Best card to pair with the Chase Sapphire Preferred
American Express Blue Cash Preferred adds the most next to it: together they keep $641 a year after both fees from typical spending, $175 more than the Sapphire Preferred on its own.
- Updated October 17, 2026
- $22,300 a year of spending
- Rankings are never paid for
Best pair
Keeps $641 a year after fees
- Earns $831 a year on the spending below; fees come to $190.
- That's $175 more than the Sapphire Preferred alone ($466).
Rates change, so verify them with the issuer before you apply.
The best partners
What each card adds to the Sapphire Preferred in a year, after its own fee, with every purchase on whichever of the two earns more. On its own, the Sapphire Preferred keeps $466 a year after fees.
| Partner | Adds a year | Together | Its fee |
|---|---|---|---|
| #1 American Express Blue Cash Preferred | +$175 | $641 | $95 |
| #2 Robinhood Gold Card | +$153 | $619 | $50 |
| #3 Chase Freedom Unlimited | +$117 | $583 | $0 |
| #4 Citi Strata | +$93 | $559 | $0 |
| #5 Capital One Savor | +$93 | $559 | $0 |
Which card to use
A year of spending, each purchase on the card that earns the most on it. When a bonus runs out at its cap, the rest goes on the next best card.
| Category | Spend a year | Use | Earns |
|---|---|---|---|
| Groceries | $6,200 | Amex Blue Cash Preferred on $6,000 Chase Sapphire Preferred on $200 | $363 5.85% |
| Dining | $3,900 | Chase Sapphire Preferred | $176 4.5% |
| Gas | $2,400 | Chase Sapphire Preferred | $108 4.5% |
| Travel | $2,500 | Chase Sapphire Preferred | $75 3% |
| Drugstores | $700 | Chase Sapphire Preferred | $10 1.5% |
| Everything else | $6,600 | Chase Sapphire Preferred | $99 1.5% |
| Total | $22,300 | $831 |