Chase Sapphire Preferred® Card: A Leading Choice for Travel and Everyday Rewards

Premium Value Without the Premium Price

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The Chase Sapphire Preferred® Card is one of the most popular travel rewards cards on the market because it delivers incredible value at a relatively low annual cost. With strong earning rates on travel and dining, flexible redemption options, and access to Chase’s industry-leading Ultimate Rewards® program, this card is designed for people who want to maximize both everyday spending and travel experiences. Cardholders earn 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining, online grocery purchases, and select streaming services, plus 2X points on all other travel purchases. Every other purchase earns 1X point. These points can be redeemed for cash back, gift cards, or travel, but the real value comes when they’re redeemed through the Chase Ultimate Rewards® portal, where each point is worth 25% more. That means 60,000 points equal $750 toward travel. Another highlight is the card’s travel protections. Benefits like trip cancellation/interruption insurance, primary rental car coverage, purchase protection, and extended warranties make it as secure as it is rewarding. With no foreign transaction fees, it’s a card built for both domestic and international use. While it carries an annual fee, the Sapphire Preferred is far less expensive than many premium cards yet still delivers luxury-level benefits. For frequent travelers who want to stretch their dollars further, it’s one of the best-balanced credit cards available today.

Advantages of the Chase Sapphire Preferred® Card

Strong Bonus Categories

The Chase Sapphire Preferred® is built for those who love travel and dining. Cardholders earn 5X points on travel purchased through Chase Ultimate Rewards®, 3X on dining at restaurants (including delivery and takeout), 3X on online grocery purchases, and 3X on select streaming services. You’ll also earn 2X points on all other travel purchases. This broad range of categories ensures that most of your everyday spending is covered. The ability to earn at an accelerated rate in popular spending areas makes this card especially attractive for travelers and food enthusiasts who want rewards to accumulate quickly.
When you redeem points through the Chase Ultimate Rewards® portal, they are worth 25% more. That means 60,000 points, the typical sign-up bonus, translates into $750 toward travel instead of just $600 in cash. This enhanced value is one of the card’s most appealing features, as it maximizes the impact of your rewards. You can use points for flights, hotels, car rentals, or experiences, all without blackout dates. This added redemption power is a major reason the Sapphire Preferred is seen as one of the strongest travel cards available at a moderate annual fee.
One of the Sapphire Preferred’s greatest strengths is the ability to transfer points to over a dozen leading airline and hotel loyalty programs at a 1:1 ratio. Partners include United, Southwest, JetBlue, Marriott, Hyatt, and IHG. This flexibility allows you to unlock even greater value by booking directly with travel brands and often scoring higher redemption rates than through the portal. For frequent travelers, this feature can stretch your points significantly further, especially when paired with loyalty elite status or special promotions. It’s a key reason the card is beloved by points enthusiasts.
Beyond rewards, the Sapphire Preferred offers strong peace of mind through travel and purchase protections. Benefits include trip cancellation and interruption insurance, primary rental car collision coverage, baggage delay insurance, and trip delay reimbursement. On top of that, purchases are covered by extended warranties, purchase protection against damage or theft, and fraud monitoring. These features add significant value for travelers and shoppers alike, ensuring you’re protected against the unexpected. Having this level of insurance included at no extra cost is a major benefit compared to many other mid-tier cards.

Disadvantages of the Chase Sapphire Preferred® Card

3 Considerations Before Applying

Although modest compared to premium cards, the $95 annual fee may still be a drawback for consumers who prefer no-fee options.
To maximize the 25% point boost, you must redeem through Chase Ultimate Rewards® for travel. Cash back and other redemptions are worth less.
Unlike higher-tier cards, the Sapphire Preferred does not include airport lounge access, travel credits, or luxury benefits.

How to Apply for the Chase Sapphire Preferred® Card

6 Steps to Apply

Visit the official Chase website.
Navigate to the credit cards section and select the Chase Sapphire Preferred®.
Review the card’s features, benefits, and annual fee.
Click Apply Now to begin your application.
Provide personal, employment, and financial information.
Submit your application and wait for Chase’s approval decision.

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