Chase Sapphire Preferred® Credit Card: premium rewards, everyday value
The Chase Sapphire Preferred® Credit Card is one of the most popular travel rewards cards on the market. Known for its generous welcome bonus, flexible redemption options, and strong travel protection benefits, it’s an ideal choice for frequent travelers and everyday spenders looking to maximize their rewards potential.
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Massive Welcome Bonus
Earn a significant number of points after meeting a minimum spending requirement in the first few months.
Flexible Redemption Through Chase Ultimate Rewards®
Points can be redeemed for travel, cash back, gift cards, or transferred to travel partners for even greater value.
High Earning Rates on Travel and Dining
Get 2x or more points per dollar on key categories like dining and travel purchases.
Comprehensive Travel and Purchase Protections
Includes trip cancellation/interruption insurance, auto rental collision damage waiver, and purchase protection.
Discover the Chase Sapphire Preferred® Credit Card
The Chase Sapphire Preferred® Credit Card offers a well-rounded blend of travel benefits, reward opportunities, and consumer protections. New cardholders can typically earn a lucrative welcome bonus—often worth hundreds of dollars in travel—after spending a designated amount within the first three months. The card shines in everyday categories, offering 2x points on travel and dining, and 1x on all other purchases. When points are redeemed through the Chase Ultimate Rewards® portal, they are worth 25% more, making your rewards stretch even further. Additionally, cardholders can transfer points 1:1 to leading airline and hotel loyalty programs such as United MileagePlus®, Southwest Rapid Rewards®, and World of Hyatt, among others. Not just a rewards machine, the Sapphire Preferred® also includes robust travel protections, including trip delay reimbursement and baggage delay insurance. Whether you’re booking a vacation or dining out locally, this card supports you with value and peace of mind. With a modest annual fee, the benefits far outweigh the cost for most users, especially travelers and food enthusiasts.
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What credit score is needed to qualify for the Chase Sapphire Preferred®?
Most applicants approved for the card have good to excellent credit, typically with FICO® scores of 670 or above.
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Does the Chase Sapphire Preferred® have an annual fee?
Yes, the card has a $95 annual fee, which is modest considering the value of the rewards and travel protections provided.
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Can I transfer my points to other loyalty programs?
Yes, Chase Ultimate Rewards® points can be transferred 1:1 to over a dozen travel partners including airlines and hotels.
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Is this card good for international travel?
Absolutely. The card has no foreign transaction fees and comes with travel protections, making it ideal for use abroad.
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Can I add authorized users to the card?
Yes, you can add authorized users at no additional cost. Their purchases will also earn points, which accrue to the primary cardholder's account.
How to Apply for the Chase Sapphire Preferred® Credit Card
Applying for the Chase Sapphire Preferred® Credit Card is a straightforward process, and the entire application can be completed online in just a few minutes. Start by visiting the official Chase website or a trusted partner link, then click “Apply Now.” You’ll be asked to provide basic personal information including your name, address, Social Security number, income, and employment details. Before applying, it’s recommended to review your credit score. This card generally requires good to excellent credit (typically a FICO® score of 670 or higher). Additionally, Chase’s 5/24 rule applies—meaning if you’ve opened five or more personal credit cards with any issuer in the past 24 months, your application may be declined. If approved, you’ll receive your card by mail in about 7–10 business days. Once you have it, you can begin spending toward the welcome bonus and taking advantage of the travel and dining rewards. Be sure to add your card to mobile wallets for contactless payments and enable account alerts for security. Managing your account through the Chase mobile app is easy, offering insights into your spending and reward balances.