Chase Sapphire Preferred® Credit Card: the ultimate travel rewards card
The Chase Sapphire Preferred® Credit Card is a top-tier option for travelers and foodies looking to turn everyday purchases into valuable rewards. With a generous welcome bonus, elevated travel protections, and flexible point redemption, this card stands out in the competitive rewards landscape.
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Generous Welcome Bonus
Earn 60,000 bonus points after spending $4,000 in the first 3 months — worth up to $750 toward travel through Chase Ultimate Rewards®.
Enhanced Travel Redemptions
Points are worth 25% more when redeemed for travel through Chase Ultimate Rewards®, maximizing every point earned.
1:1 Point Transfer to Travel Partners
Transfer points to leading airline and hotel loyalty programs like United, Southwest, Hyatt, and Marriott — one point for one mile or point.
Robust Travel & Purchase Protections
Includes trip cancellation insurance, auto rental collision coverage, baggage delay insurance, and more.
Why the Chase Sapphire Preferred® Card Stands Out
The Chase Sapphire Preferred® Credit Card is frequently recommended as the best all-around travel rewards card for beginners and seasoned travelers alike. Its real value lies in the flexibility it offers through the Chase Ultimate Rewards® portal and its industry-leading transfer partners. Cardholders earn 2x points on travel and dining and 1x on all other purchases. With points redeemable for flights, hotels, and even unique experiences, this card allows users to craft memorable trips while saving money. Plus, the 25% boost in value when redeeming through Chase Ultimate Rewards® makes every point stretch further. Whether booking a family vacation or a solo adventure, the Chase Sapphire Preferred® empowers users to travel smarter and earn as they spend.
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What credit score is needed for the Chase Sapphire Preferred®?
You’ll generally need a credit score of 670 or higher (good to excellent) for approval.
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Does the Chase Sapphire Preferred® have an annual fee?
Yes, the card has a $95 annual fee.
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Do Chase Sapphire Preferred® points expire?
No, as long as your account remains open and in good standing, your points do not expire.
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Can I transfer my points to airline or hotel partners?
Yes. Points can be transferred at a 1:1 ratio to over a dozen travel loyalty programs.
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Is there foreign transaction fee with this card?
No, the Chase Sapphire Preferred® Credit Card charges no foreign transaction fees, making it ideal for international travel.
How to Apply for the Chase Sapphire Preferred® Credit Card
Applying for the Chase Sapphire Preferred® is a straightforward process, and approval is often quick for those with good to excellent credit. To begin, visit the official Chase website and locate the card’s application page. Here, you’ll be prompted to enter basic personal information, including your name, address, Social Security number, income, and employment status. Make sure your credit score is at least in the good range (typically 670 or higher) to boost your chances of approval. Chase may also evaluate your recent card activity and the number of accounts you’ve opened in the past 24 months (Chase's "5/24 rule"). Once submitted, most applicants receive a decision within minutes. If approved, you’ll receive your card by mail within 7–10 business days. Once activated, you can immediately start earning points on eligible purchases — and work toward that lucrative welcome bonus.