What Sets the Chase Sapphire Preferred® Credit Card Apart
The Chase Sapphire Preferred® Credit Card is a favorite for travelers because it blends meaningful perks with a reasonable annual fee. Elevated earn rates on travel and dining help you rack up points faster than many everyday cards, and the welcome offer can translate into hundreds of dollars in travel through Chase Ultimate Rewards®. Its real strength is flexibility: points redeemed in the Ultimate Rewards® portal get 25% more value toward travel, and you can move points 1:1 to leading airline and hotel programs for potentially outsized redemptions. On top of rewards, you get practical protections—like trip interruption insurance, baggage delay coverage, and primary rental car collision damage waiver—that add confidence to your trips. If you value travel, dining, and versatile redemptions, this card delivers a compelling mix of benefits that can pay off year after year.
What credit score do I need?
A good to excellent score (around 670+) is generally recommended.
Is there an annual fee?
Yes. The annual fee is $95, which is modest for a travel-rewards card.
How valuable is the welcome bonus?
Depending on the current offer, it can be worth $750+ when redeemed through Ultimate Rewards® for travel.
Can I transfer points to partners?
Yes—points transfer 1:1 to several airline and hotel loyalty programs.
Does it include travel insurance?
Yes. Benefits include trip cancellation/interruption insurance, primary rental car CDW, and more.
How to Apply for the Chase Sapphire Preferred® Credit Card
You can apply online in minutes. Head to the Chase website and fill out the secure form with your name, address, Social Security number, employment details, and income. Chase uses this information to assess eligibility and creditworthiness. Applicants typically need good to excellent credit, so it’s wise to check your score beforehand. After submitting, many decisions are instant, though some applications require additional review. If approved, your card usually arrives within 7–10 business days. When it comes, activate it online or in the Chase mobile app. You can start making purchases right away to work toward the intro bonus and explore the Ultimate Rewards® portal to plan high-value redemptions.
