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Chase Sapphire Preferred® Card

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Rewards Rate
Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more
Welcome Offer
Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
Typical Credit Score
Excellent, Good
Card Network
Annual Fee
Credit Score Needed
Excellent, Good
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
  • Click APPLY NOW to securely apply online.
  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.

  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.

  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.

  • With Pay Yourself BackSM, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.

  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.

  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.

  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

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Chase Sapphire Preferred® Review

Who is The Chase Sapphire Preferred® Card for?

As one of Chase’s flagship credit cards, anybody searching for a travel rewards credit card needs to consider the Chase Sapphire Preferred Card. This card has become a consumer favorite thanks to its travel rewards program and long list of advantages and perks. 

Due to the points awarded for traveling and dining, the Chase Sapphire Preferred Card is beneficial for most consumers. Cardholders will recieve 5x points on travel purchased through Chase Ultimate Rewards®, 3x points on dining, streaming services, and groceries (excluding Walmart, Target, and wholesale clubs), 2x points on all other travel purchases, plus a few extra perks that make this one of the richest rewards cards out there.


In addition to the strong category rewards rates,  cardholders also receive a solid base rate of 1x points on all purchases making the card beneficial whether you are buying a cheeseburger, a jet, or anything in between. Although the benefits are most helpful when spending on food or travel-related items, every dollar spent will provide 1 more point, which can be redeemed on a variety of items.

The points you receive also never expire, allowing consumers to save points in order to gain greater rewards. If you want to plan a large trip for an occasion in the future, such as an anniversary or a graduation, you are able to maintain your points over the years and spend them on what you really want, as long as your account remains open.

This card also comes with a series of built-in partnerships giving the user greater benefits. Through Chase’s hotel partnerships, people who use the Sapphire Preferred can also earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards®.

The Chase Sapphire Preferred card also offers access to the Chase Ultimate Rewards portal where you earn 25% more value when redeeming points for hotels, flights, cruises, and car rentals. 

Another benefit of this card is the 1:1 point transfer option. Even if you are not booking your flight or hotel through Chase, with Chase Sapphire Preferred, you can transfer your points to leading frequent travel programs at 1 to 1 value. Airline travel partners include:

  1. Aer Lingus, AerClub
  2. British Airways Executive Club
  3. Emirates Skywards®
  4. Flying Blue AIR FRANCE KLM
  5. Iberia Plus
  6. JetBlue TrueBlue
  7. Singapore Airlines KrisFlyer
  8. Southwest Airlines Rapid Rewards®
  9. United MileagePlus®
  10. Virgin Atlantic Flying Club

Hotel travel partners include:

  1. IHG® Rewards Club
  2. Marriott Bonvoy
  3. World of Hyatt

Thus, points earned through Chase can also be used to access rewards from some of your favorite airlines and hotels.

Protections and Benefits

This card offers a multitude of protections on items bought with the card, giving cardholders safety when making a purchase. All new purchases are covered for 120 days against damage or theft up to $500 per claim and $50,000 per account. Thus, all users will have the chance to earn money back if their new items are stolen or damaged.

Also, the Chase Sapphire Preferred card offers a variety of travel protections, the largest coming in the form of trip cancellation or interruption insurance. If your trip is canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses. This protection includes all passenger fares, tours, and hotels. In addition, you can be reimbursed for baggage delays, awarding up to $100 per day for up to 5 days for baggage delays of over 6 hours.

The card also allows you to decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for any theft and damage you may incur in most rental cars in the United States and in foreign countries.

Another benefit of the card is the lack of a foreign transaction fee. Benefitting the international traveler once again, this card carries no additional costs for purchases made outside of the United States, making this an ideal card for world travelers. Most credit card purchases in other countries consist of a 3% foreign transaction fee with 1% being paid to the payment processor and 2% going to the card issuer. However, the Chase Sapphire Preferred card eliminates this fee, proving that this card is tailored for the international traveler. 

Finally, this card allows access to 24/7 specialized customer assistance. If you ever have questions about benefits or problems with payments, a customer service specialist will be there to assist you at any hour of the day. 

Easy Points

Crucial to maximizing rewards with this card is spending $4,000 in the first three months after the opening of the account. Doing this will earn consumers 100,000 points. Since users of this card can access the Chase Ultimate Rewards portal they can receive 25% more in travel redemption, making the initial 100,000 points a $1250 value towards hotels, car rentals, and flights. We recommend paying for any future trips, gifts, or other expensive items immediately in order to receive these 100,000 points. As long as the consumer is confident that they can reach $4,000 in spending in 3 months, the rewards will be plentiful.

Annual Fee

One slight drawback is the annual fee of $95. However, comparing this fee to other travel cards puts this card on the affordable end of the spectrum. As mentioned before, spending $4,000 in 3 months will reward the user with $1250 of value, covering nearly multiple years of annual fees, making it well worth the investment. Also, considering the flexibility and the protection that accompanies the purchase, the annual fee is minuscule in the grand scheme of things.


The Chase Sapphire Preferred card is affordable, flexible, and rewarding, benefitting all credit card users. Due to its increased points multiplier on travel and dining, all users will be able to cash in rewards for the low annual cost of $95, making it an attractive card regardless of budget.

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