How long does it take to get Chase Sapphire bonus points?
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Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
Earn 80,000 bonus points
after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.
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Earn 80,000 bonus points
after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$95
Rewards
Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.
Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
APR on Purchases
16.24% - 23.24% (V)
Balance Transfer
APR: 16.24% - 23.24% (V)
Balance Transfer Fee
Editor's Take
by John Kiernan
April 26th, 2022
Chase Sapphire Preferred Pros & Cons
80,000 points - initial bonus
Up to 6.25% back when redeeming for travel
No foreign transaction fees
$95 Annual fee
1 point per $1 base earn rate
Chase Sapphire Preferred's Additional Info
| cash advance fee | Either $10 or 5% of the amount of each transaction, whichever is greater. |
| cash advance APR | 25.24% (V) |
| foreign transaction fee | $0 |
| smart chip | Yes, chip-and-signature |
| max late fee | See Terms |
| max overlimit fee | See Terms |
| max penalty APR | 29.99% (V) |
| grace period | See Terms |
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Chase Sapphire Preferred FAQ
Don't see what you're looking for? Submit your question about Chase Sapphire Preferred® Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
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Has my card been sent?
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Can the miles earned be used for foreign travel, including airfare?
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Is Chase Sapphire Preferred a cash back credit card?
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Adam McCann
No, the Chase Sapphire Preferred® Card is not a cash back credit card. Although the Chase Sapphire Preferred does not offer cash back, it does have rewards, giving 1 - 5 points per $1 spent on purchases. The Chase Sapphire Preferred also has an annual fee of $95.
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Can you upgrade a Chase Sapphire Preferred credit card?
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Chip Lupo
Yes, you can upgrade your Chase Sapphire Preferred® Card to a better offer as long as you've had the card for at least 12 months, and you will have the best odds if your credit score and income have gone up since you applied. To see if your Chase Sapphire... show more
What is the best way to use Chase Sapphire Preferred points?
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Evelyn Boros
The best way to use Chase Sapphire Preferred® Card points is for travel through Chase Ultimate Rewards. Chase Sapphire Preferred points are generally worth 1.25 cents per point when redeemed this way, which is more value than the other redemption methods provide.
Ways to Redeem Chase Sapphire Preferred Points
... show moreDoes the Chase Sapphire Preferred card offer roadside assistance?
2
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Chip Lupo
Yes, the Chase Sapphire Preferred card does offer a roadside assistance benefit. Chase Sapphire Preferred roadside assistance gives cardholders 24/7 access to a wide range of services whenever their vehicle breaks down.
Chase Sapphire Preferred cardholders can call 1 (800) 847-2869 to request any of the following roadside assistance... show more
Does Chase Sapphire Preferred offer price protection?
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Kendall Morris
The Chase Sapphire Preferred® Card no longer offers price protection. Chase discontinued the price protection benefit, which provided coverage up to $500 per item and $2,500 per year, for the Chase Sapphire Preferred card in August 2018. Prior to that, if a cardholder purchased an eligible item with the Chase... show more
How can I freeze my Chase Sapphire Preferred card?
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Cameron DiGiovanni
To freeze a Chase Sapphire Preferred card, log in to your online account or the Chase mobile app and navigate to “Lock and Unlock Your Card.” You can also call Chase customer service at 1-800-432-3117 and ask them to freeze your card, though it is much easier to lock and... show more
Can I use my Chase Sapphire Preferred card instantly after approval?
2
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Evelyn Boros
Yes, you might be able to use the Chase Sapphire Preferred instantly after approval by adding it to your Digital Wallet.
To get started, sign in to your account via the Chase mobile app for iOS or Android. Scroll down, tap on Digital Wallets, and follow the instructions... show more
Compare The Chase Sapphire Preferred
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR16.24% - 23.24% (V)
Regular APRSee Pay Over Time APR
Regular APRSee Pay Over Time APR
Rewards Rate1 - 5 points / $1
Rewards Rate1 - 4 points / $1
Rewards Rate1 - 5 points / $1
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Chase Sapphire Preferred Video Review
Chase Sapphire Preferred Reviews
Share your insights and review the Chase Sapphire Preferred® Card
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4 Star Rating
The Chase Sapphire Preferred Card is a pretty awesome card but really it has to be right for you. You've got to travel a lot, so you can put those earned points to good use. You've got to have a really good credit score, just to get it. If it's a good card for you then you're golden because the card starts you with 40,000 points. Which is great and you get a point per dollar you spend. Which is also great. The only this is to only keep the card for a year because once that $95 annual fee kicks in, it's bad. So, I would really recommend this card to folks who can use it.
