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 on travel booked through Chase.

Offer history

Current offer

100,000

$1,500 bonus · $1,660 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· last 5 yrs

Plot

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.

Offer	Bonus	Value	Year 1	Return	Date
PUBLIC ATH	100,000$5k · 90d	$1,500	$1,660	33%	Jun ’26
AF $95 · benefits updated · Jun 2026
PUBLIC	75,000$5k · 90d	$1,125	$1,123	22%	Jun ’25
PUBLIC	100,000$5k · 90d	$1,500	$1,498	30%	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; 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 on eligible orders, for 12 months.
Global Entry credit$120one-time
Up to $120 every four years toward a Global Entry or TSA PreCheck application fee, as a statement credit.
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

standard values

SUB value	+$1,500
100,000 UR ×
Benefits (Year 1)	+$255
↳ $616 at sticker value — before custom valuations Ongoing DoorDash credit($10/mo × ) DoorDash credit $10/mo × ends Dec 2027 $54 DashPass + DoorDash($120 × ) DashPass + DoorDash $120 × $48 Hotel credit (Chase)($100 × ) Hotel credit (Chase) $100 × $45 One-time Apple TV (1 yr)($156 × ) Apple TV (1 yr) $156 × ends Dec 2026 $78 Global Entry credit($120 × ) Global Entry credit $120 × $30
Annual fee	−$95
Year 1	$1,660
Return for spending $5k	33%