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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card
Our rating:4.9 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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Intro Bonus
60,000 bonus pointsEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
Reward Rates
5x5x on travel purchased through Chase Travel℠.
3x3x on dining, select streaming services and online groceries.
2x2x on all other travel purchases.
1x1x on all other purchases.
Balance Transfers Intro APR
Purchases Intro APR
Regular APR
21.49% - 28.49% Variable
Annual Fee

Great for:

Getting a large sign-up bonus of flexible Chase Ultimate Rewards points. Points take on 25% more value for Sapphire Preferred cardholders when redeemed for travel through Chase Travel.

The Chase Sapphire Preferred is one of our picks for the best credit cards.


  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC


  • Airline
  • Auto Rental Insurance
    Auto Rental Insurance
  • Concierge Service
    Concierge Service
  • Dining
  • EMV
  • Excellent Credit
    Excellent Credit
  • Extended Warranty Program
    Extended Warranty Program
  • Hotel
  • Lost Luggage Reimbursement
    Lost Luggage Reimbursement
  • Mobile Pay Ready
    Mobile Pay Ready
  • No Foreign Transaction Fees
    No Foreign Transaction Fees
  • Points
  • Popular
  • Primary Auto Rental Insurance
    Primary Auto Rental Insurance
  • Purchase Protection
    Purchase Protection
  • Rewards
  • Roadside Assistance
    Roadside Assistance
  • Travel
  • Travel Accident Insurance
    Travel Accident Insurance
  • Travel Assistance
    Travel Assistance
  • Trip Cancellation Insurance
    Trip Cancellation Insurance
  • Unsecured credit card
    Unsecured credit card
  • Visa
  • Zero Fraud Liability
    Zero Fraud Liability

Staff Review

Editor's Rating:

4.9 out of 5

Our take: The Chase Sapphire Preferred Card offers valuable rewards for frequent travelers, as well as the potential for savvy rewards card users to glean some extra value out of their rewards.

Read full review

All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.

Cardholder Reviews

Chase Sapphire Preferred® Card

Average Ratings: (collected by Chase)
4.5 out of 5 stars
Ratings and reviews provided by issuer as of 2021-01-29.

For customer reviews and the most recent star ratings please click here