Chase Sapphire Preferred Card
The entry point to transferable Chase points, priced low enough that the maths rarely needs defending.
- Annual fee
- $95
- Points
- Transferable to the same partners as the Reserve
- The decision
- Usually a question of application timing, not of value
Fits
First-time points users, and anyone who wants transfer partners without a premium fee.
Doesn't fit
People who never redeem for travel — a flat cash-back card is simpler and cheaper.
What changed on this card
Documented changes only. If we haven't verified it against the issuer's own terms, it isn't on this timeline.
- Neutral
Welcome offer moved to 75,000 points with a matching minimum spend
Solid, not historic. Apply only if the minimum spend fits your normal budget and this is genuinely the best application you could make this quarter.
Read the analysis →
What's the answer for this card?
What we checked
- 1Chase Sapphire Preferred — current offer and terms
Chase — Published fee, welcome offer, and minimum spend requirement.
- 2What is a hard inquiry?
Consumer Financial Protection Bureau — The application cost people leave out of bonus math.