Chase Sapphire Preferred®: 75,000 bonus points welcome offer
Everything about the Chase Sapphire Preferred offer: how to earn the 75,000 points, its reward categories, hotel credit and travel insurance, all for a $95 annual fee.
Published Nov 13, 2026 · Verified Oct 29, 2026
- Welcome offer
- 75,000 bonus points
- Spending requirement
- $5,000 in purchases in the first 3 months
- Annual fee
- $95 USD
The Chase Sapphire Preferred® is one of the most recommended starter travel cards. Its annual fee is only $95, it earns bonus points in everyday categories, and its points transfer to airline and hotel partners.
The welcome offer
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That works out to about $1,667 per month, a reachable goal for many households that put their regular spending on the card.
Points generally post 6 to 8 weeks after you meet the requirement.
What doesn’t count
Balance transfers, cash advances, cash-like transactions, gambling, person-to-person transfers, account funding, convenience checks, interest, fees and unauthorized charges do not count toward the spending requirement.
How you earn points
| Category | Points per dollar |
|---|---|
| Travel purchased through Chase Travel℠ | 5x |
| Dining | 3x |
| Online grocery (excluding Target, Walmart and wholesale clubs) | 3x |
| Select streaming services | 3x |
| Gas stations | 3x |
| EV charging | 3x |
| Other travel | 2x |
| Everything else | 1x |
Each account anniversary you also earn bonus points equal to 10% of your purchases from the previous year. For example, if you spent $25,000, you get 2,500 extra points.
Points transfer 1:1 to airline and hotel partners, which is where many people get the most value. The card charges no foreign transaction fees.
Benefits that offset the fee
- Hotel credit: up to $100 per account anniversary year on hotels booked through Chase Travel. The first $100 of those purchases earns no points.
- Global Entry, TSA PreCheck® or NEXUS: one application-fee credit up to $120 per account every 4 years.
- DoorDash DashPass: activate by December 31, 2029. Plus one $10 monthly discount on eligible non-restaurant orders (no rollover).
- Apple TV: the primary cardmember gets at least 12 complimentary months when activated by December 31, 2026. The then-current price applies afterward.
- Lyft: 5x total points on eligible rides through September 30, 2027.
- Peloton: 5x total points on eligible equipment and accessories over $150, on up to $5,000 in purchases for the whole promotion (through December 31, 2027).
Insurance and protections
This is one of the card’s strongest points, especially for a $95 fee:
- Primary rental car coverage: theft and collision damage up to $60,000, for up to 31 consecutive days. It’s primary, so you don’t have to go through your personal insurance first. Exception: New York residents renting in the US who have personal auto insurance get excess coverage.
- Trip cancellation and interruption: up to $10,000 per traveler, $20,000 per trip and $40,000 per account every 12 months.
- Trip delay: up to $500 per traveler when a delay exceeds 12 hours or requires an overnight stay.
- Baggage delay: up to $100 per day for up to 5 days when bags are delayed more than 6 hours.
- Lost or damaged luggage: up to $3,000 per traveler per trip.
- Emergency evacuation: up to $100,000 on trips of 5 to 60 days more than 100 miles from home. Not medical insurance.
- Purchase protection for 120 days (90 days in New York), up to $500 per item, and one extra year of extended warranty.
Who can get the bonus?
The offer isn’t available to current cardmembers. If you’ve had this card before or previously received a welcome bonus, you may not qualify; your history of opened and closed accounts can also matter. To receive the points, your account must be open and in good standing.
Is it worth it?
It may be a fit if: you want to start earning travel points without a high fee, you spend on dining, gas or online groceries, or you rent cars often. Primary rental coverage and the hotel credit alone can offset the $95 fee.
It’s probably not a fit if: you prefer simple cash back, you don’t travel, or you can’t pay your balance in full each month. Rewards never make up for interest on debt.
Chase generally approves this card for applicants with good credit. If you’re building credit in the US, check your score first and avoid applying for many cards in a short period.
The data in this article was verified against Chase’s official information. Offers and benefits can change; always confirm the current terms before applying.