Card economics
Chase Sapphire Preferred
Annual fee
$95/yr
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Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
| Category | Rate |
|---|---|
| Chase Travel - Flights | 5xPortal only |
| Chase Travel - Hotels | 5xPortal only |
| Chase Travel - Rental Cars / Activities | 5xPortal only |
| Dining | 3x |
| Streaming | 3x |
| Groceries — online | 3x |
| Gas stations (excluding Costco Gas) | 3x |
| EV Charging | 3x |
| Travel - Vacation Homes | 3x |
| Flights outside issuer portals | 2x |
| Hotels outside issuer portals | 2x |
| Other travel outside issuer portals | 2x |
| Travel - Car Rentals / Agencies / Cruises | 2x |
| Tours & Activities (booked direct) | 2x |
| Amex Travel - Flights | 2xPortal only |
| Amex Travel - Hotels | 2xPortal only |
| Amex Travel - Car Rentals / Cruises | 2xPortal only |
| Bilt Travel - Flights | 2xPortal only |
| Bilt Travel - Hotels | 2xPortal only |
| Everything else | 1xBase rate |
Transfer partners: Chase Ultimate Rewards
Fee calculator
Sticker Fee
$95/yr
Credits
-$30
Effective Fee
$65
Credits & Benefits
Max: $100/yr · annual
Up to $100/year on hotel stays booked through Chase Travel portal. Must book via portal.
Max: $120/yr · every_4_years
Up to $120 every 4 years for Global Entry, TSA PreCheck, or NEXUS application fee.
Max: $156/yr · annual
Complimentary Apple TV for one year when activated by 12/31/2026.
Max: $120/yr · annual
Complimentary DashPass membership ($120 value) through 12/31/2027, plus $10/month DoorDash promo credit.
Catalog record last reviewed Aug 2, 2026. Issuer terms and available offers control and may change.
Next step
One card is a start. The modeled setup is the whole wallet.
The Chase Sapphire Preferred might be useful on its own, but the modeled combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal within that run's inputs or is the strongest valid setup found before timeout.
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