Chase Sapphire Preferred® Credit Card
The Chase Sapphire Preferred® Card offers top travel rewards, flexible redemptions, and premium perks with excellent value for travelers.
By: Zienic
Earn a high-value welcome bonus
Earn a high-value welcome bonus after meeting the initial spending requirement.
Rewards on travel and dining
Get 2x or more points on travel and dining purchases worldwide.
Flexible redemption options
Redeem points with extra value through Chase Ultimate Rewards®.
Strong travel and purchase protections
Enjoy strong travel and purchase protections with no foreign transaction fees.
Why the Chase Sapphire Preferred® Credit Card Stands Out
The Chase Sapphire Preferred® Credit Card is widely recognized for its combination of flexibility, value, and protection, making it one of the most appealing travel rewards cards on the market. Cardholders earn valuable Chase Ultimate Rewards® points, which are versatile and can be redeemed for travel through the Chase portal at a higher value or transferred to more than a dozen airline and hotel partners. This flexibility allows users to maximize redemptions and often unlock premium travel experiences at lower out-of-pocket costs. Additionally, the card’s strong rewards structure goes beyond travel and dining, with bonus points on select categories such as online grocery purchases and certain streaming services. These rewards align with everyday spending, helping cardholders accumulate points faster. Beyond earning potential, the Sapphire Preferred includes robust travel protections such as trip cancellation insurance, primary rental car coverage, and baggage delay reimbursement. With an annual fee that is modest compared to premium cards, it provides an excellent balance of benefits and affordability, appealing to travelers looking for long-term value.
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What credit score do I need to qualify for the Chase Sapphire Preferred® Credit Card?
Most applicants approved for this card have good to excellent credit, typically with a FICO score of 670 or higher.
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Does the card charge foreign transaction fees?
No, the Chase Sapphire Preferred® Credit Card does not charge foreign transaction fees, making it ideal for international travel.
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How much is the annual fee?
The card has a $95 annual fee, which is offset by its strong earning potential and travel benefits.
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Can I transfer my points to airlines or hotels?
Yes, Chase Ultimate Rewards® points can be transferred to a wide range of airline and hotel partners at a 1:1 ratio.
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What travel protections come with the card?
The card offers trip cancellation and interruption insurance, primary rental car coverage, baggage delay reimbursement, and travel accident insurance.
How to Apply for the Chase Sapphire Preferred® Credit Card
Applying for the Chase Sapphire Preferred® Credit Card is a straightforward process, but it’s helpful to prepare before submitting your application. To begin, applicants can visit the official Chase website or a branch to access the application form. The bank will ask for personal information such as name, Social Security number, income details, and employment status. Having this information ready ensures a smoother experience. Chase generally looks for applicants with good to excellent credit (a FICO score above 670 is recommended), as this increases the likelihood of approval. Another factor to keep in mind is Chase’s “5/24 rule,” which typically denies applications from individuals who have opened five or more credit cards in the past 24 months across any bank. Once approved, new cardholders receive their welcome bonus offer, which requires meeting a minimum spending threshold within the first three months. Taking advantage of this bonus can provide significant points to jumpstart travel plans. By planning purchases strategically, applicants can maximize benefits and start earning rewards right away.