21
Benefits6
Reward Categories5x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 6 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Travel (Chase Travel Portal) | 5x | Points | Travel purchased through Chase Travel℠ | No Cap | |
| Dining | 3x | Points | Purchases at restaurants. | No Cap | |
| Streaming Services | 3x | Points | Purchases on select streaming services. | No Cap | |
| Online Grocery Purchases | 3x | Points | Online grocery purchases (excluding Walmart, Target, and wholesale clubs). | No Cap | |
| Travel (General) | 2x | Points | All other travel purchases not made through Chase Travel℠. | No Cap | |
| All Other Purchases | 1x | Points | All purchases not falling into a bonus category. | No Cap |
Rewards Summary
PENDINGReward Type: Ultimate Rewards Points
Base Rate: 1x
Bonus Rate: 5x
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.
Quarterly Rotating: No
Expiration Policy: Points do not expire as long as the account is active and in good standing.
Point Value: 0.02¢
Travel Portal Multiplier: 1.25x
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.
Redemption Penalties: No direct penalties; however, points redeemed for cash back, gift cards, or statement credits are valued at 1 cent per point, which is lower than travel portal or transfer partner redemptions.
Benefits & Protections (Detailed) 21 Total
PENDINGLifestyle 2
Complimentary DoorDash DashPass Subscription
Complimentary subscriptionEnjoy a complimentary DashPass subscription from DoorDash for a minimum of one year when you activate by December 31, 2024. DashPass provides unlimited deliveries with $0 delivery fees and reduced service fees on eligible orders.
Complimentary Instacart+ Membership and Statement Credits
Complimentary membership + up to $15 quarterly creditEnjoy a complimentary Instacart+ membership for one year and receive up to $15 in statement credits each quarter through July 2024.
Purchase Protection 2
Purchase Protection
Up to $500 per claimCovers your new purchases against damage or theft for 120 days from the purchase date. Coverage is up to $500 per claim and up to $50,000 per account.
Extended Warranty Protection
Up to $10,000 per claimExtends the time period of the original manufacturer's warranty by an additional year on eligible warranties of three years or less. Coverage is up to $10,000 per claim and up to $50,000 per account.
Rewards Earning 7
5x Points on Chase Travel Purchases
5x pointsEarn 5 points per $1 on travel purchased through Chase Travel℠, including flights, hotels, car rentals, and cruises.
3x Points on Dining
3x pointsEarn 3 points per $1 on dining, including eligible delivery services, takeout, and restaurants.
3x Points on Online Grocery Purchases
3x pointsEarn 3 points per $1 on online grocery purchases (excluding Walmart, Target, and wholesale clubs).
3x Points on Select Streaming Services
3x pointsEarn 3 points per $1 on select streaming services.
2x Points on Other Travel Purchases
2x pointsEarn 2 points per $1 on all other travel purchases not made through Chase Travel℠, such as directly with airlines or hotels.
1x Points on All Other Purchases
1x pointEarn 1 point per $1 on all other eligible purchases.
10% Anniversary Point Bonus
10% bonus pointsEach account anniversary, you'll earn bonus points equal to 10% of your total purchases made the previous year. For example, if you spent $25,000, you'd get 2,500 bonus points.
Rewards Redemption 2
25% More Value for Travel Redemption
1.25 cents per pointGet 25% more value when you redeem points for airfare, hotels, car rentals, and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
1:1 Point Transfer
1:1 transfer ratioTransfer your points 1:1 to leading airline and hotel loyalty programs, maximizing your travel options.
Travel 2
No Foreign Transaction Fees
0% foreign transaction feesMake purchases abroad without incurring foreign transaction fees.
Annual Hotel Credit
Up to $50 annual creditReceive up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Travel℠.
Travel Insurance 6
Trip Cancellation/Interruption Insurance
Up to $20,000 per tripIf your trip is canceled or interrupted by covered situations like sickness or severe weather, you can be reimbursed for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels. Coverage is up to $10,000 per person and $20,000 per trip.
Primary Auto Rental Collision Damage Waiver
Up to the actual cash value of most rental vehiclesDecline the rental company's collision insurance and charge the entire rental cost to your card. You're covered for theft and collision damage for most rental cars in the U.S. and abroad. This coverage is primary, meaning it reimburses you before your personal insurance.
Baggage Delay Insurance
Up to $100 per day for up to 5 daysIf your checked baggage is delayed by more than 6 hours by the carrier, you can be reimbursed for essential purchases like toiletries and clothing.
Trip Delay Insurance
Up to $500 per ticketIf your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging.
Roadside Assistance
Up to $50 per service callIf you have a car breakdown, you can call for a tow, jumpstart, tire change, lockout service, or fuel delivery. Services are available 24/7. Up to $50 per service call, up to 4 times per year.
Travel and Emergency Assistance Services
Assistance servicesConnects you with the appropriate local emergency resources, including medical and legal referrals, when you're away from home. (Cardholders are responsible for the cost of any goods or services obtained).
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Global Entry Credit: $100
TSA PreCheck Credit: $100
Sign-Up Bonus
PENDING60,000
Points/MilesRequirement: Spend $4,000 in 90 days
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.
Fee Structure
PENDING| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $95.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.30% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| 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 & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.24%
Balance Transfer APR: 0%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 0 months
Intro BT APR: 0% for 0 months
Promo Duration: 0 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: 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.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: The primary 'cliff effect' for the Sapphire Preferred card is the **Sapphire Family Rule**: You cannot receive the sign-up bonus if you 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. This means you must plan your Sapphire card applications carefully to maximize bonus eligibility over time.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.3 / 5.0
Top Positive:
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:
Annual fee, no lounge access, earning rates can be lower than premium cards for some categories, some users prefer cash back.
Approval Experience: 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
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v1.0