Chase Sapphire Preferred® Card

Card details
on Capital One's secure website
4.5, 1867 votes
Card details
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Purchases Intro APR N/A
Balance Transfers Intro APR N/A
Regular APR 16.74% - 23.74% Variable
Annual Fee Introductory Annual Fee of $0 the first year, then $95
Recommended credit score
690 850 Good, Excellent
Our Review
  • Large sign-up bonus
  • Flexible rewards
  • Foreign travel

Chase Sapphire Preferred Card, different from other cards tied to a specific airline or hotel brand, can be used in many places. Users will earn 2 points per $1 spent on dining and travel and 1 point per $1 devoted to other purchases. Plus, people will get 50,000 bonus points when spending $4,000 on purchases in the first three months the account opens. Meanwhile, Chase Sapphire Preferred Card comes with the sign-up bonus.


What makes Chase Card no better than the airline-specific co-branded cards is that it lacks the perks, like free checked bags and priority boarding. This card may be not worth you own if you don’t frequently spend on travel and restaurants though its annual fee is not too much.


Chase Sapphire Preferred Card will be the best card around if you want the flexibility in redeeming and earning rewards. However, people who’d like to travel had better choose some other co-branded cards since Chase lack such specific benefits.