Simone Lawson
The Chase Sapphire Preferred® Card is a popular choice for those looking to earn rewards and perks for their spending. With a $95 annual fee, the card offers benefits such as bonus points for spending a certain amount in the first few months, 5x points on travel, 3x points on dining, select streaming services, and online groceries, 2x points on other travel purchases, and 1x points on all other purchases. The card also provides additional perks such as annual travel credits, comprehensive travel protections, and no foreign transaction fees. For those seeking more luxurious benefits, the Chase Sapphire Reserve® Card is an enhanced version with a higher annual fee and more premium perks.
| Characteristics | Values |
|---|---|
| Annual Fee | $95 |
| Bonus Points | 60,000 bonus points after spending $5,000 in the first 3 months |
| Points on Dining | 3X points on dining |
| Points on Travel Purchases | 5X points on travel purchased through Chase TravelSM |
| Points on Streaming Services | 3X points on select streaming services |
| Points on Online Groceries | 3X points on online groceries (excluding Target, Walmart, and wholesale clubs) |
| Points on Other Travel Purchases | 2X points on all other travel purchases |
| Points on Other Purchases | 1X points on all other purchases |
| Annual Chase Travel Hotel Credit | $50 |
| Anniversary Bonus | 10% anniversary points boost |
| Foreign Transaction Fees | None |
| Purchase and Travel Protections | Extended warranty protection, baggage delay insurance, primary rental car insurance, trip delay reimbursement, etc. |
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What You'll Learn
Chase Sapphire Preferred® Card offers 3X points on dining
The Chase Sapphire Preferred® Card is a great choice for those looking to earn rewards on dining purchases. For a modest annual fee of $95, cardholders can take advantage of the card's competitive earning rate of 3X points on dining, including select streaming services and online groceries (excluding Target, Walmart, and wholesale clubs). This means that for every dollar spent on dining, you earn three points, which can quickly add up to significant rewards.
In addition to the 3X points on dining, the card also offers 2X points on all other travel purchases and 1X points on all other purchases, making it a versatile option for everyday spending. The points are worth 50% more when redeemed for travel booked through Chase Travel℠, and cardholders can also transfer their rewards to various travel partners, including World of Hyatt and Southwest Rapid Rewards. This flexibility allows cardholders to maximize the value of their points when booking travel.
One of the key benefits of the Chase Sapphire Preferred® Card is its comprehensive travel protections. The card offers extended warranty protection, baggage delay insurance, primary rental car insurance, trip delay reimbursement, and more. These protections provide peace of mind when travelling and can save you hundreds, if not thousands of dollars in unexpected expenses. The card also charges no foreign transaction fees, making it ideal for international travellers.
The Chase Sapphire Preferred® Card is an excellent starter card for those new to the world of points and miles. To take advantage of the welcome bonus, new cardholders can earn a bonus of 60,000 points by spending $5,000 on purchases within the first 3 months of account opening. This bonus, along with the ability to earn 3X points on dining, makes the card a valuable tool for anyone looking to get more from their dining and travel purchases.
It's important to note that the Chase Sapphire Preferred® Card requires good to excellent credit for approval, with a recommended credit score of at least 700. Additionally, the card does not offer any interest-free financing options, so it's essential to pay your balances in full to avoid incurring interest charges. Overall, the Chase Sapphire Preferred® Card is a powerful tool for earning rewards on dining and travel purchases, offering a range of benefits that can provide significant value for cardholders.
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Cardholders can earn bonus points on dining purchases
The Chase Sapphire Preferred® Card offers a host of benefits for a modest annual fee of $95. One of its standout features is the ability for cardholders to earn bonus points on dining purchases.
Cardholders can earn 3X points on dining, which includes select streaming services and online groceries (excluding Target, Walmart, and wholesale clubs). This means that for every dollar spent at restaurants or on eligible food delivery services, cardholders earn three points. This applies to dining both within the United States and abroad, and there are no foreign transaction fees.
The card also offers complimentary access to DashPass, which provides $0 delivery fees and reduced service fees for a minimum of one year when activated by December 31, 2027. This benefit further enhances the value proposition for those who frequently order food delivery.
In addition to the bonus points on dining, the Chase Sapphire Preferred® Card also offers 2X points on all other travel purchases and 5X points on travel booked through Chase Travel℠. This makes it an excellent choice for those seeking a low-cost travel card with added benefits for dining purchases.
To maximise the bonus points on dining purchases, cardholders can take advantage of the various partner benefits associated with the card. These benefits can provide additional savings on dining purchases, making the card an even more rewarding option for those who frequently dine out or order food delivery.
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Chase Sapphire Preferred® is a good starter card for beginners
The Chase Sapphire Preferred® Card is a great starter option for beginners looking to earn rewards and points on their purchases. For a modest $95 annual fee, the card offers a host of benefits and perks that can quickly offset the cost.
One of the standout features of the Chase Sapphire Preferred® Card is its earning potential. Cardholders can earn 3X points on dining, select streaming services, and online groceries (excluding Target, Walmart, and wholesale clubs). This means that for every dollar spent on dining and other eligible categories, you earn three points, which can quickly add up to significant rewards. Additionally, the card offers 5X points on travel purchased through Chase Travel℠, 2X points on all other travel purchases, and 1X points on all other purchases.
