LoungeLife.me — Travel more. Lounge better.
Chase · card facts

Chase Sapphire Preferred

Low annual fee and strong transfer ecosystem; no meaningful lounge access.

WELCOME BONUS75k pointsSpend $5,000
ANNUAL FEE$95First year: $95
CREDITSOK$100/yr advertised
LOUNGE ACCESSNo lounge access
Dollar estimates below use $3,000/month benchmark spending and TPG's August 2026 points/miles valuation. Lounge visits are not assigned a dollar value.
Year 1 · best case

+$2,686

Welcome bonus · TPG est.+$1,538
Full advertised annual credits+$100
Rewards on $36,000 benchmark spend+$1,144
First-year annual fee−$95
Keep / year · best case credits

+$1,149

Definitely keep

This recurring estimate uses the full advertised credit amount. The OK label tells you how realistic it may be to capture all $100 of those credits.

Advertised credits$100
Credit difficultyOK
TPG Aug. 2026 value2.05¢
Annual fee$95
Fee minus advertised credits+$5 credit surplus
Credit details

$100 advertised per year · OK to use fully

Card creditsVaries · Varies difficulty
$100 advertised

See issuer terms for eligible purchases, timing and restrictions.

Lounge access

No lounge access

No lounge access included in the current dataset.

Compare all cards →Read the methodology
Offer accuracy: Card offers and benefits change. Verify current issuer terms before applying. The credit amount shown is the advertised total; difficulty labels warn about restrictions rather than discounting the credit to a made-up personal value. Affiliate disclosure.