Chase Sapphire Preferred® Credit Card
The Chase Sapphire Preferred® Credit Card is ideal for travelers and food lovers, offering rewards on travel, dining, and groceries, plus trip protection and no foreign transaction fees—maximizing everyday spending for premium travel experiences.
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Generous Welcome Bonus
Earn a substantial welcome bonus after meeting a reasonable minimum spend within the first three months, offering an excellent value boost right at the start.
Bonus Categories on Travel & Dining
Enjoy 2x points on travel and dining purchases and even higher rates through Chase Ultimate Rewards®, perfect for frequent travelers and foodies alike.
Point Value Boost for Travel Redemption
Points are worth 25% more when redeemed for travel through Chase Ultimate Rewards®, maximizing the return on your spending.
Comprehensive Travel Protections
Cardholders benefit from trip cancellation insurance, baggage delay coverage, and auto rental collision damage waiver, enhancing peace of mind on every journey.
Discover the Chase Sapphire Preferred® Card
With the Chase Sapphire Preferred® Credit Card, everyday spending becomes a path to extraordinary travel experiences. This mid-tier travel card is ideal for consumers who value flexibility and high redemption potential. For an annual fee of $95, cardholders gain access to Chase Ultimate Rewards®, one of the most versatile points programs available. You'll earn 2x points on travel and dining, 3x on online groceries (excluding Walmart and Target), and 5x on travel booked through Chase’s portal. Redeeming your points for travel through Chase Ultimate Rewards® gives you 25% more value—making your rewards stretch further. In addition to everyday earnings, new cardholders can often secure a welcome bonus worth hundreds of dollars in travel after meeting the initial spending requirement. This makes the card especially appealing for those planning big purchases or upcoming vacations. The card also includes crucial travel protection benefits like primary rental car insurance, trip interruption coverage, and no foreign transaction fees, making it reliable whether you're traveling locally or abroad. With its valuable earning potential and practical perks, the Sapphire Preferred® is a smart choice for anyone looking to earn travel rewards efficiently without a high annual fee.
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Is there a foreign transaction fee with the Chase Sapphire Preferred® Card?
No, there are no foreign transaction fees, making it ideal for international travel.
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How much is the annual fee for the Chase Sapphire Preferred® Credit Card?
The annual fee is $95, which is easily offset by the rewards and benefits offered.
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What credit score is needed for approval?
A credit score of at least 700 is generally recommended for a strong chance of approval.
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Can I transfer points to airline or hotel partners?
Yes, you can transfer points 1:1 to numerous travel partners including United, Southwest, and Hyatt.
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Do points expire on the Chase Sapphire Preferred® Card?
No, as long as your account remains open and in good standing, your points do not expire.
How to Apply for the Chase Sapphire Preferred® Credit Card
Applying for the Chase Sapphire Preferred® Credit Card is straightforward and typically takes only a few minutes online. Before applying, ensure that you meet basic eligibility criteria, including a good to excellent credit score (typically 700 or above) and a stable income to support repayment. Chase also follows the “5/24 rule,” meaning if you’ve opened five or more credit cards in the last 24 months (across all issuers), you’re unlikely to be approved. To apply, visit the Chase website and locate the Sapphire Preferred® application page. There, you’ll need to provide personal information such as your full name, Social Security number, income details, and housing information. Chase may perform a hard credit inquiry, which could temporarily impact your credit score. If you’re instantly approved, your new card typically arrives within 7–10 business days. If your application isn’t approved immediately, Chase may request additional information or conduct a manual review, which could take a few days. Once you receive your card, be sure to activate it and link it to your Chase online account to start tracking spending and rewards. Setting up autopay and reading through the benefits guide can also help you optimize card use from day one.