Pros
- A balanced travel card with strong partners, useful travel protections, and a manageable annual fee.
- 5X on travel through Chase Travel, 3X on dining, select streaming and online groceries, 2X on other travel, 1X on other purchases. Annual fee: $95.
- Intro APR value: No standard intro APR offer.
Cons
- Best value usually requires using Chase travel tools or transfer partners.
- The annual fee needs to be justified by spending, credits, or cardholder habits: $95
- Balance transfers are not free: Balance transfer fee applies.
Best for
- Readers who want transferable travel rewards and match a good to excellent profile.
- Households comparing Best cards, Travel options and willing to verify current issuer terms before applying.
- People who can make the annual fee math work before chasing rewards or credits.
Skip if
- You will carry a balance after any intro period; interest can erase rewards quickly.
- The main trade-off is a deal-breaker for you: Best value usually requires using Chase travel tools or transfer partners.
- You are not sure the rewards or credits will exceed the annual fee in a normal year.
Terms snapshot
- Rewards
- 5X on travel through Chase Travel, 3X on dining, select streaming and online groceries, 2X on other travel, 1X on other purchases.
- Welcome offer
- 75,000 bonus points after qualifying spend.
- Intro APR
- No standard intro APR offer.
- Regular APR
- 19.24% to 27.49% variable APR.
- Balance transfer fee
- Balance transfer fee applies.
- Foreign transaction fee
- $0
Issuer terms and source check
BillSaver summarizes publicly available terms for comparison. Before applying, read the issuer terms page directly and confirm rewards, APRs, fees, welcome offer requirements, transfer rules, credits, and eligibility restrictions.
Open issuer terms for Chase Sapphire Preferred® Card
How BillSaver evaluates this card
We compare the card against the job a reader is likely hiring it to do: rewards, debt breathing room, travel value, student use, business spending, or credit building. The review weighs annual fee, reward simplicity, APR exposure, intro period, transfer cost, foreign transaction fee, credit profile, issuer terms access, and the practical trade-off called out above.
Credit card terms, welcome offers, APRs, credits, and eligibility rules can change without notice. BillSaver summarizes publicly available card terms for comparison only; verify rates, fees, rewards, and offer language with the issuer before applying. BillSaver may earn compensation from some product links when approved relationships exist; compensation does not replace issuer terms or editorial fit. Source: issuer terms page linked above. Last checked May 18, 2026. Read the BillSaver credit card methodology and advertising disclosure.