Sapphire Preferred

Chase

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Sign-up Bonus

75K bonus points after spending $5K within the first three months from account opening.

Am I eligible?

Earning Structure

5XLyft (through 9/30/2027)7.5%

5XPeloton equipment and accessories over $150 (through 12/31/2027, max 25K points)7.5%

5XTravel booked through Chase Travel7.5%

3XDining4.5%

3XGas & EV charging4.5%

3XOnline Grocery (excluding Target, Walmart, and Wholesale Clubs)4.5%

3XSelect streaming services4.5%

3XVacation homes4.5%

2XTravel including airlines, hotels, motels, timeshares, rental car agencies, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages3%

1XAll other purchases1.5%

Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.

Is this the best card for Lyft (through 9/30/2027)?Is this the best card for Peloton equipment and accessories over $150 (through 12/31/2027, max 25K points)?Is this the best card for Travel booked through Chase Travel?

Where this card ranks

What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.

Benefits

Worth it for me?

Credits & Perks (3)

Hotel Credit: $100 (Annual Cardmember Year)
Up to $100 annual statement credit for prepaid hotel stays booked through Chase Travel
DoorDash Grocery/Retail (non-restaurant): $10 (Monthly)
Monthly credit on non-restaurant DoorDash orders with DashPass (activation required, through 12/31/27)
Global Entry / TSA PreCheck / NEXUS Credit: $120 (Every 4 Years)
Up to $120 every 4 years as reimbursement for Global Entry, TSA PreCheck, or NEXUS application fee

Protections (9)

Travel Accident Insurance — up to $500,000 — Up to $500,000 for death/dismemberment on common carrier
Trip Cancellation/Interruption — up to $10,000 — Up to $10,000 per person, $20,000 per trip for pre-paid, non-refundable travel expenses
Trip Delay — up to $500 — Up to $500 per ticket for delays over 12 hours or overnight stay
Baggage Delay — up to $500 — Up to $100 per day for 5 days for baggage delays over 6 hours
Lost Luggage Reimbursement — up to $3,000 — Up to $3,000 per traveler for lost, damaged, or stolen checked or carry-on baggage
Emergency Evacuation — up to $100,000 — Up to $100,000 for emergency evacuation medical services and transportation when a covered traveler is injured or becomes sick during a trip 100 miles or more from home.
Purchase Protection — up to $500 — 120 days coverage for theft/damage up to $500 per claim, $50,000 per account
Extended Warranty — up to $10,000 — Extends manufacturer's warranty by 1 year (max 3 years original)
Auto Rental Collision Damage Waiver (primary) — Primary coverage up to $60,000 for rental car damage/theft (secondary for NY residents with personal auto insurance)

Other Perks

10% Anniversary point bonus (eligible purchases through 10/1/26 for cardmembers who applied before 6/15/26; awarded by 1/31/27; not available to applicants on or after 6/15/26)
Points Boost feature: Baseline 1.0¢ per point in Chase Travel; up to 1.5¢ on select hotels (The Edit) and 1.25-1.75¢ on select flights
Grandfathering: Points earned through October 25, 2025 by cardmembers who applied before June 23, 2025 can be redeemed at 1.25¢ per point in Chase Travel until October 25, 2027.
Complimentary DashPass for DoorDash and Caviar: activate by 12/31/2027 for at least 12 months of membership
One year of complimentary Apple TV when activated by 12/31/26