Rental car insuranceDecline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.Carried by 186 of 581 cards in the catalog
Chase
Chase Sapphire Preferred® Credit Card
$95 a yearEverything this card owes you
5statement credits
$526at face value, a year
24protections included
12spend categories that earn extra
1 of those 5 credits pay nothing until they are activated.
Digital entertainment credit$156
DoorDash $10 Monthly Promo$120
Dining credit$120
Chase Travel Hotel Credit$100
Global Entry or TSA PreCheck or NEXUS Credit$30
What the number is made of
Your card carries $526 in credits.
Not points and not a valuation. Statement credits with real dollar amounts, attached to real things — a hotel night, a dinner, a membership, a flight you were taking anyway.
The card year
Every credit, on its own clock
The fee is the debit and every credit pays it back — but only inside the window it is live. Mark what you would really use and watch both the calendar and the balance change.
Selections start at “Never.” “Sometimes” counts a credit at 50% of its annual value; “I'd use this” counts it in full. Several of these credits have to be switched on in the issuer's app before they pay anything — that's the “needs activation” tag below.
CreditJFMAMJJASONDWould you use it?
Digital entertainment credit$156face value$0you get backresets once a yearshared
Dining credit$120face value$0you get backresets once a yearshared
Chase Travel Hotel Credit$100face value$0you get backresets card anniversaryshared
Global Entry or TSA PreCheck or NEXUS Credit$30face value$0you get backresets once a yearshared
You get back$0Nothing selected yet — mark the credits you would use above.
Annual fee$95Charged in full, every year, whether you collect or not.
Your effective annual fee$95What the card really costs you once your credits are counted.
Window you would useWindow you would notCard anniversary, not the calendar
Activation
Benefits require activation. We make it easy to enroll in each perk.
Most premium card credits don't start paying automatically. Turn one on in the issuer's app before you count on it.
$0Mark the credits you would use above and this shows what has to be switched on before it pays.Get started — track your activations
How to activate each credit
DoorDash $10 Monthly Promosteps not documented$120
Steps for this credit haven't been documented yet — check the issuer's app to activate it.
What you're covered for
The protections, and how rare they are
These carry no honest dollar value, so they stay out of the ledger above. What they have instead is scarcity: most cards don't carry them.
8 protections included on this card
Rental car insuranceDecline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.Carried by 186 of 581 cards in the catalog
Purchase protectionCovers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.Carried by 146 of 581 cards in the catalog
Extended warrantyExtends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.Carried by 178 of 581 cards in the catalog
Travel & emergency assistanceAccess to a multilingual call center 24/7 for legal and medical referrals and other travel assistance services.Carried by 342 of 581 cards in the catalogWhat you get in
Access and status
16 access and status perks on this card
Concierge serviceGet assistance with travel planning, entertainment tickets and more.Carried by 198 of 581 cards in the catalogBefore the card arrives
Track this one from day one
Seven to ten days pass between applying and the card landing. The wallet is built before it arrives — every credit, every reset date, and the 1 activation steps that decide whether the first month pays anything.
Build my wallet
We'll hold the answers you gave above.
Where these figures come from
Verified, drafted, and dated
All 5 credit values on this page reconcile to the published catalog total of $526. Reset cadence, activation requirements, and shared-versus-per-user status come from the same catalog, not a separate estimate.
Put it against another card