Chase Sapphire Preferred® Credit Card
The Chase Sapphire Preferred® Card offers travelers and everyday spenders generous rewards on dining, travel, and more. With flexible point redemption and valuable perks, it provides a premium experience without a high annual fee, making everyday purchases and trips more rewarding.
By: Zienic
Earn 2x–5x points on travel and dining purchases
Earn 2x–5x points on travel and dining purchases.
Flexible redemption through Chase Ultimate Rewards®
Flexible redemption through Chase Ultimate Rewards®.
Valuable travel protections and purchase coverage
Valuable travel protections and purchase coverage.
Generous welcome bonus for new cardholders
Generous welcome bonus for new cardholders.
Everything You Need to Know About the Chase Sapphire Preferred® Credit Card
The Chase Sapphire Preferred® Credit Card has earned a strong reputation as one of the best mid-tier travel rewards cards. Cardholders can earn accelerated points on travel, dining, and select categories, making it ideal for those who want to get more out of their everyday spending. One of its biggest advantages is the Chase Ultimate Rewards® program, which allows you to redeem points for travel, gift cards, cash back, or transfer them to airline and hotel partners. This flexibility makes your points more valuable compared to other programs. In addition to rewards, the card comes packed with useful perks. For travelers, it offers trip cancellation insurance, auto rental collision coverage, and purchase protection. Dining enthusiasts also benefit from boosted rewards when eating out or ordering takeout. The welcome bonus is another highlight, often worth hundreds of dollars in travel when redeemed through Chase Ultimate Rewards®. With a reasonable annual fee compared to premium cards, the Chase Sapphire Preferred® strikes the perfect balance between affordability and premium benefits. If you want a card that enhances both travel and everyday purchases, this card stands out as a smart choice.
-
What credit score is needed for the Chase Sapphire Preferred® Credit Card?
A good to excellent credit score (around 670 or higher) is generally recommended.
-
Does the Chase Sapphire Preferred® Credit Card have an annual fee?
Yes, it carries an annual fee, but many cardholders find the rewards and benefits easily outweigh the cost.
-
Can I transfer points to airline and hotel partners?
Yes, you can transfer Chase Ultimate Rewards® points to a variety of airline and hotel loyalty programs at a 1:1 ratio.
-
Does the card come with travel protections?
Yes, it includes benefits like trip cancellation/interruption insurance, baggage delay coverage, and auto rental collision damage waiver.
-
Is there a welcome bonus?
Yes, new cardholders typically receive a substantial bonus after meeting the minimum spending requirement within the first few months.
How to Apply for the Chase Sapphire Preferred® Credit Card
Applying for the Chase Sapphire Preferred® Credit Card is a simple process that you can complete online in just a few minutes. To start, visit the official Chase website and navigate to the Sapphire Preferred application page. You’ll need to provide basic information such as your full name, Social Security number, income details, and employment status. Chase uses this information to determine your eligibility and creditworthiness. It’s recommended that applicants have a good to excellent credit score (typically 670 or higher) to increase the chances of approval. Before applying, review your credit report and ensure your information is accurate. Additionally, keep in mind Chase’s “5/24 rule,” which generally limits approvals if you’ve opened five or more credit cards across issuers in the past 24 months. Once your application is submitted, you may receive an instant decision. In some cases, Chase might require additional review, which could take a few business days. If approved, your new card will be mailed to you within 7–10 business days. Upon receiving it, activate the card online or by phone, and you’ll be ready to start earning rewards on your everyday purchases.