Is the Chase Sapphire Preferred worth the $95 annual fee?
Only if the value you actually use clears $95. Chase advertises up to $170 across 5 benefits, but 5 expire on a deadline. Here is the math, from the issuer’s own terms.
Source review in progress for this card. This page is unlisted until every figure is confirmed against Chase’s official terms.
The short answer
What the $170 is actually made of
Advertised totals assume perfect usage. That is why we separate value that arrives on its own from value you have to chase, and never count value you have to earn.
Illustrative fee example
Example only — your result depends on what you actually use. Assumes every auto-counted credit posts, half of the capturable credit value is actually used, and no conditional value is counted.
Every tracked benefit, and what it takes to get it
$10/mo on grocery/retail/DashMart; requires DashPass active
10% of prior-year spend in points each account anniversary; not dollarized
Trip cancellation/interruption, baggage delay, primary auto rental CDW
Who this card is not for
- Anyone who would use less than $95 of value a year — at that point the fee is a straight loss, no matter how good the card looks on paper.
- People who dislike deadlines. 5 benefits expire on a schedule and do not roll over.
Official sources
Every fee, credit and restriction on this page is taken from Chase’s own published pages — never from a blog, forum or affiliate roundup. WorthTheFee is not the issuer and is never paid to change a verdict.
Verification in progress — this card has not yet been reviewed against issuer sources. Issuers change terms without notice. Confirm on the issuer page before applying.
Chase Sapphire Preferred FAQ
What is the annual fee on the Chase Sapphire Preferred?
Chase lists the Chase Sapphire Preferred annual fee at $95. If you hold an older version of the card at a different fee, you can enter your actual fee in the WTF Check so the math reflects what you really pay.
What is the break-even point on the Chase Sapphire Preferred?
You break even once the value you actually use reaches $95. WorthTheFee tracks 5 benefits worth up to $170 in listed value — that is the maximum, not a guarantee. Unused credits do not count toward break-even.
Do any Chase Sapphire Preferred benefits count automatically?
No. Every tracked benefit on this card requires you to use it or meet a condition, so WorthTheFee starts your net value at $-95 and only adds value as you confirm usage.
How often do the Chase Sapphire Preferred credits reset?
Credits reset on different clocks: 5 reset once a year. Unused credits do not roll over — when a period ends, that value is gone.
Do unused Chase Sapphire Preferred credits roll over?
No. Statement credits expire at the end of their period. That is why WorthTheFee counts only the value you confirm you will use, rather than the issuer's advertised total.
Where did WorthTheFee get these Chase Sapphire Preferred benefit values?
From Chase's own published card and terms pages, linked in the Official sources section on this page. WorthTheFee is not the issuer and does not receive payment to change a verdict.
Mark the credits you would actually use and get your own verdict — Worth It, Watch It, or Cancel. No bank login. No card number.
Run the WTF Check