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5 Star Rating
HOLY COW this is the best credit card available right now! They offer simply the BEST rewards for their customers. Chase Sapphire Preferred Card offers a huge incentive bonus to join- the equivalent of 500 dollars in travel is just wonderful and no foreign transaction fees? Simply divine. The only thing that I raise my eyebrows to is the 95 dollar annual fee. That hurts. I suppose it might be worth it, but that really cuts into your savings when you have to spend 95 dollars to continue using it. This card reminds me of the Capital One credit card during their Double Miles Challenge. They doubled all the points from the previous year, and that would probably equal out to what the Sapphire card gives you in just a few months. Anyway, I think this card is great and I see what Gary Shaffer says about the negative aspects of the card, but if you have excellent credit then I don't think that you'll be using the features that have additional fees like the cash advance or balance transfers. Hope you enjoy this card!
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4 Star Rating
I had the Chase Sapphire card and I called Chase if I could upgrade to the Chase Preferred. Luckily, they agreed and now I have this preferred one. I use this credit card mainly for travel and booking hotel rooms. I like how they give you the promo of spend $3,000 in your first three months and then you'll get 40,000 points. This credit card is also similar to the Chase sapphire because you get 2x points on restaurants. So for people who like to eat, this is the credit card for you. The number that you call for the Chase sapphire preferred is a direct number that leads to ACTUAL people who can help you right away. No automated messages, just straight people who will help you trouble shoot about your issues. The Chase sapphire preferred is a very good card to have!
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1 Star Rating
This Chase Sapphire Preferred card has several negative aspects : Credit score must be EXCELLENT; it costs $95/year starting in the 2nd year-too high!, 15.24% is TOO HIGH interest rate;Balance transfers cost 3%-too high/excessive; $10 minimum-5% fee for cash advance-way too high!!; cash advance 19.24% too high! Its rewards are decent-20% off of hotels, car rentals is nice but I don't rent cars or travel much at all. My American Express card had NO yearly fee, no fees for balance transfers, a 12% yearly interest rate, 2% fee for cash advance with no minimum fee; very liberal credit score acceptance and its rewards was outstanding! For every $500 spent on their card I received $10 towards an American Express travelers Check !!! And, after 5 years of card use in good standing a $50 yearly American express Travelers Check bonus was issued to me!! Chase has a bad reputation over the past decade and American Express has remained solid. I choose American Express without question!
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Just because you don't have an excellent credit and need one to get the Chase Sapphire Preferred card score doesn't mean that this card should be rated 1 stars. It just means that you most likely are not financially responsible enough to be granted a card with such great benefits. Also if you got into the habit of not over extending yourself and paying off your credit card balance each month then the APR shouldn't matter. Also, anyone who uses cash advances is not probably that financially responsible either and should stay away from credit products. Just because you don't qualify for this card and that you can't pay off your balance each month does not mean this card is 1 star. It is a 5 star card for people with 5 star credit histories.
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3 Star Rating
$95 annual fee? No thanks Chase Sapphire Preferred Card, it doesn't make you really feel preferred if you need excellent score for an annual fee. There are tons of perks though, 40,000 bonus points after spending $3,000 in the first 3 months which equals $500 in travel points. You earn 2X points on travel and dining at restaurants and 1 point per dollar spent on all other purchases. Receive a 7% Annual Points Dividend on all new points earned on purchases which is pretty nice for a yearly bonus. Then it takes you to the APR for a annual fee card, it has a 15% APR, my Capitol One Quicksilver has a 12% APR and cash rewards, while this card can be some, its definitely not for me.
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4 Star Rating
This card was excellent. I felt very valued as a customer while using this card, and Chase seemed to go out of their way to ensure that remained the case throughout my entire time with this card. The rewards were excellent and if you used their travel agency, you could even save an ADDITIONAL 20% off of the flights they offered! That's in addition to the money you save by using the credit card points to pay for the flight in the first place! I used this perk to help pay for my honeymoon flight! I highly recommend this card. The only reason I didn't give it 4 stars is because the annual fee was a little too steep for me (the first year came free). Otherwise, it was excellent and I wish I could go back to having it again!
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1 Star Rating
My major problem with this card is its abysmal customer service. I recently spent 2 hours on the phone with the customer service and security departments because they couldn't fix a security hold. It caused major embarrassment for me and actually caused the lock out of a merchant's system because chase erroneously reported that my card was unlocked and ready for use. The merchant, a small business owner, was very gracious but that didn't take the edge off of their list of cc processing capability. I was transferred numerous times while on the phone with chase and at one point waited on hold for 30+ minutes (despite an estimate of 10 minutes). As of this moment, they still have not fixed the problem. I consider this the worst customer service experience of my life. I discourage anyone from applying for and using this card.
