Chase Sapphire Preferred® Credit Card: Travel Rewards That Take You Further
The Chase Sapphire Preferred® Credit Card is one of the most popular travel rewards cards in the U.S., offering exceptional value through generous point-earning categories, flexible redemption options, and premium travel protections. With a competitive annual fee and strong welcome bonus potential, this card is ideal for travelers seeking maximum reward potential without the high cost of premium cards. Whether you’re planning trips or optimizing everyday spending, the Sapphire Preferred® delivers powerful, easy-to-use benefits.
By: Zienic
Generous Rewards on Travel and Dining
Earn elevated points on travel, dining, and related categories, making it easy to rack up rewards on everyday and leisure spending.
Valuable Point Redemption Through Chase Ultimate Rewards®
Points are worth more when redeemed for travel through the Chase Ultimate Rewards® portal, giving cardholders increased value.
Strong Sign-Up Bonus
New cardmembers can earn a substantial welcome bonus after meeting the minimum spending requirement, jump-starting reward accumulation.
Premium Travel Protections and Purchase Coverage
Enjoy trip cancellation insurance, rental car coverage, purchase protection, and additional safeguards not found on typical cards.
Why the Chase Sapphire Preferred® Credit Card Stands Out
The Chase Sapphire Preferred® Credit Card is widely regarded as one of the best mid-tier travel rewards cards on the market. With elevated point earnings on travel, dining, streaming services, and online groceries, it offers impressive everyday value. The card’s points become even more powerful when redeemed through Chase Ultimate Rewards®, where they receive a notable boost in value toward flights, hotels, rental cars, and more. One of the biggest draws of the Sapphire Preferred® is its generous welcome bonus, which frequently provides enough points for multiple domestic round-trip flights. For cardholders looking to maximize travel rewards, the ability to transfer points to top airline and hotel partners—such as United, Southwest, JetBlue, and Hyatt—adds tremendous flexibility and potential for high-value redemptions. Despite its robust benefits, the card maintains a relatively approachable annual fee compared to premium travel cards. Additionally, cardholders benefit from built-in protections like trip interruption insurance, primary rental car collision coverage, baggage delay reimbursement, purchase protection, and extended warranty coverage. Whether you’re a frequent traveler or simply want to maximize everyday purchases, the Chase Sapphire Preferred® Credit Card provides a rewarding blend of value, flexibility, and protection.
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What credit score is recommended for approval?
A good to excellent credit score, generally 700 or higher, is recommended to qualify.
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Does the card have an annual fee?
Yes. The Chase Sapphire Preferred® Credit Card has a moderate annual fee, which is offset by travel credits, rewards, and protections.
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Are points transferable to travel partners?
Yes. You can transfer points to multiple airline and hotel partners through Chase Ultimate Rewards®.
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Do points expire?
No. As long as your account remains open and in good standing, your points will not expire.
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Does the card offer travel insurance?
Yes. The Sapphire Preferred® includes trip cancellation/interruption insurance, rental car coverage, and other premium travel protections.
How to Request the Chase Sapphire Preferred® Credit Card
Applying for the Chase Sapphire Preferred® Credit Card is simple and can be done entirely online. Before applying, make sure you meet Chase’s recommended credit guidelines—typically good to excellent credit (700+) is ideal for approval. It’s also important to review Chase’s 5/24 rule, which may limit approval if you've opened five or more credit accounts in the past 24 months. To apply, visit the official Chase website and navigate to the Sapphire Preferred® card page. You’ll fill out an application that includes your full name, address, Social Security number, income, and employment information. Chase uses this to verify your identity and assess your creditworthiness. Most applicants receive an instant decision, although some may be asked to provide additional documentation. If approved, your physical card will arrive within 7–10 business days. Chase also allows some users to add the card to a digital wallet immediately for faster access. To make the most of your new card, set up your Chase online account, enable real-time purchase alerts, and link the card to the Chase Ultimate Rewards® portal. This will allow you to track your points, explore redemption options, and take advantage of bonus categories and travel partners. By using the card strategically—especially in travel and dining categories—you can quickly build rewards and enjoy the financial and travel benefits the Sapphire Preferred® offers.