Chase Sapphire Preferred® Credit Card
Chase Sapphire Preferred credit card (entry-level travel and UR points)Welcome offer: 75,000 UR points after meeting the spending requirement
Public offer: earn 75,000 UR points after $5,000 in eligible purchases within the first 3 months of account opening. Points post about 6–8 weeks after qualification; the account must be open and not in default when they post. Current holders of this card cannot apply again. Previous holders or recipients of a welcome offer for this card may be ineligible; Chase also considers the number of accounts opened and closed. Eligibility is not guaranteed after a fixed waiting period. Balance transfers, cash advances/cash-equivalent transactions, cryptocurrency, gambling, person-to-person transfers, account funding, account checks, interest, fees and unauthorized transactions do not qualify. This is the official public channel reviewed; other channels may differ. No common end date was published, and points do not have a fixed cash value.
12-MONTH WELCOME OFFER HISTORY
Past-year welcome offer history and recorded ranges
Standard offer (75k points / $5,000 spending requirement)
Browsing date (your device): . The browsing date is not a new verification date. Entries below retain their original recorded dates.
View past-year welcome offer details4 records
Decision considerations
Over the past 365 days, the recorded offer was 75,000 points with a $5,000 requirement for most of the period. A historical high of 100,000 points appeared in summer 2026 for 46 days, before returning to the 75k standard level. A targeted 125k offer through the Chase App or a preapproved channel can provide a more favorable application opportunity.
| Period | Welcome offer | Spending requirement | Status and notes |
|---|---|---|---|
| 2025/09/17–2026/06/14 | 75,000 UR points | $5,000 in the first 3 months | Public standard offer: spend $5,000 in the first 3 months after account opening to earn 75,000 points, with a baseline estimated value of approximately $938. |
| 2026/06/15–2026/07/30 | 100,000 UR points (historical-high limited-time offer) | $5,000 in the first 3 months | Summer limited-time promotion lasting 46 days: spend $5,000 in the first 3 months after account opening to earn 100,000 points, or 25k above the standard offer with the same spending requirement. |
| 2026/07/31–2026/08/31 | 75,000 UR points | $5,000 in the first 3 months | Return to the public standard offer: after the promotion, the reward returned to 75,000 points with a $5,000 spending requirement. |
| 2026/09/01–present (browsing as of )Original record: 2026/09/01–2026/09/16 (check date)Current record | 75,000 UR points | $5,000 in the first 3 months | Recorded public standard offer: spend $5,000 in the first 3 months after account opening to earn 75,000 points. Separate targeted 125k offers may appear through the App or preapproved channels. |
Chase Sapphire Preferred points and value estimator
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Annual purchase points (including the 10% bonus)
First-year total points (including the 75,000 welcome reward)
Estimated first-year net value (welcome reward and hotel credit included, annual fee deducted)
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Compared with a general cash-back card: why choose Sapphire Preferred?
| Benefit | Chase Sapphire Preferred (CSP) | General cash-back card (1.5%) |
|---|---|---|
| Welcome reward | ✓ 75,000 points (estimated transfer value approximately $1,500) | ✗ Typically approximately $150 – $200 cash back |
| Travel booking rewards | ✓ 5x points on travel booked through Chase | ✗ Fixed 1.5% rewards without increased redemption value |
| Transfers to partners | ✓ 1:1 transfers to Hyatt and airline partners including United | ✗ No points transfers; cash redemptions only |
| Rental coverage level | ✓ Primary rental collision coverage | ✗ Secondary rental coverage only |
| Annual travel credit | ✓ $50 annual hotel credit | ✗ No travel credit |
| Foreign transaction fee | ✓ $0 foreign transaction fee | ✗ Typically a 3% fee |
| Annual fee | ✓ $95 | ✗ $0 |
Rewards and everyday benefits
- $50 Annual Chase Travel Hotel CreditReceive up to $50 in hotel statement credits each account-anniversary year for hotels booked through Chase Travel, automatically credited to the statement.
- 5X Points on Travel via Chase TravelFlights, hotels, rental cars and other travel products booked through Chase Travel earn up to 5 UR points per dollar.
