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Chase Sapphire Preferred® Credit Card
The Chase Sapphire Preferred® Credit Card is a top choice for travelers and everyday spenders. It offers strong bonus categories, flexible redemption, and valuable travel protections. With generous rewards, a solid welcome bonus, and premium benefits, it makes dining, flights, and vacations more rewarding.
Earn valuable rewards points
Earn valuable rewards points on dining, travel, and everyday purchases.
Flexible redemption options
Flexible redemption options through Chase Ultimate Rewards®.
Premium travel protections
Access to premium travel protections and purchase coverage.
Generous welcome bonus
Generous welcome bonus for new cardholders meeting spending requirements.
Why the Chase Sapphire Preferred® Credit Card Stands Out
The Chase Sapphire Preferred® Credit Card has consistently been ranked as a top choice among travelers and lifestyle enthusiasts, thanks to its robust rewards program and competitive features. Cardholders can earn elevated points on categories like travel and dining, ensuring that every meal out or trip booked contributes meaningfully toward future redemptions. Beyond bonus categories, all other purchases still earn points, making it an excellent all-around card for daily use. One of the standout features is the Chase Ultimate Rewards® portal, which allows users to redeem points for travel, gift cards, cash back, and more. When points are redeemed for travel through the portal, they carry 25% more value, instantly amplifying their worth. This flexibility gives cardholders freedom in how they use their rewards while ensuring they get the most from their spending. Additionally, the card comes with valuable travel protections, including trip cancellation/interruption insurance, baggage delay coverage, and rental car collision damage waiver. For those who frequently shop, purchase protection and extended warranty benefits also add peace of mind. Combined with a competitive annual fee, these features make the Chase Sapphire Preferred® Credit Card an excellent entry-level premium card with benefits that outweigh its cost.
What credit score is needed for the Chase Sapphire Preferred® Credit Card?
Most applicants approved for this card have good to excellent credit, typically a score of 670 or higher.
Does the Chase Sapphire Preferred® Credit Card have foreign transaction fees?
No, the card does not charge foreign transaction fees, making it ideal for international travel.
How much is the annual fee?
The annual fee is $95, which is offset by the valuable rewards and protections provided.
Can I transfer points to airline and hotel partners?
Yes, Chase Ultimate Rewards® points can be transferred at a 1:1 ratio to popular travel partners, including United, Southwest, and Hyatt.
Is the Chase Sapphire Preferred® better than the Chase Sapphire Reserve®?
The Preferred® is more affordable with a lower annual fee, while the Reserve® offers more premium perks. The better option depends on your travel habits and budget.
How to Apply for the Chase Sapphire Preferred® Credit Card
Applying for the Chase Sapphire Preferred® Credit Card is a straightforward process that can be completed online in just a few minutes. Interested applicants should first review the card’s eligibility criteria, which generally include having good to excellent credit. Before applying, it’s advisable to check your credit score and ensure your financial profile aligns with the card’s typical approval standards. To begin, visit the official Chase website and navigate to the Sapphire Preferred® application page. You’ll need to provide standard personal information, such as your name, address, income, and Social Security number. Chase may also request additional documentation depending on your application details. Once submitted, many applicants receive an instant decision, though in some cases, Chase may require additional time for review. If approved, your new card will arrive by mail within a few business days. At this point, you can activate it and start earning rewards immediately. Be mindful of the spending requirement to qualify for the welcome bonus, as meeting this threshold within the first three months unlocks one of the most attractive perks of the card. With careful planning, you can maximize both the sign-up offer and ongoing benefits, making the application process the first step toward years of travel and lifestyle rewards.
