Chase Sapphire Preferred Card: How To Use the $100 Hotel Credit [2026]

The Chase Sapphire Preferred^® Card offers a $100 hotel credit each account anniversary when you book eligible hotel stays with Chase Travel. This credit is easy to use and can entirely offset the card’s $95 annual fee.

This guide explains how the credit works, which bookings qualify, and how you can receive the full value every year.

Quick Overview of the $100 Chase Travel Hotel Credit

The Chase Sapphire Preferred card’s Chase Travel hotel credit is worth up to $100 each account anniversary year and does not carry over from year to year. It applies to eligible bookings made through Chase Travel and is offered as a statement credit within 1 to 2 billing cycles of booking the hotel. No enrollment is required (Source: Chase).

Card Overview

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Chase Sapphire Preferred^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

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Chase Sapphire Preferred^® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Welcome Offer

Earn 75,000 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

75,000 100,000 points

UP's Offer Valuation*:

$2,000

Annual Fee

$95

APR

19.24% - 27.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Chase Sapphire Preferred^® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, gas, EV charging, vacation homes, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance and emergency evacuation. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros & Cons

Pros

• 5x points on all travel booked via the Chase Travel portal
• 3x points on dining purchases, online grocery purchases (excluding Walmart, Target, and wholesale clubs), gas, EV charging, vacation homes (such as Airbnb and Vrbo), and select streaming services
• 2x points on all other travel worldwide

Cons

• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status

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Card Highlights

• Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
• Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $156.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck^® or NEXUS application.
• Transfer points to leading airline and hotel loyalty programs
• Member FDIC

Financial Snapshot

• APR: 19.24% - 27.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

Key Benefits of the Chase Sapphire Preferred Card

The Chase Sapphire Preferred card is a midtier travel rewards card with a solid welcome offer and earns up to 5x Ultimate Rewards points:

• 5x points on travel purchased through Chase Travel
• 5x points on Lyft purchases through September 30, 2027
• 5x points on some Peloton purchases over $150 (through December 31, 2027)
• 3x points on dining, some streaming services, gas and EV charging, vacation homes, and online grocery purchases (excluding Target, Walmart, and wholesale clubs)
• 2x points on all other travel purchases
• 1x points everywhere else

We value Ultimate Rewards points at around 2 cents per point, which offers a return on spending of up to 10% when you earn 5x points.

Cardholder benefits include travel insurance; a complimentary DoorDash DashPass subscription (activate by December 31, 2027); a $120 Global Entry, TSA PreCheck, or NEXUS credit every 4 years; a complimentary year of Apple TV (activate by December 31, 2026); purchase protection; extended warranty; no foreign transaction fees; and no-additional-fee authorized user cards.

What Is the $100 Chase Travel Hotel Credit?

The Chase Sapphire Preferred card’s $100 hotel credit is valid for hotel stays booked through Chase Travel.

No enrollment or registration is necessary. As long as you book your hotel through Chase Travel, you get a $100 statement credit every cardmember year (not calendar year).

The statement credit will be applied to your account within 1 to 2 billing cycles of your hotel booking. You can use this credit as soon as you’re approved for the card.

You get a $100 hotel credit from the date your account opens through your first cardmember anniversary, then another $100 hotel credit each cardmember year after that.

If your stay is less than $100, you receive a statement credit equal to the amount of your purchase. The unused portion of your annual credit is available for future eligible bookings during your anniversary year. For example, you could use $79 of your hotel credit, then apply the remaining $21 to another booking later.

Any hotel stays booked outside of the Chase Travel portal do not qualify for the $100 credit. For example, booking a hotel stay at The Ritz-Carlton, Orlando Grande Lakes directly with Marriott would not trigger the credit.

How To Use the Card’s $100 Hotel Credit

Follow these steps to book a hotel stay and use the Chase Sapphire Preferred card’s $100 hotel credit.

First, visit Chase Travel and log in to your Chase account.

Then search for a hotel, entering your destination, travel dates, and number of guests. Be sure the terms “Stays” and “Hotels” are selected.

Select the hotel you’d like to book by clicking on the name of the hotel.

Then select the room and rate you’d like to book and click “Add to trip.”

On the trip cart page, confirm the details and add optional transportation, activities, and flights. Under the trip total, select the button that says “Pay with card” to use your Chase Sapphire Preferred card, then click where it says “Start checkout.”

You’ll be prompted to fill in traveler information. Enter the information and click the button “Payment and review.”

Next, enter your payment information and click the button “Complete checkout.”

After you make your reservation, you’ll see a pending charge on your credit card account. The statement credit should apply within 1 to 2 billing cycles.

Is the $100 Hotel Credit Worth It?

Assuming you’d book a hotel within your cardmember year with the Chase Sapphire Preferred card, using the hotel credit is worth it. With no minimum stay requirement or specific hotel programs, this $100 hotel credit is easy to use. All you have to do is book through Chase Travel and pay with your Chase Sapphire Preferred card.

This credit is much simpler than the up-to-$500 annual credit with The Edit available to cardholders of the Chase Sapphire Reserve^® and Sapphire Reserve for Business℠. Using that credit requires a minimum 2-night stay and applies only to The Edit properties.

Final Thoughts

The Chase Sapphire Preferred card‘s $100 Chase Travel hotel credit is straightforward to use and valuable for cardholders who make at least 1 eligible booking each account anniversary year. The credit can offset the card’s $95 annual fee.

Before you book, compare the Chase Travel price with the hotel’s direct rate to make sure the credit would help you save. If the price is competitive, using the credit is an easy way to get value from your card every year.