$455/yr
$550 rewards - $95 fee
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$518/yr
$613 rewards - $95 fee
Rewards by Category
Dining
3x
Grocery
1x
Gas
1x
Flights
2x
Hotels
2x
Other Travel
2x
Online Shopping
1x
Streaming
1x
Amazon
1x
Costco
1x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
3x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.3 cents per point
The Fine Print That Changes the Math
2x on travel, 3x on dining, 1x everything else. Points worth 25% more when redeemed for travel through Chase.
Chase Sapphire Preferred FAQ
What is the Chase Sapphire Preferred annual fee?
The Chase Sapphire Preferred has a $95 annual fee.
What is the Chase Sapphire Preferred signup bonus?
60,000 points for new cardholders meeting the minimum spend. Check the issuer's site for the current offer.
What are the best spending categories for the Chase Sapphire Preferred?
3x on dining, 3x on fast food, 2x on flights. Everything else earns 1x.
Is the Chase Sapphire Preferred worth the annual fee?
At a typical $24,000/yr spending profile, it nets about $295/yr after the fee. Your own spending mix decides it; run the numbers in the optimizer.
Compare With Similar Cards
Guides Featuring This Card
Is Chase Sapphire Preferred Right for You?
Run your personalized optimization to see how this card fits into your wallet and how much you could earn based on your actual spending.
Card details are for informational purposes only. Please verify current terms, rewards, and benefits on the issuer's website before applying. Links to issuers are direct; CardSavvy currently earns no commission from them.