Chase Sapphire Preferred Card

Picture a normal month: dinner out a couple of times, a subscription or two, gas, maybe a flight or hotel booked here and there.

Monthly spend booked through Chase Travel (5x) Monthly spend on dining, online groceries, streaming or gas/EV (3x) Monthly spend on everything else (1x)

Fill in your spending to see your reward

A grocery-only card leaves the dining and travel on the table. A flat card pays the same low rate on all of it, including the categories where you actually spend the most.

The Chase Sapphire Preferred® Card is built for exactly this kind of spread, several bonus categories at once.

When Your Spending Doesn't Fit One Category

5 points per dollar on travel booked through Chase Travel, 3 points per dollar on dining, online groceries, select streaming, vacation home rentals, and gas stations/EV charging, 1 point per dollar on everything else. $95 annual fee.

Detail	What it means
Chase Travel purchases	5x
Dining, online groceries, streaming, gas/EV, vacation rentals	3x
Everything else	1x
Annual fee	$95
Credit score recommended	Average approved score around 716, no official minimum published

The honest tradeoff: this one asks for a stronger score than the other two cards on this page, average approved applicants sit around 716, well above where our typical reader is today. It's named here because it's the rewards card people actually recognize, not because it's the easiest of the three to qualify for.

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Is 716 Realistic From Here?

This one takes longer than the other two cards on this page. The path is the same: pay on time every month, keep your balance well under your limit, and let the accounts you already have age. If one of this page's other two cards fits where you are right now, that's the more realistic next step, this one is what comes after. Either way, checking where you stand here doesn't cost you anything, it's a soft pull.

Because you picked "a bit of everything," not one category. Carrying a grocery card, a dining card, and a travel card to cover the same ground means tracking three accounts for spending that already fits under one. This card's three tiers (5x, 3x, 1x) cover the mix you described without needing a separate card for each piece of it.

No. Checking your options here is a soft pull, it won't affect your credit score.

Only if you use at least two or three of the bonus categories regularly, and value the travel transfer partners this card unlocks. If most of your spending falls outside those categories, a no-fee flat card pays more overall.

The other two cards on this page ask for closer to 670. This one is worth aiming for once those feel comfortable, not the first step.

Want to check the other options?

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