- 3X Points on Dining, Online Grocery & StreamingRestaurant purchases worldwide, including delivery and takeout; online groceries, excluding Target, Walmart and wholesale clubs; and select streaming subscriptions earn 3 points per dollar.
- 2X Points on Other Travel PurchasesGeneral travel booked outside Chase Travel, such as flights, hotels, trains, subways, tolls, parking and cruises, earns 2 points per dollar.
- 10% Anniversary Points BoostAt each account anniversary, receive 10% bonus points based on total purchases over the previous year, calculated at $1=1 point. For example, $20,000 in annual purchases earns 2,000 bonus points.
- 1.25 cents per point in portal redemptions (25% value increase)Cardholders redeeming points for flights, hotels or rental cars through Chase Travel receive 1.25 cents per point (10,000 points = $125).
- 1:1 points transfers to leading partners (1:1 partner transfers)Transfer points 1:1 to 14 airline and hotel programs, including Marriott, Hyatt, IHG, United, British Airways, Flying Blue and Singapore Airlines, for redemptions potentially worth more than 2.0¢ per point.
- Complimentary DoorDash DashPass & CreditsReceive complimentary DoorDash DashPass membership with eligible delivery-fee waivers after enrolling by 12/31/27, plus up to $10 monthly toward eligible nonrestaurant orders such as convenience stores and groceries.
- No Foreign Transaction FeesNo foreign transaction fee, suitable for international business travel, leisure travel and overseas online purchases billed in currencies other than U.S. dollars.
- Primary auto rental collision damage waiverPrimary rental coverage: decline the rental company's CDW to receive up to $60,000 for vehicle collision or theft without filing a claim with personal auto insurance, avoiding an increase in those premiums.
- Trip cancellation and interruption insuranceIf illness, severe weather or other covered circumstances cancel or interrupt a trip, prepaid nonrefundable airfare, passenger fares and hotel costs may be reimbursed, up to $10,000 per person and $20,000 per claim.
- Trip delay reimbursementIf common-carrier travel, such as a flight or train, is delayed more than 12 hours or requires an overnight stay, receive up to $500 per ticket for lodging, meals, transportation and necessities.
- Baggage delay and lost luggageBaggage delayed more than 6 hours can receive up to $100 per day for necessities for up to 5 days. Damaged or lost baggage is covered up to $3,000 per person.
- Purchase protection and extended warrantyItems accidentally damaged or stolen within 120 days of purchase can receive up to $500 per item (annual limit of 50,000). Eligible manufacturer warranties of up to 3 years receive one additional year.
Frequently asked questions and card tips
CSP is presented as a strong-value first midtier travel card. It particularly suits: (1) cardholders starting to earn Chase Ultimate Rewards (UR); (2) travelers with at least one annual hotel stay, for whom using the $50 hotel credit leaves an effective $45 annual fee; and (3) frequent renters seeking primary rental CDW without a claim on personal auto insurance after a collision.
Many credit cards offer secondary rental coverage, requiring a claim with personal auto insurance first, which can affect premiums. CSP offers primary coverage: pay the entire rental with the card and decline the rental company's CDW, then submit an eligible damage or theft claim directly without using personal auto insurance.
CSP cardholders have two main high-value redemption methods: (1) Chase Travel bookings, with a 25% increase to a fixed 1.25 cents per point (10,000 points = $125), suitable for flights not available through transfers or lower-cost boutique hotels; (2) partner transfers, potentially exceeding 2.0 cents per point. World of Hyatt is highlighted: a 1:1 transfer for high-end resorts can provide 2.0¢-3.0¢ per point. United and Virgin Atlantic are other options for business-class flights.
The page describes Chase's well-known 5/24 rule: if the credit report shows at least 5 personal card accounts opened across banks in the past 24 months, including authorized-user accounts and excluding certain business cards, an application is declined. It recommends prioritizing CSP and other core Chase cards before reaching 5/24. It also describes CSP and CSR (Sapphire Reserve) as one family, with a Sapphire welcome reward available once within 48 months.