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Did you get that straightened out? I really like the specs this card has.
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1 Star Rating
Twice now I've contested a charge (and in 20 years I only lost one case with my other cards, when British Airways luggage broke down and they wouldn't let non-first class passengers on the flight, making them wait overnight and only reimbursing them an arbitrary 100 pounds total for transportation to a hotel in London, the hotel itself and two meals -- you try to get something for less than 200 pounds total for all of that in London, much less 100, which is why I never fly Brit Hairwaves ever again). The first time a theater company falsely advertised, and the Chase rep wouldn't let me contest the charge for my wife and myself, saying we hadn't contested before we entered. When I went up the chain with the company, they admitted the problem and refunded the entire cost. Now, Boston Park Plaza lied to me about a Facility Fee being already included in our pre-paid hotel (and I trust the person so did not record on my iPhone, a mistake I'll never make again with other places), and as a result I accepted the optional wifi. Then we get a charge a week later. When I contested it, the Chase rep said I had to prove the rep told me the charge was covered. How do I do that without having time-travel? I am finding another card, that gives the consumer at least a fighting chance against unscrupulous merchants. I just closed my Chase savings account also.
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5 Star Rating
I was able to recently do a balance transfer to my Chase Sapphire from another credit card at a much lower interest rate. I could not believe how much less I was being charged in interest fees each month. It was over a $45 difference. I actually kept paying the same amount until the balance was paid off. It was just that now this $45 was going towards principle instead of the interest fee. Another nice thing about the card is their cash back feature. This has come in handy on occasion when I was low in funds at the end of the month.
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5 Star Rating
As far as travel cards go, the Chase Sapphire Preferred card is one of my favorites, if not my most favorite. I got a 40,000 point bonus, which translated to a $400 credit, how awesome is that? This is the absolute best travel card, especially for those who travel frequently and spend a lot. Every time you use points to book travel through Chase, 20% of those points are automatically refunded. For example, 50,000 pints becomes 65,000, and $500 becomes $625. Again, awesome. You earn 2 points per dollar spent on travel and dining and one point per dollar elsewhere. Once a year every year, Chase pays out a 7% rewards dividend. The annual fee is $95 but was waived the first year. Having the card for about a year, I’ve had to deal with customer service of course, and my experience was about average. It was what one could expect from dealing with a big bank.
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Expert Thoughts on Chase Sapphire Preferred
To help people learn more about Chase Sapphire Preferred Card, WalletHub's editors posed the following questions to a panel of experts. You can meet our panelists and read their responses below.
- Do you expect initial rewards bonuses on travel rewards credit cards to get better or worse in the wake of the COVID-19 pandemic?
- How much do people need to travel for a travel rewards credit card that charges an annual fee to be worthwhile?
- What should consumers watch out for when booking airfare, hotel reservations and other travel accommodations through a credit card company’s rewards portal?
Harold S. Lee
Ph.D., CHIA, Clinical Assistant Professor, Hospitality and Tourism Management, University of North Texas, College of Merchandising Hospitality and Tourism
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Ph.D., CHIA, Clinical Assistant Professor, Hospitality and Tourism Management, University of North Texas, College of Merchandising Hospitality and Tourism
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Murat Kizildag
Ph.D., MBA, Associate Professor of Finance & Vice Chair of College Assessment, Rosen College of Hospitality Management, University of Central Florida
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Ph.D., MBA, Associate Professor of Finance & Vice Chair of College Assessment, Rosen College of Hospitality Management, University of Central Florida
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Jeremy C. Clement
MBA, PMP, Senior Instructor, Internship Coordinator, Department of Hospitality and Tourism Management, Director, Schottland Scholars Program, College of Charleston
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MBA, PMP, Senior Instructor, Internship Coordinator, Department of Hospitality and Tourism Management, Director, Schottland Scholars Program, College of Charleston
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Seung suk Lee
Assistant Professor, Arkansas Tech University
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Assistant Professor, Arkansas Tech University
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Mary Jo Ross
Ph.D., CSEP, CPCE, Associate Professor, College of Business, Slippery Rock University
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Ph.D., CSEP, CPCE, Associate Professor, College of Business, Slippery Rock University
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Drew Martin
Professor in the School of Hotel, Restaurant and Tourism Management, College of Hospitality, Retail and Sport Management, University of South Carolina
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Professor in the School of Hotel, Restaurant and Tourism Management, College of Hospitality, Retail and Sport Management, University of South Carolina
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Offer last updated: Apr 26th, 2022 at 08:04 ET