In the realm of premium credit cards tailored for travel and dining enthusiasts, the Chase Sapphire Preferred® Card stands out as a stellar choice. This card is designed to elevate your experiences, offering generous rewards, valuable perks, and flexible redemption options.
Whether you’re a frequent traveler seeking to maximize points on airfare and hotel stays or a food enthusiast looking to earn rewards on dining experiences, this card delivers exceptional value.
Key information about the credit card

The Chase Sapphire Preferred® Card presents a compelling offer of 60,000 bonus points after spending $4,000 on purchases within the first 3 months of opening an account. These points can be redeemed for $750 worth of travel through Chase TravelSM.
The card also offers 5x total points on travel purchased through Chase TravelSM (excluding certain hotel purchases eligible for the $50 Annual Chase Travel Hotel Credit), 3x points on dining at restaurants and eligible delivery services, and 2x points on other travel purchases.
How does the annual fee work?
The Chase Sapphire Preferred® Card carries an annual fee of $95. This fee is charged annually and can be a consideration for potential cardholders. However, given the extensive travel and dining rewards and benefits, the annual fee can be easily offset by the value of the rewards earned.
How is the credit limit determined?
For conventional credit cards like the Chase Sapphire Preferred® Card, the credit limit is typically determined based on factors such as credit history, income, and existing debts. The credit card issuer evaluates these factors to assess the applicant’s creditworthiness and determines an appropriate credit limit.
Advantages of the credit card
- Extensive travel rewards: Earn up to 5x total points on travel purchases through Chase TravelSM, making it ideal for frequent travelers.
- Dining rewards: Enjoy 3x points on dining, including delivery services and dining out, providing excellent value for food enthusiasts.
- Flexible redemption options: Points can be redeemed for travel, cash back, gift cards, and more, offering flexibility in rewards utilization.
- No foreign transaction fees: Ideal for international travelers, as there are no fees for foreign transactions with this card.
Standout advantage
The standout advantage of the Chase Sapphire Preferred® Card is its Ultimate Rewards program. Cardholders can get 25% more value when redeeming points for travel through Chase TravelSM. This means that 60,000 points can be worth $750 when used for travel bookings.
Disadvantages
- Annual fee: While the rewards can offset the annual fee, it’s important to consider this cost.
- High APR: The variable APR ranges from 21.49% to 28.49%, which may not be suitable for those who carry balances.
Standout disadvantage
The standout disadvantage of this card is its annual fee of $95. While this fee can be justified by the rewards and benefits offered, it may not appeal to those seeking a no-annual-fee credit card option.
Who can apply for this card?
To be eligible for the Chase Sapphire Preferred® Card, applicants need to meet specific criteria. Firstly, there is a minimum age requirement, typically either 18 or 21 years old, depending on the region and local regulations. Additionally, there is a minimum income threshold that applicants must meet to demonstrate their ability to manage credit responsibly.
Moreover, a good credit history is essential for approval. This includes a track record of timely payments and responsible credit usage. Recent history of bankruptcy or delinquency could impact eligibility negatively. Chase also considers certain negative credit marks, which may disqualify individuals from obtaining the card.
Overall, meeting these criteria ensures that cardholders are financially stable and capable of managing credit responsibly, which aligns with the standards set by Chase for its Sapphire Preferred® Cardholders.
How to apply for the Chase Sapphire Preferred® Card
For the website
To apply for the Chase Sapphire Preferred® Card, begin by visiting Chase’s official website and navigating to the credit cards section, typically located under “Personal Banking” or “Credit Cards” on the main page. There, explore available options, including the prestigious Chase Sapphire Preferred® Card known for its exceptional benefits.
Click “Apply Now” next to the card description to access the application page. Complete the form with accurate personal details like your name, address, date of birth, and contact info. Specify your employment status and income details, crucial for credit assessment.
Review and respond to sections about banking relationships or offers. Double-check all entered information for accuracy before submitting. After submission, expect a confirmation acknowledging receipt of your request. Chase will communicate further via email or your Chase account regarding application status and next steps.
Through the App
To begin your journey towards acquiring the Chase Sapphire Preferred® Card, start by downloading the Chase mobile app from your preferred app store. Once the app is successfully downloaded and installed on your device, proceed to open it.
If you already have an existing Chase account, simply log in using your credentials. If you’re new to Chase, take a moment to create a new account by following the registration prompts within the app. This typically involves providing personal details such as your name, date of birth, address, and contact information.
After successfully logging in or creating your account, navigate to the credit card section within the Chase mobile app. This section can usually be found under the “Accounts” or “Services” tab, specifically labeled for credit cards.
Within the credit card section, locate and select the Chase Sapphire Preferred® Card from the list of available credit card options. The app will provide you with detailed information about the card’s features, benefits, and terms.
To proceed with the application, follow the prompts provided within the app interface. You’ll be guided through a series of steps to input necessary information required for the application process.
Take your time to carefully review each section of the application before proceeding to the next step. Ensure that all information entered is accurate and up to date to avoid any delays in processing your application.
Once you’ve completed all required fields and reviewed your application thoroughly, submit your application directly through the Chase mobile app by following the final prompts. You may receive a confirmation message acknowledging receipt of your application.
After submitting your application, you can track its progress within the Chase mobile app. Keep an eye on any notifications or messages you receive regarding the status of your application. Chase may also reach out to you via email or through your Chase account to provide updates or request additional information if needed.