Chase Sapphire Preferred® Credit Card
The Chase Sapphire Preferred® offers top travel rewards, flexible points, and valuable perks at a low fee.
By: Zienic
Earn 2x–5x points on travel and dining
The Chase Sapphire Preferred® Credit Card lets you earn bonus points on travel and dining, helping you maximize rewards on everyday experiences.
Flexible redemption options
Redeem points through Chase Ultimate Rewards® with 25% more value on travel, or transfer to leading airline and hotel partners.
Premium travel protections
Enjoy built-in benefits like trip cancellation/interruption insurance, baggage delay coverage, and auto rental collision damage waiver.
Generous welcome bonus
New cardholders can unlock a large sign-up bonus by meeting the minimum spending requirement within the first few months.
Why Choose the Chase Sapphire Preferred® Credit Card?
The Chase Sapphire Preferred® Credit Card stands out for its ability to turn everyday spending into meaningful rewards. With bonus points on travel, dining, and select categories, this card is perfect for individuals and families who want to earn rewards quickly without paying a high annual fee. Points earned can be redeemed through the Chase Ultimate Rewards® portal, where they are worth 25% more when used for travel. This means your points stretch further for flights, hotels, car rentals, and more. One of the strongest features is flexibility. Cardholders can transfer points to leading airline and hotel loyalty programs at a 1:1 ratio, including United, Southwest, Hyatt, and Marriott. This makes it easy to maximize value for travel enthusiasts. Additionally, the card offers built-in travel protections such as trip cancellation/interruption insurance, baggage delay coverage, and auto rental collision damage waiver. Combined with its low annual fee, the Chase Sapphire Preferred® Credit Card provides a balance of affordability, valuable perks, and strong earning potential, making it a top choice for rewards seekers.
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What credit score do I need for the Chase Sapphire Preferred® Credit Card?
Generally, a good to excellent credit score (690+) is recommended for approval.
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Does the card have an annual fee?
Yes, the card carries a $95 annual fee, which is offset by its rewards potential.
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Can I transfer my points to travel partners?
Yes, you can transfer points at a 1:1 ratio to major airline and hotel loyalty programs.
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Does the card offer travel insurance?
Yes, it includes trip cancellation/interruption insurance, baggage delay coverage, and other protections.
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Is the Chase Sapphire Preferred® better for beginners or frequent travelers?
It works well for both—beginners benefit from its simplicity, while frequent travelers maximize value through flexible transfers and travel redemptions.
How to Request the Chase Sapphire Preferred® Credit Card
Applying for the Chase Sapphire Preferred® Credit Card is a straightforward process done entirely online. Start by visiting the official Chase website and navigating to the credit cards section. Select the Sapphire Preferred® option and click “Apply Now.” You’ll be asked to provide personal details such as your name, income, and Social Security Number for verification. Chase evaluates applications based on creditworthiness, typically requiring a good to excellent credit score. If approved, you’ll receive your physical card within 7–10 business days. In many cases, you can start using your new credit line immediately with a virtual card number provided by Chase. It’s worth noting that Chase has a “5/24 rule,” meaning if you’ve opened five or more credit cards from any issuer in the past 24 months, your application may be declined. Make sure you meet this criterion before applying. Once approved, you can begin earning rewards right away, especially with the generous welcome bonus offered to new cardholders who meet the spending requirement within the first few months.