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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card
Our rating:4.3 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

CreditCards.com 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 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 Ultimate Rewards®.
Reward Rates
5XEarn 5X points on travel purchased through Chase Ultimate Rewards®.
3XEarn 3X points on dining.
2XEarn 2X points on all other travel purchases, plus more.
Balance Transfers Intro APR
N/A
Purchases Intro APR
N/A
Regular APR
15.99%-22.99% Variable
Annual Fee
$95

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 Ultimate Rewards.

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

Highlights

  • 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 Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points 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, 60,000 points are worth $750 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.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

Features

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

Staff Review

Editor's Rating:

4.3 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 CreditCards.com 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