Chase Sapphire Preferred
First-time travel-rewards card, sweet-spot earn rates
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5-year value calculator
How much Chase Sapphire Preferred actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
Reward rates
What you earn back, by category.
60,000 bonus points after spending $4,000 in first 3 months (~$750 in travel)
What you get
- 5x points on travel booked through Chase Ultimate Rewards
- 3x on dining (incl. takeout & delivery)
- 2x on all other travel
- 25% more value when redeeming for travel via Chase Ultimate Rewards portal
- No foreign transaction fees
- Trip cancellation/interruption insurance, primary auto rental coverage
Eligibility
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
Best SaaS to pay with the Chase Sapphire Preferred
The SaaS subscriptions where Chase Sapphire Preferred earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹1,21,635/yr.
Greenhouse
Premium tier rewards rate of 1% on Greenhouse subscriptions.
Drift
Premium tier rewards rate of 1% on Drift subscriptions.
Vanta
Premium tier rewards rate of 1% on Vanta subscriptions.
Drata
Premium tier rewards rate of 1% on Drata subscriptions.
WorkOS
Premium tier rewards rate of 1% on WorkOS subscriptions.
dbt
Premium tier rewards rate of 1% on dbt subscriptions.
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