Chase Sapphire Preferred — 75,000 Ultimate Rewards Sign-Up Bonus (2026 Review)
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Rewards Earning
Key Benefits
- $50 annual hotel credit (book via Chase Travel)
- Anniversary points (10% of prior-year spend)
- Transfer to Hyatt, United, Southwest, et al.
- Trip cancellation + delay insurance
- Primary rental car CDW
Overview
The Chase Sapphire Preferred is currently offering 75,000 Ultimate Rewards after $5,000 in purchases within 3 months. It carries a $95 annual fee, offset by roughly $50 in year-one statement credits. Estimated net year-one value: $705 based on a 1¢ per-point valuation.
Who This Card Is For
Cardholders who can fully use the 75,000 Ultimate Rewards bonus, the $50 in credits, and any travel benefits — and who'd find the value even after the $95 annual fee.
How to Maximize the Sign-Up Bonus
To hit the $5,000 requirement in 3 months, you need about $1,667 per month in organic spend on this card. Route any predictable monthly bills you'd otherwise pay from a debit card — utilities, groceries, gas, streaming subscriptions — through the Chase Sapphire Preferred until you've earned the 75,000 Ultimate Rewards bonus. Mind your issuer rules: Chase will deny this if you've opened 5+ personal cards in the last 24 months. Use the year-one credits early — they often expire on a calendar cycle, not 12 months from account opening.
Pros
Cons
How This Compares
Within Chase's personal lineup, the closest comparison is the Chase Amazon Prime Visa ($200 after $0/0mo, $0 AF). The Chase Sapphire Preferred is the right pick when you value premium benefits and credits over a no-fee structure.
Frequently Asked Questions
What's the current Chase Sapphire Preferred sign-up bonus?
As verified directly from the issuer offer page, the current bonus is 75,000 Ultimate Rewards after spending $5,000 on purchases within 3 months of account opening.
What's the Chase Sapphire Preferred annual fee?
The annual fee is $95. It is partially offset by approximately $50 in year-one statement credits.
Does the Chase 5/24 rule apply to this card?
Yes. If you've opened five or more personal credit cards in the last 24 months, Chase will auto-deny this application regardless of credit score.
How long does the Chase Sapphire Preferred sign-up bonus take to post?
Once you cross the $5,000 spend threshold, the bonus typically posts within 1–2 statement cycles — call it 6–8 weeks from the day you hit the requirement. Track the milestone in Stacks OS Spending so you don't miss the deadline.
Related Cards
Add this offer directly to your dashboard so you can track its requirements, deadline, and payout.
Nathaniel covers the best bank bonuses, credit card strategies, and savings optimization on his YouTube channel.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.