The Chase Sapphire Preferred Card is a popular card among travelers. It offers a hefty signup bonus, flexible points that transfer to many frequent traveler programs, and big discounts when redeeming points for travel through Chase Ultimate Rewards.
You’ll get 2X points per dollar on travel and dining at restaurants. Use this card for all your travel and dining spending, and then use the points for travel expenses.
People also like this card because it’s made of metal. It’s one of our picks for The Best Travel Credit Cards.
Confused about all the different amounts listed on your credit card bill? Read our guide to paying credit cards here.
- Annual Fee $95 - Waived first year
- Intro Purchase APR -
- Regular Purchase APR 17.49–24.49% Variable
- 2X points for every $1 spent on travel and dining at restaurants
- 1X point for every $1 spent on all other purchases
- Transfer points to eligible frequent travel programs, including British Airways Executive Club, Korean Air SKYPASS, Singapore Airlines KrisFlyer, Southwest Airlines Rapid Rewards®, United MileagePlus®, Virgin Atlantic Flying Club, Amtrak Guest Rewards®, Hyatt Gold Passport®, Marriott Rewards®, IHG®Rewards Club and The Ritz-Carlton Rewards®
- Signup Bonus 50,000 bonus points for spending $4,000 in the first 3 months, 5,000 bonus points after adding an authorized user and making a purchase in the first 3 months
- Chip Technology Chip-and-Signature
- Foreign Transaction Fee 0%
- Intro Balance Transfer APR -
- Regular Balance Transfer APR 17.49–24.49% Variable
- Cash Advance APR 26.49% Variable
- Penalty APR See Terms
- Late Fee Up to $37
- Returned Payment Fee Up to $37
Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.
Exclusive Sapphire℠ Events and Experiences
Special travel and event opportunities for cardholders.
20% Point Bonus
If you redeem for airfare, hotel stays, car rentals and cruises through Chase Ultimate Rewards®.
No Blackout Dates or Restrictions
As long as you can find a seat on the flight, you will be able to book it using Chase Ultimate Rewards.
Visa Signature® Concierge Service
Get 24/7 help with any non-emergency tasks, like making dining reservations or getting travel information.
Invite Friends for Bonus Points
You’ll earn 10,000 bonus points for every friend you refer who successfully applies for the card, up to 50,000 points per year.
Help planning your expenses and managing your account.
Year-end summary of your previous transactions
Get a birds-eye view on the years spending.
24/7 Access to Customer Service Specialists
Call anytime for professional customer service.
Zero Liability Protection
You will not be held responsible for unauthorized use of your card.
Provides coverage for 120 days against theft and damage, up to $500 per incident and $50,000 per account.
Extended Warranty Protection
Extends a manufacturer’s warranty by 1 year, for warranties of 3 years or less.
If you made a purchase in the U.S. that you find advertised at a cheaper price within 90 days, you can get reimbursed the difference; up to $500 per item, $2500 per year.
Store won’t take back your eligible item? No problem. Get reimbursed for eligible items purchased on your card if you make the return within 90 days of purchase; up to $500 per item, $1000 per year.
Chase Global Lifeline℠
24/7 emergency service assistance when traveling, including card replacement and cash access.
Trip Cancellation / Trip Interruption Insurance
If a trip is disrupted for an eligible reason, provides reimbursement up to $10,000 per trip for non-refundable costs.
Travel and Emergency Assistance
Provides help with emergencies, including legal and medical referrals.
Trip Delay Reimbursement
If a trip is delayed by over 12 hours, provides reimbursement for expenses like meals and lodging, up to $500 per ticket.
Lost Luggage Reimbursement
If checked or carry-on bags are lost or damaged, provides reimbursement up to $3,000 per passenger.
Auto Rental Collision Damage Waiver
Provides coverage against theft and collision, as long as the car rental company’s own insurance is declined.
Travel Accident Insurance
Accidental death or dismemberment coverage of up to $500,000 when you pay for travel by air, bus, train or cruise with your card.
Baggage Delay Insurance
Reimbursement for purchases such as toiletries and clothing when baggage delays go beyond 6 hours by the passenger carrier; up to $100 a day for 5 days.
Read about experiences others have had with this card and leave your own review here.
Submit your review
I have this card and was disappointed to discover that the travel discounts are fictitious. Chase claims that your points are '25% more valuable' when you use them to purchase travel services via their website. But, in the instances I checked, their travel services prices were more than 25% higher than booking direct with the provider (or many other websites for that matter). So, the points are not really 25% more valuable. When I asked them about this, I got all sorts of non-sensible answers from different people. In the end, they just claimed "we disagree on what 'more value' means"! I found their response to be non-credible and a clear indication that they are not as reputable as their marketing people would like you to believe. But, if you set aside that benefit as being the non-benefit that it is, you still may find the $95 fee worth it as long as you don't have another $95 card in your wallet.