Michael Anderson
Sunday, September 21, 2025 at 12:50 AM EDT
Chase Sapphire Preferred® Credit Card
A top travel rewards card with a big bonus, flexible redemption, and reliable protections—at a reasonable fee.
- Select “Apply Now” to apply online
- Annual fee: $95
- 75,000 bonus points after $5,000 spend in 3 months
- 5× points on travel booked via Chase
- 3× points on dining, select streaming services, and online groceries
- 1× point on all other purchases
- 10% points bonus each account anniversary
- $50 annual hotel credit via Chase Travel
- Trip cancellation/interruption insurance
- Baggage delay coverage
- Primary rental car collision damage waiver
- No foreign transaction fees
- Transfer points to airline and hotel partners
Credit Card Review
Chase Sapphire Preferred® Credit Card earns 75,000 bonus points after you spend $5,000 in the first 3 months. You get 5× points on travel booked through Chase, 3× on dining, select streaming, and online grocery orders, and 1× on everything else. Each year, you earn bonus points worth 10% of your total spending.
You also receive a $50 hotel credit for stays booked through Chase Travel. The card includes trip cancellation, baggage delay, and primary rental car insurance. It has no foreign transaction fees and lets you transfer points 1:1 to popular airlines and hotels.
Points are worth 25% more when redeemed for travel through Chase Ultimate Rewards®. You also get access to exclusive experiences like dining events and entertainment offers. Purchase protection and extended warranty coverage are included for added peace of mind. The annual fee is $95, making it affordable compared to premium travel cards. Overall, it’s one of the best starter travel cards for maximizing everyday spending.
- Generous sign-up bonus
- High earnings on key spending categories
- Anniversary points boost
- Strong travel and purchase protections
- Flexible and valuable points transfer partners
- $95 annual fee
- Bonus categories exclude everyday spending
- Requires minimum spending to unlock rewards fully
How to Apply for Chase Sapphire Preferred® Credit Card
Check Eligibility
Confirm Chase Sapphire Preferred® Credit Card fits your travel goals, annual fee tolerance, and how you plan to redeem points or miles.
Prepare Your Information
Gather your legal name, address, date of birth, Social Security number, income, employment details, and monthly housing payment.
Apply on the Issuer Site
Use the Apply button for Chase Sapphire Preferred® Credit Card and complete the secure issuer application form with accurate information.
Review the Decision
Review approval details, welcome offer terms, and any transfer partners or travel protections included with the card.
Activate and Set Up
Activate the card and connect travel accounts or wallets so you can start earning and managing rewards right away.
Alex M.
"The rewards are straightforward and the mobile app made account setup quick."
Priya R.
"Good value for regular travel purchases and useful alerts for tracking spending."
Jordan T.
"The category rewards helped us reduce yearly grocery and gas costs more than expected."
Eligibility & Requirements
These are general credit card requirements. Exact approval criteria, minimum credit profile, and verification steps vary by issuer and product.
Age & Residency
Applicants are generally expected to be at least 18 years old (19 in some states) and provide a valid U.S. residential address.
Identity Verification
Most issuers require legal name, date of birth, Social Security number or ITIN, and contact details for identity checks.
Income Information
You may need to report total annual income, employment status, and housing payment so the issuer can evaluate repayment ability.
Credit Profile
Approval usually depends on your credit history, recent inquiries, and current debt levels. Required score range varies by issuer.
Application Accuracy
Details should match official records and your credit file to avoid extra verification steps or decision delays.
Final Issuer Decision
Meeting baseline criteria does not guarantee approval. Terms, limit, APR, and fees are determined by the issuer after review.
Common Questions
How do I apply for Chase Sapphire Preferred® Credit Card?+
Use the Apply button on this page to go to the issuer site, complete the application with accurate personal and income details, and submit for a decision.
Can I get an instant decision for Chase Sapphire Preferred® Credit Card?+
Many issuers provide an instant approval or pending message right away, but some applications are manually reviewed and can take longer.
Is Chase Sapphire Preferred® Credit Card better for points or simple travel credits?+
That depends on how you travel. Some cards work best for transfer partners, while others are better for easy statement credits or fixed-value redemptions.
What should I check before applying for Chase Sapphire Preferred® Credit Card?+
Review the annual fee, welcome offer terms, travel protections, foreign transaction fees, and redemption flexibility.
Can I use Chase Sapphire Preferred® Credit Card immediately after approval?+
Some issuers provide instant card access or a temporary number, but availability varies by issuer and product.
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