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A closer look, side by side.

Fees, rewards, and benefits — with room to see the differences.

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Chase Sapphire Preferred
Chase
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Annual fee$95
Foreign txn fee0%
RewardsChase Ultimate Rewards
Credits (realistic / face)$90 / $130
Earning by category
Everything else 1% 1x Chase UR
Dining & restaurants 3% 3x Chase UR
Food delivery apps 3% 3x Chase UR
Online grocery / delivery 3% 3x Chase UR
Gas stations 3% 3x Chase UR
EV charging 3% 3x Chase UR
Travel (general) 2% 2x Chase UR
Airfare (booked direct) 2% 2x Chase UR
Hotels (booked direct) 2% 2x Chase UR
Vacation rentals 3% 3x Chase UR
Rental cars 2% 2x Chase UR
Cruises 2% 2x Chase UR
Transit 2% 2x Chase UR
Rideshare 2% 2x Chase UR
Parking & tolls 2% 2x Chase UR
Issuer travel portal 2% 2x Chase UR
Online travel agencies 2% 2x Chase UR
Streaming services 3% 3x Chase UR
Protections
rental carprimary
cell phone—
purchase protection120 days, up to $500 per item
extended warranty+1 year on warranties of 3 years or less
trip cancellationUp to $10,000 per covered traveler / $20,000 per trip
trip delayUp to $500 per covered traveler after 12 hours
baggage delayUp to $100/day for 5 days after 6 hours
return protection—
Benefits
No foreign transaction fees✓ No foreign transaction fees
Transfer partners (airlines/hotels)✓ 1:1 transfer partners (Hyatt 4:3)
Boosted portal redemption value✓ Points Boost on Chase Travel
Hotel statement credit✓ $100 annual Chase Travel hotel credit
Global Entry / TSA PreCheck / NEXUS credit✓ Global Entry / TSA PreCheck / NEXUS credit
Complimentary membership (Walmart+, DashPass, Instacart+, Lyft Pink, Apple TV+, etc.)✓ Complimentary Apple TV (1 year)
Primary rental car collision coverage✓ Primary auto rental collision damage waiver
Trip cancellation / interruption insurance✓ Trip cancellation / interruption insurance
Trip delay reimbursement✓ Trip delay reimbursement
Baggage delay insurance✓ Baggage delay insurance
Lost luggage reimbursement✓ Lost luggage reimbursement
Emergency medical evacuation✓ Emergency evacuation and transportation
Travel accident insurance✓ Travel accident insurance
Purchase protection✓ Purchase protection
Extended warranty✓ Extended warranty protection