Chase Sapphire Preferred® Credit Card
The Chase Sapphire Preferred® Card offers bonus points on travel and dining, flexible redemptions, and strong travel protections.
By: Zienic
Earn valuable Chase Ultimate Rewards® points
With the Chase Sapphire Preferred® Credit Card, every purchase earns valuable points that can be redeemed for a wide variety of rewards. This makes it easy to maximize value on both everyday spending and travel-related expenses.
Enhanced rewards on travel and dining worldwide
Cardholders earn elevated rewards when spending on travel and dining, categories where many people already spend significantly. This makes the card especially attractive for frequent travelers and food enthusiasts.
Flexible redemption options
Points earned can be redeemed in multiple ways, including travel bookings, gift cards, statement credits, or transferring to airline and hotel partners, providing unmatched flexibility to cardholders.
Built-in travel protections and purchase coverage
The Chase Sapphire Preferred® Credit Card includes travel protections such as trip cancellation insurance and rental car coverage, along with purchase protection benefits, offering peace of mind for cardholders.
Why the Chase Sapphire Preferred® Credit Card Stands Out
The Chase Sapphire Preferred® Credit Card has earned its reputation as one of the best mid-tier travel credit cards available. With its strong rewards program, cardholders earn points on every purchase, but the real value lies in elevated earnings for travel and dining. These points transfer to over a dozen airline and hotel partners, giving unmatched flexibility when booking trips. Beyond rewards, the card shines in travel protections. It offers primary rental car insurance, trip cancellation coverage, and purchase protection, features not commonly found in cards at this price point. Chase also boosts the value of points by 25% when redeemed through the Ultimate Rewards® travel portal, stretching rewards further for flights, hotels, and more. This card strikes the perfect balance between affordability and benefits. The reasonable annual fee is easily offset by the welcome bonus and ongoing rewards potential, making it an excellent choice for frequent travelers and those new to rewards programs alike. Whether booking flights, dining out, or covering everyday expenses, the Chase Sapphire Preferred® Credit Card delivers a compelling mix of flexibility, protection, and value.
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Is the Chase Sapphire Preferred® Credit Card worth the annual fee?
Yes. The rewards, flexible point transfers, and travel protections generally outweigh the annual fee for frequent travelers and diners.
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What credit score do I need to qualify?
Most successful applicants have a good to excellent credit score, typically 670 or higher.
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Can I transfer points to airlines and hotels?
Yes. Points can be transferred at a 1:1 ratio to several major airline and hotel loyalty programs.
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Does the card charge foreign transaction fees?
No. The Chase Sapphire Preferred® Credit Card has no foreign transaction fees, making it ideal for international travel.
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How long does approval take?
Many applicants receive an instant decision online, but some may need to wait a few business days for Chase to complete the review.
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. To start, visit the official Chase website and navigate to the application page for the Sapphire Preferred card. You’ll be asked to provide standard personal information such as your name, address, Social Security number, income, and employment details. Chase will use this information to determine your eligibility and creditworthiness. It’s important to have good to excellent credit before applying, as approval typically requires a strong credit history. Applicants should also review Chase’s “5/24 rule,” which may affect approval if they’ve opened five or more credit cards from any issuer within the past 24 months. Once your application is submitted, Chase may provide an instant decision, though in some cases it can take a few days for review. If approved, you’ll receive your card by mail within 7–10 business days. After activating your card, you can begin earning rewards immediately. Be sure to plan your spending carefully to meet the minimum spend requirement and unlock the generous welcome bonus. With a simple application process and high potential rewards, getting started with the Chase Sapphire Preferred® Credit Card is both easy and rewarding.