Chase Sapphire Preferred
The Chase Sapphire Preferred Credit Card is a favorite among travelers and everyday spenders who want to turn purchases into valuable rewards.
By: Zienic
Earn 2X points on travel and dining
Earn 2X points on travel and dining, making every meal and trip more rewarding.
Redeem with more value
Redeem points through Chase Ultimate Rewards with 25% more value.
Flexible transfer partners
Enjoy flexible point transfers to leading airline and hotel partners.
Built-in travel protections
Get travel protections like trip cancellation insurance and rental car coverage.
Why the Chase Sapphire Preferred Credit Card Stands Out
The Chase Sapphire Preferred Credit Card is designed for people who want to maximize their travel and lifestyle spending without breaking the bank. One of its biggest draws is the ability to earn 2X points on travel and dining, which quickly add up if you enjoy exploring new places or dining out regularly. Plus, all other purchases still earn 1 point per dollar, so no transaction goes unrewarded. What really elevates this card is the redemption flexibility. When you redeem through the Chase Ultimate Rewards portal, your points are worth 25% more, stretching your rewards further whether you’re booking flights, hotels, car rentals, or experiences. If you prefer loyalty programs, you can also transfer points to major partners like United, Southwest, Hyatt, or Marriott at a 1:1 ratio. Travel protections sweeten the deal further. You get trip cancellation/interruption insurance, primary car rental coverage, and purchase protection—benefits that usually come with higher-fee cards. With a modest annual fee, the Chase Sapphire Preferred strikes the perfect balance between affordability and premium perks.
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What credit score do I need to qualify?
You’ll generally need a good to excellent credit score (around 700+) to be approved.
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Does the card have an annual fee?
Yes, the Chase Sapphire Preferred has a modest annual fee, but it’s offset by the rewards and benefits.
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Can I transfer points to airlines and hotels?
Absolutely. You can transfer points 1:1 to partners like United, Southwest, Hyatt, and Marriott.
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What travel protections are included?
The card includes trip cancellation/interruption insurance, rental car coverage, and purchase protection.
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How long does approval take?
Most applicants get a decision within minutes, though some may take a few days for further review.
How to Apply for the Chase Sapphire Preferred Credit Card
Applying for the Chase Sapphire Preferred Credit Card is a straightforward process. Start by visiting the Chase website, where you’ll find the official application page. You’ll need to provide basic personal information like your name, Social Security number, income, and employment details. Chase uses this information to determine your creditworthiness and eligibility. To improve your chances of approval, it’s ideal to have a good to excellent credit score, typically around 700 or higher. Chase also considers factors such as your income-to-debt ratio and how you’ve managed credit accounts in the past. If approved, you’ll usually receive your card within 7–10 business days. Keep in mind that Chase has its well-known “5/24 rule,” meaning if you’ve opened five or more credit cards with any issuer in the past 24 months, your application may be denied. Before applying, review your recent credit activity to make sure you meet this criterion. Once you receive the card, activate it online or by phone, and start using it to earn points immediately. Consider setting up automatic payments to avoid missed due dates and interest charges, so you can fully enjoy the rewards without added costs.