The Chase Sapphire Preferred Credit Card is ideal for those seeking a versatile card focused on travel and rewards. From the first use, it offers a clear points structure, making it a great choice for turning everyday spending into experiences.
With a generous welcome bonus, purchase protections, and access to exclusive benefits, the Sapphire Preferred goes beyond traditional cashback. It stands out by delivering real value through airfare, hotels, restaurants, and more.
If you’re ready to see how this card can elevate your financial lifestyle, keep reading to discover why the Chase Sapphire Preferred is a top pick in its category.
Meet the Issuer
Chase is one of the largest banks in the U.S. and part of JPMorgan Chase & Co., globally recognized for its stability and innovation. With millions of customers, the institution offers financial products that combine convenience, security, and attractive rewards.
Its card lineup serves a wide variety of users—from those looking to save to those who value luxury travel. Strong brand reputation and excellent customer service are key strengths for cardholders.
The Chase Sapphire Preferred exemplifies the company’s commitment to high-performance products offering smart rewards and premium features.
Main Benefits of the Card
Points on Travel and Dining: Earn 2x points per dollar spent on travel and dining—including restaurants, delivery, and takeout—and 1x point on all other purchases.
Generous Welcome Bonus: Receive 60,000 points after spending $4,000 in the first 3 months. Points are worth up to $750 toward travel when redeemed through Chase Ultimate Rewards®.
25% More Value on Redemptions: Redeem points through Chase Ultimate Rewards and receive 25% more value for qualified travel purchases.
Trip Cancellation Insurance: Get reimbursed for eligible trip cancellations or interruptions due to illness, weather, and other covered events.
Rental Car Coverage: Enjoy primary auto rental collision damage waiver, which covers theft and collision damage when you pay in full with the card.
Purchase Protection and Extended Warranty: New purchases are protected against damage or theft for up to 120 days. Manufacturer warranties are extended up to one additional year.
DashPass and Lyft Pink Access: Get one year of free DashPass (DoorDash) and three months of Lyft Pink, including delivery perks and ride discounts.
No Foreign Transaction Fees: Perfect for international travel, the card does not charge foreign transaction fees.
Chase Sapphire Preferred: Fees and Commissions
The card has an annual fee of $95. Considering its benefits—such as a welcome bonus, travel rewards, and protections—it delivers significant value when used consistently.
The APR is variable and ranges between 21.49% and 28.49%, depending on creditworthiness. Terms are subject to change, so it’s important to check the Chase website for the most current details before applying.
Card Limit
The credit limit is determined based on the applicant’s financial profile, including credit score, income, and payment history. A strong profile often leads to a more competitive starting limit.
Chase reviews accounts periodically, so responsible use and on-time payments may result in credit line increases over time.
Positive points
- Generous Bonus:Earn 60,000 bonus points after spending $4,000 within the first 3 months of account opening.
- Double Rewards:Receive 2x points on all travel and dining purchases, ideal for frequent travelers.
- No Foreign Fees:Make international purchases without any extra charges, perfect for trips abroad.
Negative points
- Annual Fee:A $95 annual charge applies, regardless of how often you use the card.
- High APR:Carrying a balance can lead to high interest costs over time.
- Travel-Focused Rewards:Best suited for travel enthusiasts rather than everyday cashback users.
How to Apply for Chase Sapphire Preferred Credit Card
- Visit the official Chase Bank website
- Navigate to the credit cards section
- Select the Sapphire Preferred Credit Card
- Click “Apply Now” to begin
- Fill in your personal and financial information
- Provide annual income and employment details
- Review all terms and accept
- Submit your application for review
- Wait for approval and card delivery
How to Contact Chase Sapphire Preferred
For support or questions, contact Chase through the following channels:
- Phone: 1-800-432-3117
- Customer Support: Available 24/7
- Email: Via secure messaging on Chase’s official website
- Online Chat: Available on the Chase app or desktop site
The Chase Sapphire Preferred Credit Card combines valuable travel rewards, everyday protections, and robust customer service. If you’re looking for a card that turns your spending into memorable experiences, this might be your perfect match. Apply now and start earning on every purchase.