Start Here Cards Banking Blog About

Start My Bonus Plan

Get weekly bank payout plays

Bonus offers, APY opportunities, and fee traps to avoid.

The Stack

The rewards site that tells you exactly what to do next.

© 2026 The Stack. All rights reserved.

About Banking Privacy Terms Affiliate Disclosure Contact

Chase Sapphire Preferred Card | The Stack

Cards/Chase Sapphire Preferred Card

Chase

Chase Sapphire Preferred Card

Chase Sapphire Preferred Card by Chase

Best for general spending

Annual Fee

$95

Credit Profile

Good to excellent credit

Reward Style

Cash back

Foreign Spend

No foreign transaction fee

Quick Verdict

A mid-tier travel card with transferable Chase Ultimate Rewards points and no foreign transaction fees.

Estimated First-Year Net Value

+$655

Estimate = welcome offer + listed perks value - annual fee. Actual results vary.

•Good to excellent credit or better

•You can offset the $95 annual fee with real usage

•You want a solid all-around card

Check Current Offer

Compare against another card Back to card directory

First-Year Value Snapshot

Welcome Offer Est.

$750

Perks Value Est.

Not enough data

Annual Fee

$95

Welcome Offer

75,000 points (~$750 est.)

Spend $5,000 in the first 3 months

Estimate only. Real value depends on eligibility and redemption choices.

What We Like / Watch Outs

Pros

+Low annual fee for a transferable-points card
+Flexible redemptions and transfer partners
+No foreign transaction fees

Cons

-Lower premium benefits than top-tier travel cards

Rates & Terms

Credit needed: Good to excellent credit

Intro APR

No intro APR listed

Regular APR

Varies by issuer terms

Foreign transaction fee

None

Network

visa

Rates and offers can change. Confirm final terms on the issuer site before applying.

Is It a Fit?

Good fit if:

•Good to excellent credit or better
•You can offset the $95 annual fee with real usage
•You want a solid all-around card

Think twice if:

•You avoid paying annual fees
•You prefer travel transfer partner redemptions

Next Step

Compare this card against alternatives before deciding.

Compare Cards Find Better-Fit Cards