Chase Sapphire Preferred® Card
Unlock exceptional travel perks, generous points on everyday purchases, and premium protection benefits—all with a reasonable annual fee.
By: Zienic
Massive Sign-Up Bonus
Earn thousands of points after meeting a low initial spend threshold.
Elevated Rewards on Travel & Dining
Score 2x or more on restaurants, travel, and select streaming services.
Flexible Points with Transfer Partners
Redeem points with top travel brands or through Chase’s versatile portal.
Premium Travel Protections
Enjoy trip cancellation insurance, auto rental coverage, and more.
Why the Chase Sapphire Preferred® Card is Worth It
The Chase Sapphire Preferred® Card is one of the most well-loved travel cards for a reason. For starters, it comes with a hefty welcome bonus that can give your travel plans a major boost. Whether you're booking a getaway or dining out, you'll rack up valuable points—2x on travel and dining, plus 1x on everything else. And if you're using the Chase Ultimate Rewards® portal, your points are worth 25% more.
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Is there a foreign transaction fee with this card?
Nope! The Chase Sapphire Preferred® Card has no foreign transaction fees, making it ideal for international travel.
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What credit score do I need to qualify?
Most approved applicants have a credit score of at least 700, although approval isn't guaranteed.
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Can I transfer points to airline or hotel loyalty programs?
Yes, you can transfer points at a 1:1 ratio to travel partners like United, Hyatt, Marriott, and more.
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Is there an annual fee?
Yes, the card has a $95 annual fee—but the benefits easily outweigh it for most users.
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Can I have both the Sapphire Preferred and Sapphire Reserve?
No, Chase only allows one Sapphire card at a time, so you’ll need to choose which one fits your lifestyle best.
How to Apply for the Chase Sapphire Preferred® Card
Getting the Chase Sapphire Preferred® Card is simple and straightforward. You can apply online directly through the Chase website. The application process typically takes just a few minutes, and you’ll usually get a decision right away—though in some cases, Chase may take a few business days to review your application. Before applying, make sure your credit score is in good shape. This card generally requires a good to excellent credit score (700+), so it’s smart to check your score in advance. Chase will also consider your income, current debt, and how many Chase cards you've opened recently, due to their 5/24 rule. To qualify for the sign-up bonus, you typically need to spend a certain amount (e.g., $4,000) within the first three months. Be sure you can meet that threshold responsibly before applying. Once approved, your card is usually mailed within 7–10 business days. Having everything ready—your income info, housing costs, and social security number—can help speed up the process. Don’t forget to read the fine print and understand the terms before submitting your application.