Chase Sapphire Preferred® Card Review

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Courtesy of Chase

Best for: Frequent travelers, group who are caller to rewards programs

Why we for illustration it: Great rewards connected recreation and eating purchases for a debased yearly fee

Welcome offer: bonus_miles_full

Annual fee: annual_fees

Intro APR: intro_apr_rate,intro_apr_duration

Regular APR: reg_apr,reg_apr_type

Recommended in installments score: credit_score_needed

The Chase Sapphire Preferred® Card is 1 of nan champion entry-level travel in installments cards, and pinch bully reason. With a debased yearly interest of $95, it offers plentifulness of rewards connected different categories, arsenic good arsenic a assortment of security policies and different benefits.

Its operation of prize categories, travel-related security sum and precocious constituent redemption worth erstwhile purchasing recreation done Chase Travel℠ make it 1 of nan astir wide recommended cards for anyone looking to prevention connected their globetrotting.

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Chase Sapphire Preferred® Card pros and cons


  • Points are worthy 25% much erstwhile redeemed for recreation done Chase Travel℠
  • Cardholders get a prize astatine nan extremity of nan twelvemonth equaling 10% of nan full spent
  • The car rental collision harm waiver is superior security coverage, which is uncommon for a paper successful this annual-fee category
  • High rewards connected travel, eating and prime streaming services


  • Doesn’t connection a connection in installments for TSA PreCheck aliases Global Entry, which is offered by immoderate competitors among travel-focused cards

Chase Sapphire Preferred® Card overview

The Chase Sapphire Preferred® Card offers exceptional worth for its $95 yearly fee. It has a precocious reward complaint successful a assortment of prize categories, including 5x points connected recreation done Chase Travel ℠ and 3x points connected dining, among others.

These rewards, on pinch ample security coverage, nary overseas transaction fees and a agelong database of transportation partners make it an fantabulous prime for predominant flyers.

However, it does supply mundane benefits for each that clip not spent traveling.

It offers 3x points connected online market purchases (excluding Target®, Walmart® and wholesale clubs) and prime streaming services, arsenic good arsenic extended warranty and acquisition protection for regular purchases from electronics to family appliances.

Some of nan highlights that make nan paper genuinely radiance include:

  • Primary rental car insurance, a use mostly offered by overmuch much costly cards
  • 25% further redemption worth erstwhile purchasing recreation done Chase Travel ℠
  • An relationship day prize successful points adjacent to 10% of nan full spent each twelvemonth — that is 5,000 points for $50,000 spent, for example.

Unfortunately, nan paper doesn’t see a connection in installments for Global Entry aliases TSA PreCheck®, which immoderate competitors presently offer.

Chase Sapphire Preferred® Card rewards

This paper offers immoderate of nan champion reward rates connected nan marketplace erstwhile it comes to travel, eating and groceries (excluding superstores and wholesale clubs).

How do you gain points pinch nan Chase Sapphire Preferred® Card?

Like pinch galore different in installments cards, you gain points pinch nan Chase Sapphire Preferred® by simply utilizing it, but you get much points erstwhile your purchases autumn wrong nan pursuing prize categories:

  • 5x points connected recreation done Chase Travel ℠, isolated from for edifice purchases that suffice for nan $50 Annual Chase Travel Hotel Credit
  • 5x points connected Lyft rides done March 31, 2025
  • 5x points connected Peloton purchases done March 31, 2025
  • 3x points connected dining, including eligible transportation and takeout
  • 3x points connected online market purchases, excluding Target, Walmart and wholesale clubs
  • 3x points connected prime streaming services, which see Netflix, Hulu, Max, Disney+, Apple TV+ and more
  • 1x points connected different eligible purchases

You tin besides harvester your Chase Sapphire Preferred® points pinch points from different Chase cards, specified arsenic nan Chase Freedom Unlimited® aliases Chase Freedom Flex®.

Redeeming your points

You tin redeem points successful a assortment of ways. In nan Chase Travel portal, you tin redeem points for rate (which will beryllium deposited into your slope account), connection credits to thief offset your paper balance, gift cards aliases usage them for disposable purchases, including recreation booked done nan portal. You tin besides usage points connected different sites and services, specified arsenic PayPal and Amazon.

Points are worthy 1 cent each erstwhile redeemed arsenic a connection in installments aliases arsenic a gift paper done Chase online portal. However, this worth changes erstwhile redeemed successful different ways. When redeemed for recreation done nan portal, points person an further worth of 25%, meaning each constituent is worthy 1.25 cents. This translates to a $400 airplane summons being worthy $300 successful points, for example.

The points could besides beryllium redeemed for much than 1 cent each, moreover up to 1.5 cents, connected typical offers done Chase Travel erstwhile utilized astatine participating stores.

You tin besides transportation points to 1 of their 14 transportation partners astatine a 1:1 ratio. These include:


  • Aer Lingus, AerClub
  • Air Canada Aeroplan
  • British Airways Executive Club
  • Emirates Skywards®
  • Flying Blue AIR FRANCE KLM
  • Iberia Plus
  • JetBlue TrueBlue
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards®
  • United MileagePlus®
  • Virgin Atlantic Flying Club


  • IHG® Rewards Club
  • Marriott Bonvoy®
  • World of Hyatt®

Note that erstwhile you redeem points extracurricular of nan Chase proprietary portal, these mightiness beryllium worthy little than 1 cent, depending connected nan level and existent offers.

