Chase Sapphire Preferred Card overview

One of the top-rated travel rewards credit cards is the Chase Sapphire Preferred® Card (see rates and fees) which is one of many popular card holders. If you want to get more value from your travels but don’t need lounge access, it’s a great choice for those who would like the best. It’s one of our best cards to suggest for those who like travelling and love travel.” 12***** **Card rating* *,.

*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

At TPG, one of the most common questions we get asked is, “Which travel credit card should I start with?”

It earns valuable points, provides useful benefits and has a low, reasonable $95 annual fee that we almost all recommend the Chase Sapphire Preferred Card.

It’s a good option for beginners and intermediate travelers, especially as it’d be designed to travel frequently and casually. It was a card that many of us started our journey into points and miles.

A credit score of at least 670 is recommended by TPG for the card to be eligible; however, it’s not uncommon for someone to get approved with a lower score.

Here’s what you need to know about the Sapphire Preferred if you’re thinking about adding it to your wallet.

Chase Sapphire Preferred pros and cons

| Pros | Cons |
| — | — |
| * Part of valuable Chase Ultimate Rewards ecosystem * Bonus points on travel and dining * Premium travel protections * Useful annual hotel credit * Anniversary bonus points | * Has an annual fee * No lounge access |

Chase Sapphire Preferred welcome offer

For example, if you spend $5,000 on purchases in the first three months from account opening, new Chase Sapphire Preferred Card holders earn 75,000 bonus points.

This is higher than the standard bonus on this card.

The value of this bonus is up to $1,538, according to our December 2025 valuations if you pass your points on one of Chase’s airline or hotel partners.

THE POINTS GUY

If you are under Chase’s 5/24 rule, be sure that you qualify for the welcome bonus. And so, that means you haven’t opened five or more personal credit cards across all banks in the last two years.

Chase accepts multiple Sapphire cards, but a welcome bonus is strict and often only once per card. During the application, you’ll see an app pop up saying “I know I have to be sure whether we can get the bonus” or not.

Related: Who should (and shouldn’t) get the Chase Sapphire Preferred?

Chase Sapphire Preferred benefits

In addition to the welcome bonus, there are many appealing perks to being a Sapphire Preferred Card holder.

Chase TravelSM will offer you a statement credit of up to $50 for hotel stays booked when you open the card and on each account anniversary thereafter. When you charge a person, it automatically applies to your account every year. Note, though the $50 credit does not earn Chase Ultimate Rewards points. ) and.

CHASE

Additionally, cardholders also receive a 10% anniversary points bonus each year. This bonus is based on your total spending during the account anniversary year at 1 point per $10 spent. For example, if you pay $30,000 to get on your card during your year as a cardholder, at the end of the year they will earn 3,000 bonus points.

It also gives you at least one year of free DoorDash DashPass membership, including free delivery and reduced service charges on eligible purchases (activate by Dec.). a 31, 2027) Is it worth doing DoorDash already if you have doordashes?

For example, if you have an DashPass membership that activated Sapphire Preferred Card holders, they can earn $10 per month for nonrestaurant purchases on DoorDash (a great way to save money on a quick convenience store purchase).

DOORDASH

At last, the Sapphire Preferred is a perfect travel booking for flights, hotels and cruises. That’s why we have full travel protections, including.

• Baggage delay insurance
• Lost luggage reimbursement
• Primary rental car coverage
• Trip delay reimbursement
• Trip cancellation/interruption insurance

It also includes shopping benefits like:

• Extended warranty protection
• Purchase protection

Related: 7 Chase Sapphire Preferred benefits you might not know about

Earning points with the Chase Sapphire Preferred

The Chase Sapphire Preferred has a lucrative earning structure that is easy to maximize. You’ll earn:

• 5 points per dollar spent on travel booked through Chase Travel (excluding the $50 hotel credit)
• 5 points per dollar spent on Lyft purchases (through Sept. 30, 2027)
  5 points per dollar spent on Peloton equipment and accessories purchases of $150 or more (through Dec.) 31, 2027 (25,000 bonus points) – .
• 3 points per dollar spent on dining, select streaming services and online grocery store purchases*
• 2 points per dollar spent on all other travel not booked through Chase Travel
• 1 point per dollar spent on everything else

*The elevated earning rate for online grocery store purchases excludes Target, Walmart and wholesale clubs.

