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Credit CardVisa
Chase Sapphire Preferred
Chase · United States
4.6
RatingKey Information
Annual Fee$95
CurrencyUSD
DifficultyMedium
Local ID RequiredYes
Credit HistoryRequired
NetworkVisa
Benefits & Rewards
- 5X on travel through Chase Travel
- 3X on dining and streaming
- 2X on other travel
- 25% more value when redeeming for travel through Chase
- No foreign transaction fees
- Trip cancellation insurance
Pros
- + Low $95 annual fee for premium benefits
- + Flexible Ultimate Rewards points
- + Great travel transfer partners
- + Solid travel protections
Cons
- - 5/24 rule limits eligibility
- - Lower earn rates than ultra-premium cards
- - No airport lounge access
Application Requirements
- Good to excellent credit (670+)
- US Social Security Number
- US residential address
- Not opened 5+ cards in last 24 months (5/24 rule)
Required Documents
SSNProof of income
Fees
Annual Fee$95
Foreign Transaction Fee$0
Balance Transfer Fee5% (min $5)
Cash Advance Fee5% (min $10)
Frequently Asked Questions
What is the Chase 5/24 rule?
Chase will generally deny applications if you've opened 5 or more credit cards (from any bank) in the past 24 months.
Can I upgrade to Sapphire Reserve later?
Yes, you can product change from Sapphire Preferred to Sapphire Reserve after 12 months.
$95
Annual Fee
Recommended for
Travel beginnersFlexible point usersBudget-conscious travelers
Tags
#travel#rewards#beginner-friendly#visa#chase
Last verified2026-05-14
SourceOfficial site
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Details Disclaimer: This page provides publicly available information only and does not constitute financial advice, credit advice, or application guarantees. Actual application conditions, fees, benefits, and approval results are subject to the official page of the issuing institution.
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