クレジットカード
Chase Sapphire Preferred Credit Card: Premium Travel Rewards
The Chase Sapphire Preferred offers robust travel rewards, dining bonuses, and flexible redemptions. A top choice for savvy spenders and travelers!
広告
別のウェブサイトにリダイレクトされます
Advertisement
Take your travel experience to the next level
The Chase Sapphire Preferred Credit Card shines for its impressive travel benefits and the freedom it offers when redeeming points.
With a competitive annual fee and a suite of benefits, it caters to both frequent travelers and those seeking to maximize everyday spending.
- Credit Score Requirement: Good to Excellent (typically 700+)
- Annual Fee: $95
- Purchase APR: Variable, ranging from 20.74%–27.74%
- Cash Advance APR: 29.49% Variable
- Rewards Structure:
- 5x points on travel booked through Chase Travel℠
- 3x points on dining, select streaming services, and selected online grocery purchases
- 2x points on other travel-related expenses
- 1x point on all other purchases
Chase Sapphire Preferred: A detailed look
The Chase Sapphire Preferred Credit Card is designed for individuals who value travel and dining experiences.
It offers a robust rewards program that enhances the value of everyday expenditures.
Advertisement
Who Is It For?
This card is ideal for:
- Frequent travelers who value flexible and versatile ways to redeem rewards, whether for flights, hotels, or unique experiences.
- Food lovers who often dine out, explore new restaurants, or prefer the convenience of ordering in.
- Individuals aiming to maximize rewards on everyday spending, including streaming service subscriptions and online grocery purchases, excluding wholesale or large discount retailers.
Why Is It Special?
This credit card stands out for its unique features, including:
- A substantial welcome offer of 60,000 points is available when $4,000 is spent in the first quarter
- Points gain an extra 25% value when used for travel bookings made through Chase Travel℠
- Effortlessly convert points into rewards with equal-value transfers to leading airline and hotel partners
- Extensive protections for both travel and purchases
Advertisement
Unlock the full potential of your credit card benefits
To make the most of the Chase Sapphire Preferred Credit Card’s reward system, strategic use of its features is essential. Here are some practical tips:
- Focus on Bonus Categories:
Maximize your points by prioritizing spending in bonus categories, such as travel booked through Chase Travel℠ (5x points) and dining (3x points). - Combine it With Other Chase Cards for Enhanced Earning Potential:
Use cards like the Chase Freedom Flex℠ or Chase Freedom Unlimited℠ to earn higher points on non-bonus categories, then combine points in your Sapphire Preferred account for better redemption options. - Leverage Online Grocery Rewards:
Take advantage of the 3x points on eligible online grocery purchases by using the card for bulk orders or recurring deliveries (not valid for purchases at Walmart, Target, or membership-only warehouse stores). - Keep an Eye on Promotions:
Chase often runs limited-time offers for increased rewards on select spending categories, providing extra opportunities to boost your points balance. - Optimize Your Points:
Use the 1:1 point transfer to travel partners to maximize value, especially for premium flights or exclusive hotel stays. - Utilize the Chase Travel℠ Portal for Bookings to Optimize your Points:
Redeem points here for a 25% boost in value, ideal for flights, hotels, and car rentals.
Weighing the pros and cons
Understanding the strengths and limitations of the Chase Sapphire Preferred Credit Card is crucial for potential applicants.
Pros
The card offers several notable benefits:
- Generous Sign-Up Bonus: A rewarding sign-up bonus of 60,000 points awaits once the spending threshold is met.
- Enhanced Point Value: Points are worth 25% more when used for travel bookings through Chase Travel℠.
- Flexible Point Transfer: Effortlessly transfer points to a range of airline and hotel partners at a 1:1 rate.
- Diverse Categories: Accumulate higher points on travel, dining, streaming services, and online grocery purchases.
- Trip Coverage: Stay protected on the go with trip insurance and primary rental car coverage.
- No Foreign Transaction Fees: Perfect for international use, the card comes with no fees for foreign transactions.
Cons
Potential drawbacks include:
- Yearly Charge: The $95 annual fee may be less appealing to occasional travelers.
- Limited Elevated Categories: Some spending areas earn only the base rate of 1 point per dollar.
- Redemption Restrictions: Maximizing point value often requires booking travel through Chase Travel℠.
Applying for the card
Applying for the Chase Sapphire Preferred is a simple online process.
- Visit the Official Website: Navigate to the Chase credit cards page and select the Sapphire Preferred option.
- Initiate the Application: Click on “Apply Now” to access the secure application form.
- Provide Personal Information: Supply your personal details, including name, address, contact information, and Social Security Number.
- Disclose Financial Details: Include your employment status, annual income, and housing expenses.
- Review and Submit: Ensure all information is accurate before submitting the application.
- Await Decision: Chase may provide an instant decision or request additional information.
Eligibility Requirements
Applicants should meet the following criteria:
- Applicants must be 18 years or older, or 19 in some states like Alabama and Nebraska
- Possess a valid SSN or ITIN
- Have a U.S. residential address
- Maintain a credit score in the good to excellent range (typically 700 or higher)
Learn about other options
While the Chase Sapphire Preferred delivers impressive travel rewards, the Delta SkyMiles® Gold American Express Card stands out as a strong alternative for loyal Delta Air Lines customers.
With a valuable welcome offer, everyday rewards in miles, and perks like complimentary checked bags and early boarding on Delta flights, this card caters to frequent flyers.
With an introductory annual fee waiver and benefits designed for frequent Delta travelers, it provides tailored value for those who regularly fly with the airline.
In conclusion, the Chase Sapphire Preferred Credit Card delivers versatile rewards and travel benefits suitable for a broad audience.
However, if your travel preferences align more with Delta Air Lines, exploring the Delta SkyMiles® Gold American Express Card could provide more tailored advantages.
To learn more about the benefits and unique features of the Delta SkyMiles® Gold American Express Card, check out our detailed review and see if it’s the right fit for your travel needs.
Delta SkyMiles® Gold
Learn about the Delta SkyMiles® Gold Card's perks, like free checked bags and travel rewards for Delta flyers.
トレンドトピック
Guru Review: Revolutionizing Knowledge Management for Teams
Discover Guru and elevate team knowledge sharing and collaboration with AI insights and real-time verification.
読み続ける
Tor Browser Review: Navigating the Web in Stealth Mode
Stay private online with Tor Browser. Discover its advantages and why it's the go-to choice for safeguarding your digital identity.
読み続ける
Grow Debit Mastercard: 手数料なしで信用を築く
Grow Debit Mastercard で簡単にクレジットを構築できます。クレジット履歴が限られている方に最適な、手数料無料、借金なしのソリューションです。
読み続けるあなたも気に入るかもしれない
AliExpress – Online Shopping Adventure for Everyone!
Learn all about AliExpress, its vast product range, and how it connects buyers and sellers from around the globe.
読み続ける
