Fine Print Bureau
Chase Sapphire Preferred
Verified 2026-10-11 against Chase Bank's own terms page.
What it costs
- Annual fee: $95
- APR range: 19.49%–27.74%
- Foreign transaction fee: None
What you get, and what you have to do to get it
- Auto Rental Coverage (per trip)
- Baggage Delay Insurance (other)
- DoorDash Monthly Promotion (monthly)
- Emergency Evacuation and Transportation (per trip)
- Extended Warranty Protection (one time)
- Global Entry or TSA PreCheck or NEXUS Application Fee Credit (other)
- Lost Luggage Reimbursement (per trip)
- Purchase Protection (other)
- Roadside Assistance (per trip)
- Travel Accident Insurance (per trip)
- Travel and Emergency Assistance (per trip)
- Trip Cancellation and Interruption Insurance (per trip)
- Trip Delay Reimbursement (per trip)
Only benefits whose terms have cleared review are listed — a benefit the issuer advertises but that has not been verified here is omitted rather than repeated. Per-benefit values are not shown because the underlying field mixes dollars, miles, points and insurance limits without recording which. The dollar question is answered below.
What the fee costs you regardless of use
The $95 annual fee is charged whether or not you use any of the benefits above. Against it, our Fee Reality model estimates $75 of credit value actually realized by a typical cardholder, out of $100 of advertised face value.
Modeled, confidence grade C — not a measurement of your own redemptions. See the Fee Reality Check for the credit-by-credit breakdown.
Date verified and source
Verified 2026-10-11 directly against the issuer's published terms: View Chase Bank's official terms page
Every figure above traces to a source-evidence row reviewed against the issuer's own terms page — not an aggregator. See the Fine Print Bureau methodology.