Chase Sapphire Preferred® Credit Card
The Chase Sapphire Preferred® Card offers flexible travel rewards, a generous welcome bonus, and premium perks for everyday spending.
By: Zienic
Generous welcome bonus
Generous welcome bonus points after meeting minimum spend.
Earn more on travel and dining
Earn 2x–5x points on travel and dining categories.
Flexible redemption options
Flexible redemption options through Chase Ultimate Rewards®.
Travel and purchase protections
Travel and purchase protections, including trip cancellation insurance.
Why the Chase Sapphire Preferred® Credit Card Stands Out
The Chase Sapphire Preferred® Credit Card has built its reputation as one of the most valuable mid-tier travel cards on the market. For a modest annual fee compared to luxury cards, it delivers significant perks that rival higher-end options. Cardholders can earn a generous sign-up bonus after hitting the minimum spending requirement, often worth hundreds of dollars in travel when redeemed through the Chase Ultimate Rewards® portal. Daily spending becomes more rewarding, with elevated points on categories such as travel, dining, and select streaming services. Even purchases outside these categories earn points, making it a versatile option. One of the most powerful aspects of this card is the flexibility of Chase Ultimate Rewards®. Cardholders can book travel directly through the portal for extra value or transfer points at a 1:1 ratio to airline and hotel partners like United, Southwest, Hyatt, and Marriott. Beyond rewards, the Sapphire Preferred® provides peace of mind with robust travel protections, including trip cancellation and interruption insurance, primary car rental coverage, and purchase protections. Together, these benefits make the card an excellent companion for frequent travelers, casual vacationers, and anyone who wants to make their spending work harder.
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Is the Chase Sapphire Preferred® Credit Card worth the annual fee?
Yes, the rewards, travel protections, and redemption flexibility easily outweigh the moderate annual fee for most cardholders.
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What credit score do I need to qualify?
Chase typically requires a good to excellent credit score, generally 670 or higher, for approval.
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Can I transfer my points to airlines or hotels?
Yes, Chase Ultimate Rewards® points can be transferred at a 1:1 ratio to leading travel partners like United, Southwest, Hyatt, and Marriott.
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Does the card have 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 long does it take to get approved?
Many applicants receive instant approval, but in some cases, Chase may take several days to review your application.
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. Interested applicants should visit the official Chase website, where the application form is available. You will need to provide basic personal details such as your name, address, income, Social Security number, and employment information. Before applying, it’s recommended to check your credit score, as Chase typically requires good to excellent credit (generally 670+). Applicants should also review Chase’s “5/24 rule,” which means your application may be denied if you’ve opened five or more credit cards across any bank within the past 24 months. Once submitted, most applicants receive a decision within minutes, though some applications may require additional review. If approved, you’ll receive your card in the mail within 7–10 business days. After activation, you can start earning rewards immediately, including working toward the welcome bonus. Planning your application around upcoming travel or large expenses can help you meet the spending threshold faster and maximize your rewards.