Chase Sapphire Preferred® Card vs PenFed Platinum Rewards Visa Signature® Card

Chase Sapphire Preferred® CardChase Sapphire Preferred® Card

Chase

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PenFed Platinum Rewards Visa Signature® CardPenFed Platinum Rewards Visa Signature® Card

PenFed

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Annual Fee
$95
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Chase Ultimate Rewards
PenFed Points
Point Value
2.00¢/pt
0.85¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
Limited time: 100,000 Chase Ultimate Rewards after $5,000 in 3 months
15,000 PenFed Points after $1,500 in 90 days

Effective return by category

CategoryChase Sapphire Preferred® CardPenFed Platinum Rewards Visa Signature® Card
Dining & Restaurants6.00%
3x
2.55%
3x
Streaming Services6.00%
3x
2.55%
3x
Gas Stations2.00%
1x
4.25%
5x
EV Charging4.00%
2x
4.25%
5x
Travel4.00%
2x
0.85%
1x
Groceries2.00%
1x
2.55%
3x
Everything else2.00%
1x
0.85%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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