thumb_up Why You’ll Love the Chase Sapphire Preferred®

The Chase Sapphire Preferred® Card stands out for travelers and foodies alike, offering generous rewards and exclusive travel benefits. Its flexible points system lets you redeem through Chase or transfer to travel partners for optimal value. Built-in protections like travel insurance and purchase coverage offer peace of mind, and the modest annual fee makes it more accessible than high-end travel cards. Whether you’re booking flights or dining out, you’re maximizing every dollar spent.

• done Earn 2x points on travel and dining worldwide.
• done 25% more value when redeeming points for travel through Chase Ultimate Rewards®.
• done Comprehensive travel protection including trip delay and baggage insurance.
• done Option to transfer points 1:1 to leading airline and hotel loyalty programs.

thumb_down What to Watch Out For with the Chase Sapphire Preferred®

While packed with perks, the Chase Sapphire Preferred® Card isn’t without its drawbacks. There’s a $95 annual fee, which may not appeal to occasional travelers. Rewards categories are limited, meaning everyday purchases outside of dining and travel won’t earn extra points. Also, international travelers should note that while there are no foreign transaction fees, availability of transfer partners may vary depending on your destination. Plus, to fully benefit, you’ll need to engage actively with the Chase Ultimate Rewards® portal.

• close Annual fee of $95.
• close Limited bonus categories beyond travel and dining.
• close Optimal rewards require using Chase’s travel portal or transfer partners.

help How to Apply for the Chase Sapphire Preferred® Card

Applying for the Chase Sapphire Preferred® Card is a simple online process. You’ll need to meet credit requirements—typically good to excellent credit (score 690+). Visit the official Chase website and provide your personal and financial details. Make sure your credit profile is in good standing to boost your approval chances. Once approved, your card is mailed and typically arrives within 7–10 business days. Be ready to start earning rewards right away by meeting the initial spending requirement for the welcome bonus.

1. Visit the official Chase website.
2. Navigate to the Chase Sapphire Preferred® Card application page.
3. Fill out the application form with your personal, employment, and financial information.
4. Submit the application and wait for approval (some receive an instant decision).
5. If approved, your card will be mailed to you within 7–10 business days.
6. Activate your card and start using it to work toward the welcome bonus.

The Chase Sapphire Preferred® Card has long been a favorite among savvy spenders, especially those who prioritize travel, dining, and a simple yet powerful rewards structure. Unlike more premium travel cards that come with hefty fees, this one strikes a perfect balance between cost and benefit. With just a $95 annual fee, it opens the door to a world of travel flexibility and point maximization. You’ll earn double points on all travel and dining purchases, and one point per dollar elsewhere. But its real power is in the redemption: when booking through Chase Ultimate Rewards®, your points go 25% further.