Chase Sapphire Preferred Card

Chase · Personal card · Checked against Chase's terms Oct 24, 2026

The Chase Sapphire Preferred earns 3x Chase Ultimate Rewards at restaurants, at gas stations and EV charging, on streaming services and at online grocery and delivery; and 1x Chase Ultimate Rewards on everything else. $95 a year. earnrate counts Chase Ultimate Rewards at 1¢ each; transferring to airlines or hotels can be worth up to about 2.05¢.

Add it to your wallet

Where it's in the top 3

Lyft (5%) · Instacart (3%) · online grocery and delivery (3%) · Amazon Fresh (3%)

Earning rates

5
Chase Travel 5x Chase Ultimate Rewards
Bookings through FROSCH or Valerie Wilson Travel by Chase Travel earn 2x instead.
“5 points (“5X points”) on Chase Travel purchases” creditcards.chase.com
5
Lyft 5x Chase Ultimate Rewards
Limited-time offer on Lyft rides.
- Through Sep 30, 2027
“Earn 5x on Lyft rides through 9/30/27” creditcards.chase.com
3
Restaurants 3x Chase Ultimate Rewards
Includes takeout and eligible delivery services.
“3x points on dining” creditcards.chase.com
3
Gas stations and EV charging 3x Chase Ultimate Rewards
“3x points on gas stations, EV charging” creditcards.chase.com
3
Airbnb, Vrbo, Vacasa, Plum Guide and Homestay.com 3x Chase Ultimate Rewards
Only bookings made directly with these brands. A Vrbo stay billed by the property manager doesn't count; only the part Vrbo bills does.
“Only bookings made directly with the following merchants will qualify” chase.com
3
Streaming services 3x Chase Ultimate Rewards
Only "top streaming services", listed at chase.com/RewardsCategoryFAQs.
“3x points on top streaming services and online grocery” creditcards.chase.com
3
Online grocery and delivery 3x Chase Ultimate Rewards
- Not at warehouse clubs, Walmart or Target
“online grocery (excluding Target ® , Walmart ® and wholesale clubs)” creditcards.chase.com
2
Travel 2x Chase Ultimate Rewards
“spent on purchases made in the travel category” creditcards.chase.com
2
Transit 2x Chase Ultimate Rewards
Chase's travel category includes passenger trains, buses, taxis, ferries, tolls and parking. Rideshare codes as a taxi.
“on top of the 2 points earned on travel purchases” creditcards.chase.com
1
Everything else 1x Chase Ultimate Rewards
“You’ll earn 1 point for each $1 spent on all other purchases” creditcards.chase.com

Public welcome offer

75,000 Chase Ultimate Rewards after $5,000 in purchases in 3 months, per the issuer's page. Offers vary by person and by how you apply. Chase: "This credit card is unavailable to you if you currently have this card open. The new cardmember bonus may not be available to you if you previously held this card or received a new cardmember bonus for this card." Chase may also weigh how many cards you've opened and closed.

Sources

Rankings compare personal cards, each set up at its best for the purchase, with points at earnrate's default value. Rates change; check Chase's terms before you apply.