Chase Sapphire Preferred® Card benefits

Insurance and warranties

  • Trip cancellation/interruption insurance. Under this policy, you could get reimbursed for hotel, airfare and different costs if a travel is trim short owed to covered emergencies, specified arsenic inclement upwind aliases illness, up to $10,000 per personification and $20,000 per trip.
  • Auto rental collision harm waiver. Primary rental car sum up to nan rate worth of nan car, some successful nan United States and internationally. Primary rental sum intends that there’s nary request to show individual security astatine nan beforehand table and nan card’s argumentation covers damages without nan request to record a declare pinch your car security company. Secondary insurance, which galore competitors offer, would only screen what your regular car security wouldn’t.
  • Baggage hold insurance. If baggage is delayed complete six hours, cardholders tin get $100 regular to screen expenses specified arsenic clothing and toiletries, for up to 5 days.
  • Trip hold insurance. If a formation is delayed complete 12 hours, cardholders tin get up to $500 per ticket.
  • Purchase protection. Eligible purchases made pinch nan paper (with immoderate exclusions specified arsenic surviving creatures, package and aesculapian equipment) are covered for 120 days, pinch a limit of $500 per declare and $50,000 complete nan lifespan of your account.
  • Extended warranty. Adds a twelvemonth to nan manufacturer’s warranty of a covered item.

Statement credits

  • $50 Annual Chase Travel Hotel Credit. A connection in installments of up to $50 will beryllium awarded for edifice purchases made done Chase Travel each day year. After reaching those $50, edifice expenses paid done nan level will gain 5x points.
  • Instacart connection credits. Cardholders tin get up to $15 successful connection credits each 4th for eligible Instacart purchases done pinch your Chase Sapphire Preferred® Card. Valid until July 2024.

Other benefits

  • Complimentary DashPass subscription. The Chase Sapphire Preferred® Card presently offers a DashPass rank of astatine slightest 1 twelvemonth for each cardholders if they activate it earlier December 31, 2024. DashPass is DoorDash’s premium subscription, which waives transportation fees for orders complete $12, among different benefits.
  • Complimentary Instacart+ membership. Cardholders get a six-month Instacart+ rank erstwhile activated earlier July 31, 2024. Instacart+ is Instacart’s premium subscription service, worthy $9.99 a period aliases $99 a year. It waives transportation fees connected orders complete $35 and provides different benefits arsenic well.
  • My Chase Plan®. This use allows cardholders to salary for purchases of $100 aliases much successful monthly installments without accruing further interest. It does complaint a fixed monthly interest of 1.72% of nan full amount, however.
  • Anniversary bonus. The Chase Sapphire Preferred® Card offers an relationship day bonus, which equals 10% of your full purchases successful points. For example, if you spent $50,000 connected nan paper passim nan full year, you’ll get a 5,000 constituent bonus.

Chase Sapphire Preferred® Card liking rates and fees

Regular APR: reg_apr,reg_apr_type

Intro APR: intro_apr_rate,intro_apr_duration

Balance transportation APR: balance_transfer_rate

Balance transportation intro APR: balance_transfer_intro_apr,balance_transfer_intro_duration

Cash beforehand APR: cash_advance_apr

Annual fee: annual_fees

Foreign transaction fee: foreign_transaction_fee

Balance transportation fee: balance_transfer_fees

Cash beforehand fee: cash_advance_fee

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Chase Sapphire Preferred® Card FAQs

How do I downgrade from nan Chase Sapphire Preferred® Card?



If you want to downgrade your Chase Sapphire Preferred® Card for immoderate reason, you tin interaction Chase customer work and inquire for nan disposable downgrade options, which successful nan lawsuit of nan Chase Sapphire Preferred® Card mightiness beryllium nan Chase Freedom Unlimited® aliases Chase Freedom Flex℠®.

What airlines does Chase Sapphire Preferred® Card activity with?



Chase partners pinch 11 airlines done their Chase Ultimate Rewards® transportation program. These see Aer Lingus, Air Canada, British Airways, Emirates, Air France, Iberia, JetBlue, Singapore Airlines, Southwest Airlines, United Airlines and Virgin Atlantic.

How do I usage nan Chase Sapphire Preferred® Card edifice credit?



Cardholders get their Annual Ultimate Rewards Hotel Credit automatically erstwhile spending up to $50 successful qualifying edifice purchases done Chase Ultimate Rewards®. After those $50, edifice purchases done nan level will output 5x points.

How we evaluated nan Chase Sapphire Preferred® Card

In bid to reappraisal nan Chase Sapphire Preferred® Card, we evaluated nan pursuing factors:

  • Annual fee. The yearly interest is simply a superior facet successful determining nan wide worth a paper tin provide. It’s besides important erstwhile comparing really a peculiar paper stacks up to different cards successful nan aforesaid value range.
  • Rewards. We evaluated not conscionable nan complaint of rewards offered, but nan usefulness and diverseness of nan categories for which they’re offered.
  • Insurance. While rewards often get nan spotlight, security sum is conscionable as, if not more, important. We looked astatine nan different security policies offered arsenic good arsenic nan level of coverage.
  • Additional benefits. Other benefits are besides taken into information and compared to nonstop competitors’ offerings. These see benefits specified arsenic connection credits, complimentary memberships, lounge entree and more.
  • Other fees. We looked astatine applicable fees, including overseas transaction, equilibrium transportation and precocious fees.

Summary of Money’s Chase Sapphire Preferred® Card Review

The Chase Sapphire Preferred® Card is simply a well-rounded, entry-level recreation paper that offers a assortment of ways to accrue points arsenic good arsenic a wide array of security policies for almost immoderate recreation mishap. At its value constituent of $95 a year, it offers nan highest worth successful its category.

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