Verdict · Updated April 2026
Chase Sapphire Preferred for Dining & Restaurants
The Chase Sapphire Preferred is a solid pick for dining & restaurants — ranked #16 of 40 eligible cards. It's a reasonable choice but not the category leader; check the alternatives below before committing.
Rank #16 of 4062th percentileSolid option — check alternatives
Reviewed by CardCompare Editorial Board
|Data-driven ranking|Updated April 2026
Chase Sapphire Preferred
Chase · $95 annual fee
The gold standard for beginner and intermediate travel rewards. Earn 3x on dining and 2x on travel, with best-in-class trip delay reimbursement, primary car rental coverage, and no foreign transaction fees. Points transfer to 14 airline and hotel partners or redeem at 1.25 cents each through Chase Travel.
Full card review
Earn math — Dining & Restaurants profile
Based on typical dining & restaurants spending of $19,200/year across the categories below.
Annual rewards
$612
Annual fee
$95
Net value
$517
Dining multiplierDelivery creditsFast-food codingCoffee shop bonuses
Where the Chase Sapphire Preferred wins for dining & restaurants
- 3x on dining — solid multiplier for restaurants and delivery
Where it falls short
- No intro 0% APR and a high regular APR (28.49%) — carrying a balance is expensive
Top 3 alternatives for dining & restaurants
Cards that rank higher than or close to the Chase Sapphire Preferred on our dining & restaurants scoring model.
How the Chase Sapphire Preferred performs for other use cases
Frequently asked questions
Is the Chase Sapphire Preferred a good card for dining & restaurants?⌄
The Chase Sapphire Preferred is a solid pick for dining & restaurants — ranked #16 of 40 eligible cards. It's a reasonable choice but not the category leader; check the alternatives below before committing.
How much can I earn with the Chase Sapphire Preferred on dining & restaurants spending?⌄
At the typical dining & restaurants spending profile of $19,200/year, this card earns approximately $612 in rewards — net $517 after the $95 annual fee.
What are better alternatives to the Chase Sapphire Preferred for dining & restaurants?⌄
Our top 3 alternatives are U.S. Bank Altitude Reserve Visa Infinite, IHG One Rewards Premier Credit Card, Capital One SavorOne. Each ranks higher on our use-case scoring model for dining & restaurants.
What credit score do I need for the Chase Sapphire Preferred?⌄
The Chase Sapphire Preferred typically requires excellent credit. Approval also depends on income, existing debt, and application history — a score in the stated range doesn't guarantee approval.
Is the Chase Sapphire Preferred's annual fee worth it for this use case?⌄
The $95 annual fee breaks even when you earn $95 in rewards. At the typical dining & restaurants profile ($19,200/year), this card earns $612 — net positive after the fee.
Want the full card review?
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