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®.
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
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
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?
Can the miles earned be used for foreign travel, including airfare?
Is Chase Sapphire Preferred a cash back credit card?
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.
... show more
Can you upgrade a Chase Sapphire Preferred credit card?
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?
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?
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?
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?
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?
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
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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?
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., MBA, Associate Professor of Finance & Vice Chair of College Assessment, Rosen College of Hospitality Management, University of Central Florida
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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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Assistant Professor, Arkansas Tech University
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Ph.D., CSEP, CPCE, Associate Professor, College of Business, Slippery Rock University
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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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