Chase Sapphire Preferred
By Alex Compton · Last verified
The best first travel card in the game. Full transfer partner access for $95.
Welcome Bonus
75,000
≈$1,538 value
Spend Requirement
$5,000
in 3 months
Annual Fee
$95
No FTF
Credit Score
700+
(Good-Excellent)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Consider waitingThis card has offered 100k before; the current 75k is right at its typical 75k. Elevated offers have appeared 1 time in the last two years of our data, so if you can wait, history is on your side.
Current offer
75k
All-time high
100k
Typical offer
75k
In place since
September 2025
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-09-05 | 75,000 | $5,000 in 3 mo | Terms reconfirmedPublic offer confirmed unchanged | Chase Sapphire Preferred product page → |
| 2026-01 | 75,000 | $5,000 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2025-09 | 75,000 | $5,000 in 3 mo | Bonus decreased: 100,000 → 75,000 | Archive record · no attached snapshot |
| 2025-02 | 100,000 | $5,000 in 3 mo | Bonus increased: 60,000 → 100,000 · Spend: $4,000 → $5,000Repeat all-time high | Archive record · no attached snapshot |
| 2024-07 | 60,000 | $4,000 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2023-10 | 60,000 | $4,000 in 3 mo | Bonus decreased: 80,000 → 60,000 | Archive record · no attached snapshot |
| 2023-05 | 80,000 | $4,000 in 3 mo | Bonus increased: 60,000 → 80,000 | Archive record · no attached snapshot |
| 2022-08 | 60,000 | $4,000 in 3 mo | Bonus decreased: 80,000 → 60,000 | Archive record · no attached snapshot |
| 2022-04 | 80,000 | $4,000 in 3 mo | Bonus increased: 60,000 → 80,000 | Archive record · no attached snapshot |
| 2021-10 | 60,000 | $4,000 in 3 mo | Bonus decreased: 100,000 → 60,000 | Archive record · no attached snapshot |
| 2021-06 | 100,000 | $4,000 in 3 mo | Bonus increased: 50,000 → 100,000All-time high | Archive record · no attached snapshot |
| 2016-01 | 50,000 | $4,000 in 3 mo | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Confirmed 75,000-point public offer and refreshed earning categories, $100 hotel credit, screening credit and promotional benefits
Fields: earningRates, credits, benefits, lastVerified
Chase Sapphire Preferred product page →
Source checked 2026-09-05 · spot an outdated offer? Report a correction above.
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Earning Rates
- 5xChase Travel purchases
- 3xDining, gas stations, EV charging and vacation homes at top brands
- 3xOnline groceries and select streaming
- 2xAll other travel
- 1xAll other purchases
Credits ($100/yr stated)
- Hotel credit$100
Chase Travel hotel bookings each account anniversary year
Benefits
- ✦1:1 transfers to Hyatt, United, Southwest and more
- ✦10% anniversary points boost on total spend
- ✦Primary rental car insurance
- ✦Trip delay, cancellation and baggage insurance
- ✦Up to $120 for Global Entry, TSA PreCheck or NEXUS every four years
- ✦One year of Apple TV when activated by December 31, 2026
- ✦12 months of DashPass when activated by December 31, 2027, plus a monthly $10 promotion
- ✦5x on eligible Peloton purchases over $150 through December 31, 2027
- ✦5x on Lyft rides through September 30, 2027
- ✦No foreign transaction fees
Why it earns its spot
- +Unbeatable value at $95
- +Same transfer partners as the $795 Reserve
- +Strong travel protections for the fee tier
- +Historically spikes to 100k bonuses, chart it
Where it costs you
- −Portal earn is 5x vs the Reserve's 8x
- −No lounge access
- −Subject to Chase 5/24
- −Unavailable to current cardmembers; prior ownership, a prior bonus and the number of cards opened or closed may affect bonus eligibility
The Compound Verdict
If you are starting your points journey, start here. Wait for a 75k+ offer (they cycle reliably), pair it with a Freedom Flex and Freedom Unlimited, and you have the strongest $95 setup in the hobby.
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