DEJAN MARJANOVIC/GETTY IMAGES

That’s one of the highest paying rates, especially since you’re earning valuable Chase Ultimate Rewards points. There are cards out there that earn more points per dollar on dining and groceries,’ said .

Related: Is the Chase Sapphire Preferred worth the annual fee? I say yes

Redeeming points with the Chase Sapphire Preferred

When you redeem the points you’ve earned with the Chase Sapphire Preferred, you’ll see how the card shines.

For those who want to transfer partners (explained in the next section) it’s best to use your points for booking flights, accommodation and car rentals through Chase Travel all at upto 1 per cent. 75 cents per point, depending on the specific redemption (see your rewards program agreement for details)

It’s not necessarily a worry about blackout dates or finding award space; that means you can always book travel with your points. For example, if you have your points on a flight or ‘a hotel room’ and the seat is available, you can pay for it.

WESTEND61/GETTY IMAGES

In addition to cash back or gift cards (1 cent per point) and for a slightly higher value, when you use Chase’s Pay Yourself Back option.

But such redemptions can be more valuable than transferring your points back to Chase’s travel partners, so we recommend not going for them whenever possible.

** Related: Chase Ultimate Rewards sweet spots: From international business class to domestic travel **

Transferring points with the Chase Sapphire Preferred

If you have Chase points, the best way to get maximum value is to transfer them to one of Chase’s 10 airline or three hotel partners. We’ve got a few of our favorite World of Hyatt for luxury hotel stays and Air Canada Aeroplan, Air France-KLM Flying Blue and British Airways Club for comfortable flights.

If you turn your points into a point, Chase often runs transfer bonus promotions where you can earn up to 50% more miles or points when you convert your scores.

IMPRESSION MOXCHE BY SECRETS/HYATT

For example, TPG contributing editor Matt Moffitt regularly transfers points to Hyatt, booking hotels in Europe for as few as 3,500 points per night during the summer.

A transfer partner for the aspirational travel is a good way to maximize your Ultimate Rewards points and get value from your Sapphire Preferred spending.

Which cards compete with the Chase Sapphire Preferred?

The Sapphire Preferred is hard to beat, but it’s worth comparing it to other cards:

if you like Capital One** If you’re interested in a Capital one-affiliated card, the best bet is The CapitalOne Venture Rewards Credit Card. It offers an easier earning model for the same $95 annual fee. Nevertheless, Capital One miles are worth just under Chase points (TPG’s December 2025 valuations) Read more in our full review of the Venture Rewards.
The American Express® Green Card is a high earning travel, dining and transit card for * If you like American express Please read the following. For example, an annual credit of up to $209 Clear Plus per calendar year is more than offsets its higher $150 annual fee. In addition, Amex has more transfer partners than Chase and offers more frequent transfer bonuses than the other two companies (plus), plus, amex. See our full review of Amex Green. Read more », the AmEx Green and The Amix Green (Amex) | Watch More

• If you want more perks: The

Chase Sapphire Reserve®

See rates and fees) are higher on select travel purchases, as well as high perks such as airport lounge access and an annual travel credit for a $795 annual fee hike. See details for our full review of Sapphire Reserve ».

For additional options, check out our full list of the best starter credit cards.

A point’s Guy, has independently collected the information for the American Express Green Card. card details on this page have not been reviewed or provided by the Card issuer, nor has he/she had any written comment about his card.

Related: Hot take: Which Sapphire product is best? 2 experts vehemently disagree

Bottom line

Chase Sapphire Preferred If you’re ready to step up from your cash-back or no-annual credit card, a great card to apply for is the Chase sappse. After more than 15 years ago, it’s still considered one of the best rewards credit cards since its introduction. That’s what makes the most points available and it’re flexible enough to meet the rewards goals of frequent travelers as well as beginners like you.

Apply here: Chase Sapphire Preferred Card

Thanks for reading Chase Sapphire Preferred review: A top travel card