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Sapphire Preferred card art

Chase

Sapphire Preferred

AF $95⚡ ALL-TIME HIGH★ Keeper

What it is

The Sapphire Preferred is a Chase card earning Ultimate Rewards points. Its ongoing value can outweigh the annual fee, making it a potential keeper past year one. The friendly on-ramp to Ultimate Rewards — a modest fee, points that transfer 1:1 to airlines and hotels, and a 25% boost when you book travel through Chase.

Offer history

Current offer
100,000
$1,500 bonus · $1,686 year 1
Spend to earn
$5k
~$1,667/mo · 90d
All-time high
100,000
now
Timing
At its peak
matches all-time high
Value over time
Plot
$1,000$1,200$1,400$1,600$1,800$0$500$1k$1.5k$2kJune 2026 refresh: hotel credit doubled $50→$100 (Chase Travel, cardmember year); added $10/mo DoorDash credit, complimentary Apple TV (1yr, activate by Dec 31 2026), and emergency evacuation/transport coverage; 10% anniversary points bonus removed (earned through ~Oct 1 2026 then sunsets); annual fee unchanged at $95. (Hyatt transfers devalued 1:1→4:3.)AF $95 · benefits updatedAug ’21Nov ’24Jun ’25Jun ’26now
Year 1 (incl. perks)Bonus $Spend / mo (right)All-time highProduct refresh

Value is the welcome bonus at your valuations. The Year 1 total also counts recurring benefits and subtracts the annual fee. Spend / mo (the dashed line, right axis) is the monthly pace to clear the minimum spend in time — shown on every view so the spend stays in context.

OfferBonusValueYear 1ReturnDate
PUBLIC
ATH
100,000$5k · 90d$1,500$1,68630%Jun ’26
AF $95 · benefits updated · Jun 2026
PUBLIC
75,000$5k · 90d$1,125$1,15123%Jun ’25
PUBLIC
100,000$5k · 90d$1,500$1,52630%Mar ’25

What you get

No foreign transaction feesPrimary rental car insuranceTrip cancellation insurance
  • Apple TV (1 yr)$156one-time

    Complimentary one-year Apple TV subscription (~$156 value); must activate by Dec 31, 2026.

  • DoorDash credit$120per year

    Up to $10 in monthly DoorDash credits on non-restaurant orders (grocery/retail), through Dec 31 2027.

  • DashPass + DoorDash$120per year

    Complimentary DoorDash DashPass membership (waived delivery fees), a $120 value for 12 months.

  • Global Entry credit$120one-time

    Up to $120 statement credit every four years for a Global Entry / TSA PreCheck / NEXUS application fee.

  • Hotel credit (Chase)$100per year

    Up to $100 in statement credits on hotel stays booked through Chase Travel, each cardmember year.

Dollar figures are the benefit’s face value. What it’s worth to you — after realistic usage and your own point values — is in the receipt below.

The receipt

default values
SUB value+$1,500
100,000 UR × 1.50¢/pt
Ongoing benefits (yr 1)+$181
Hotel credit (Chase)
$100 × 85%
$85
DoorDash credit
$10/mo × 50%
$60
DashPass + DoorDash
$120 × 30%
$36
One-time benefits (yr 1)+$100
Apple TV (1 yr)
$156 × 45%
$70
Global Entry credit
$120 × 25%
$30
Annual fee−$95
Year 1$1,686
Return on $5k MSR30%
Score
Year-1 value
+11.8
All-time high
+25.0
Return on spend
+20.0
Keeper signal
+13.7
Benefit ease
+2.8
Base score73.2

Your score sharpens once you sign in — we add eligibility, spend-fit, and 5/24.

Thiccscore73 / 100

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Sapphire Preferred scores 73 here on default point values. See where it ranks against every card, scored for your points, spend, and eligibility.

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