Chase Sapphire Preferred® Credit Card: annual fee, APR and rewards

Fact sheet for the Chase Sapphire Preferred® Credit Card, issued by Chase, with a $95 annual fee and points. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Chase
Network	Visa
Annual fee	$95 a year
Rewards	Points: 5x points on Chase Travel; 3x points on dining; 3x points on gas stations, EV charging, and vacation homes at top brands; 3x points on top streaming services and online grocery (exclusions apply); 2x points on all other travel; 1X points on all other purchases
Purchase APR	19.49% to 27.74% variable APR
Balance transfer fee	Either $5 or 5% of the amount of each transfer, whichever is greater
Sign-up bonus	Earn 75,000 points after you spend $5,000 in purchases in the first 3 months from account opening
Foreign transaction fee	None
Credit level	Excellent (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 27.49%, with a range of 19.24% to 27.49%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.