Chase Sapphire Preferred Card
Basic Information
Program ID: chase-sapphire-preferred-card
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Premium
Data Complete: Yes
Created: 01/07/2026 12:01
Last Scraped: 01/15/2026 07:00
Fee Structure
| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $95.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $60,000.00
Spending Requirement: $4,000.00
Time Period: 90 days
Bonus Timing: Points typically post to your account within 6-8 weeks after you meet the spending requirement, usually after the statement period in which the threshold was reached.
Rewards Program
Reward Type: Ultimate Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on travel purchased through Chase Travel℠ (excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit), 3x on dining, online grocery purchases (excluding Walmart, Target, and wholesale clubs), and select streaming services, 2x on other travel purchases, 1x on all other purchases.
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as the account is active and in good standing.
Transfer Partners: United Airlines, Southwest Airlines, British Airways Executive Club, Iberia Plus, Aer Lingus AerClub, Air France-KLM Flying Blue, Singapore Airlines KrisFlyer, Virgin Atlantic Flying Club, Emirates Skywards, JetBlue TrueBlue, World of Hyatt, Marriott Bonvoy, IHG One Rewards.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $100.00
- TSA PreCheck Credit: $100.00
Approval Criteria
Recommended FICO Range: 690 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: To be eligible for the Chase Sapphire Preferred card in 2026, applicants must generally have excellent credit (typically FICO score 700+), be a U.S. resident, and be 18 years or older. Key application rules include: 1. **Chase 5/24 Rule**: Applicants will be denied if they have opened 5 or more personal credit cards across *any* issuer in the past 24 months. 2. **Sapphire Family Rule**: Applicants are ineligible for the sign-up bonus if they currently hold *any* Chase Sapphire card (Preferred or Reserve) or have received a sign-up bonus for *any* Chase Sapphire card in the last 48 months. 3. **Bonus Offer**: The typical sign-up bonus requires meeting a specified minimum spending threshold within the first 3 months of account opening (e.g., spend $4,000 in purchases). Specific bonus points vary by offer.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS) that is excessive or easily detectable, high cumulative credit limit across all Chase cards relative to reported income, rapid succession of applications for Chase cards, frequent or large balance transfers without clear purpose, bouncing payments, late payments, or other negative account behavior, and suspicious activity flagged by fraud detection systems.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.3 / 5.0
Top Positive Feedback:
Excellent sign-up bonus, flexible Chase Ultimate Rewards points, strong travel and dining earning categories, primary car rental insurance, no foreign transaction fees.
Top Negative Feedback:
Annual fee, no lounge access, earning rates can be lower than premium cards for some categories, some users prefer cash back.
Approval Experience Score: 88.0 / 100
Recommended Alternatives
- Chase Sapphire Reserve
- Capital One Venture X Rewards Credit Card
- American Express Gold Card
Card Value Score: 90.0 / 100
Est. Annual Rewards: $636.25
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 54 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0