Chase Sapphire Preferred: 75,000 points after $5,000 spend in 3 months, $95 annual fee

· PerkSensei Desk

Last successful source check
Oct 14, 2026
Last verified
Oct 14, 2026, by our research team

Our deal scouts work to keep this offer current. Terms and eligibility can change. Confirm the details with the provider before applying.

Chase

In plain terms

Open the Chase Sapphire Preferred, spend $5,000 on eligible purchases within 3 months of opening the account, and you earn 75,000 points. The annual fee is $95 and is charged in year one.

Key terms

Reward
75,000 points
Spend
$5,000
Window
3 months from account opening
Annual fee
$95
Apply by
No public end date stated
Type
Personal, public offer
Bonus usually posts
6–8 weeks after you finish the spend

Before you apply

  • Current ownership excludes the bonus; prior ownership or bonuses and account-opening/closing history may affect eligibility. Apply through the corresponding offer.
  • Refunded or excluded transactions do not satisfy net qualifying spend. Keep the account eligible until fulfillment.
  • Applies to the linked offer channel; do not combine its bonus or spend requirement with another channel.
  • These don't count toward the spend: balance transfers, cash advances and cash equivalents, gambling, person-to-person transfers and account funding, fees and interest, unauthorized or fraudulent charges.
  • When the spending window starts: Account opening, not receipt of the physical card.

YMMV: approval and bonus eligibility are the issuer's decision.

What it's worth to you

Credits start at their full stated value. That's an assumption, not what you'll actually get. Mark anything you wouldn't fully use, and the totals update.

We start at 1¢, an example assumption from our research, not a cash price.

Welcome offer

Welcome bonus

75,000 points (Chase Ultimate Rewards) at your point value

$750

Benefits and credits

Airport security application credit

Up to $120 once every 4 years

  • One shared $120 reimbursement opportunity per four years for the first eligible program charge, including authorized-user charges. Direct official/enrollment-provider payments only; application-assistance services excluded.
  • Counted once in year one. After that we spread it over 4 years ($30 a year), not every year.

Year one $120 · After year one $30 a year

Chase Travel hotel credit

Up to $100 each account year

  • First $100 of eligible Chase Travel hotel purchases per account-anniversary year; credited amount earns no points. Refunds and closure within 90 days can reverse credits; account open and not in default.

Year one $100 · After year one $100 a year

DoorDash retail promo

Up to $10 a month ($120 a year)

  • One $10 nonrestaurant discount per calendar month through 2029-12-31 while eligible DashPass is active; single-order unused value is lost. Use the enrolled card directly; US account and eligible merchants/minimum order apply. No third-party wallet. Taxes, fees and tips are not covered; unused discounts expire, no rollover or cash value. Gift cards excluded; product changes can end the benefit.
  • Scheduled to end Dec 31, 2029.
  • Unused amounts don't roll over.

Year one $120 · After year one $120 a year

DashPass

The issuer says it's worth up to $120. That isn't a cash value.

  • Activate by 2029-12-31; complimentary until that date or for 12 months, whichever is longer. Primary and authorized users share the membership period. Use the enrolled card directly; US account and eligible merchants/minimum order apply. No third-party wallet. Taxes, fees and tips are not covered; unused discounts expire, no rollover or cash value. Gift cards excluded; product changes can end the benefit.
  • Activate by Dec 31, 2029.

Not counted

Apple TV

The issuer says it's worth up to $180. That isn't a cash value.

  • Primary member activates in Chase by 2026-12-31 for at least 12 months. One Apple account; eligible direct Apple TV billing is paused, then resumes at current price. Direct Apple One receives the stated alternative discount. Card closure/change ends eligibility; no perpetual renewal value.
  • One time only, so it counts in year one and not after.
  • Activate by Dec 31, 2026.

Not counted

Extra fees, or anything you'd buy only to use a credit.

Reset to full-value assumptions
Your estimate
Year oneAfter year one, per year
Welcome bonus$750$0
Rewards on the $5,000 required spend$50$0
Minus what a 2% card would earn on it−$100$0
Benefits you counted$340$250
Annual fee−$95−$95
Other costs$0$0
Estimated total$945$155

Sensei's Take

At your values, year one comes out about $945 ahead, mostly from the welcome bonus.

After year one it could be worth keeping, at about $155 a year, but only if you really use the benefits you counted.

2 items are marked Not sure and left out.

Not counted yet

Marked Not sure. Decide on these to include them.

  • DashPass
  • Apple TV
How we estimate this
  • Credits start at their full stated value. That's a starting assumption, not what you'll actually get. Change anything you won't fully use.
  • Items marked Not sure stay out of the totals until you decide.
  • Year one counts each yearly credit once. It doesn't assume you can use a calendar-year credit twice in your first account year.
  • Ongoing totals leave out everyday spending rewards, which depend on how much you spend.
  • Statement balances paid in full; no financing cost modeled.
  • Qualifying spend is normal eligible spending, net of returns.
  • A 2% alternative card is the baseline.
  • Point values are explicit examples, not cash guarantees.
  • An unvalued welcome certificate leaves full first-year total null; show the quantified subtotal separately.

Illustration only, not a promise of value. Terms can change; check the issuer's current terms.

Offer historyInsufficient history

We have one reviewed observation of this offer so far (Oct 14, 2026). History charts appear once we have enough comparable, reviewed offers, and gaps will show as gaps.

Sources