The Chase Sapphire Preferred® Card also comes with a generous welcome bonus. New cardholders can earn 60,000 bonus points after spending $5,000 on purchases in the first 3 months from account opening. This bonus is a great way to boost your points balance right from the start.
Another advantage of the Chase Sapphire Preferred® Card is the ability to transfer rewards to Chase's travel partners, including World of Hyatt, Southwest Rapid Rewards, and many others. This flexibility allows cardholders to maximize the value of their points by redeeming them for travel bookings. Points are worth 50% more when redeemed for travel through Chase Travel℠, making your rewards even more valuable.
The card also offers a range of travel protections, including extended warranty protection, baggage delay insurance, primary rental car insurance, trip delay reimbursement, and more. These protections provide peace of mind when travelling and can save you money in unexpected situations.
While the Chase Sapphire Preferred® Card is a great starter option for beginners, it's important to note that it requires good to excellent credit for approval. Aiming for a credit score of at least 700 will increase your chances of qualifying. Additionally, while there's no minimum income requirement, a higher income may improve your approval odds and result in a higher credit limit.
In summary, the Chase Sapphire Preferred® Card is a fantastic choice for beginners looking to dip their toes into the world of rewards and points. With its generous earning rates, welcome bonus, travel benefits, and partner redemptions, it offers a well-rounded package that can provide significant value for a relatively low annual fee.
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$127.49
Cardholders can transfer rewards to travel partners
The Chase Sapphire Preferred® Card is a top pick for dining out, both in the U.S. and abroad. The card offers 3X points on dining and select streaming services, and charges no foreign transaction fees, all for a modest $95 annual fee. Plus, the card earns 3X points on online grocery purchases (excluding Target, Walmart and wholesale clubs), 2x on all other travel purchases, and 1x on all other purchases.
Cardholders can transfer rewards to all of Chase's travel partners, including World of Hyatt, JetBlue TrueBlue, Singapore Airlines KrisFlyer, Virgin Atlantic Flying Club, Southwest Rapid Rewards, and many more. Points are worth 25% more value when redeemed for airfare, hotels, car rentals, and cruises through Chase Travel℠. Cardholders can also transfer their rewards to another card that they or someone in their household holds, as long as that card is one of the cards that allow transfers to partner airline and hotel brands.
The Chase Sapphire Preferred® Card is a great choice for those new to travel rewards credit cards or those looking to avoid paying high annual fees. The card earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.
To make the most of your Chase Sapphire Preferred® Card, you can combine the points earned with those from another Chase card, such as the Freedom Flex or Freedom Card, to redeem them with transfer partners. This way, you can get more value for your Pay Yourself Back and Chase Ultimate Rewards Travel redemptions.
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The card offers annual travel credits and protections
The Chase Sapphire Preferred® Card is a great option for those who want to earn rewards and protections on their dining and travel purchases. The card offers an array of benefits for a modest annual fee of $95.
One of the standout features of the card is the annual $50 travel credit, which can be used for hotel stays purchased through Chase Travel. This credit can help offset the cost of your hotel accommodations, making it a valuable perk for frequent travellers. In addition, cardholders can earn bonus points on travel purchases, including 5x points on flights and 2x points on all other travel purchases, excluding hotel stays.
The Chase Sapphire Preferred® Card also provides comprehensive travel protections. These protections include legal and medical referrals, emergency assistance services, primary rental car insurance, trip cancellation/interruption insurance, and lost luggage insurance. Cardholders can also benefit from primary rental car coverage, which provides reimbursement of up to $60,000 for theft or collision damage for most rental vehicles.
Another advantage of the card is the ability to earn rewards on dining purchases. Cardholders can earn 3x points on dining at restaurants and eligible delivery services, takeout, and dining out. This includes select streaming services and online grocery purchases, excluding some major retailers. Additionally, the card offers complimentary access to DashPass, which provides $0 delivery fees and lower service fees for a minimum of one year when activated by December 31, 2027.
The Chase Sapphire Preferred® Card also provides priority access to events, such as concerts and sporting events, ensuring cardholders get the best seats in the house. Furthermore, cardholders can earn bonus points on purchases beyond dining and travel, such as 5x points on Peloton equipment and accessory purchases over $150.
Overall, the Chase Sapphire Preferred® Card offers a range of benefits that cater to those who frequently dine out and travel, providing an opportunity to earn rewards and enjoy protections that enhance their experiences.
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Frequently asked questions
The Chase Sapphire Preferred Card offers 3x points on dining and select streaming services, with no foreign transaction fees. This includes restaurants and online grocery purchases (excluding Target, Walmart, and wholesale clubs).
The Chase Sapphire Preferred Card has a $95 annual fee and offers a host of benefits, including travel credits, comprehensive travel protections, and high spending limits.
The Chase Sapphire Preferred Card requires good to excellent credit, with a recommended credit score of at least 700. It is also subject to the Chase 5/24 rule, limiting approval to those who have not opened five or more credit cards in the past 24 months.
To maximise the benefits of the card, it is recommended to use it for everyday spending and large purchases, especially in bonus categories like dining and travel. This will help you accumulate points and take advantage of the card's rewards.
The points can be redeemed for travel purchases, with a 50% bonus when booked through Chase Travel. Additionally, you can transfer your rewards to Chase's travel partners, such as World of Hyatt and Southwest Rapid Rewards, for greater flexibility and value.
