Unlock Premium Travel Rewards, Hotel Credits, and Built-in Protections for Every Journey

Imagine booking your next domestic getaway or international vacation—complete with flights, boutique hotels, and rental cars—and covering a major portion of the expense using points earned from everyday purchases like dining out, gas, streaming, and groceries.

For consumers who dream of traveling more frequently, using a standard cash-back card often limits long-term value. While fixed cash back offers immediate statement savings, it rarely opens the door to outsized travel redemptions, airline partner upgrades, or comprehensive travel protection policies that save thousands when plans go wrong.

See the Sapphire Preferred Card

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The Chase Sapphire Preferred® Card represents one of the most flexible and widely praised entry points into the world of travel rewards. Designed to convert routine daily expenses into valuable travel capital, this card balances high earning multipliers, premium partner transfer options, and exceptional travel protections—all for a reasonable $95 annual fee.

What Is the Chase Sapphire Preferred® Card?

The Chase Sapphire Preferred® Card is a premier travel rewards credit card engineered for both occasional vacationers and frequent travelers looking to maximize the value of their spending. Its primary purpose is to earn flexible Chase Ultimate Rewards® points, which can be redeemed directly through the Chase Travel portal or transferred to leading airline and hotel loyalty programs.

Unlike basic credit cards that limit redemptions to fixed store catalogs or flat cash-back rates, the Sapphire Preferred card serves as an all-in-one financial ecosystem. It distinguishes itself by combining everyday bonus categories—such as dining, gas, streaming, and online groceries—with comprehensive travel coverage, including primary rental car insurance and an annual hotel credit.

How It Works

Building a high-value travel rewards portfolio with the Chase Sapphire Preferred card follows a simple, step-by-step process:

1 Apply and Qualify: Submit an online application (typically requiring a good-to-excellent credit profile). Once approved, create your online account to manage rewards.

2 Earn the Welcome Bonus: Spend $5,000 on eligible purchases within the first 3 months of account opening to unlock 75,000 Chase Ultimate Rewards® bonus points.

3 Use the Card for Daily and Travel Purchases: Pay for dining, streaming, gas/EV charging, vacation rentals, and travel bookings using your card to automatically trigger elevated point multipliers.

4 Utilize Annual Credits: Book a hotel stay through Chase Travel each account anniversary year to take advantage of the built-in $100 hotel statement credit.

5 Redeem or Transfer Points: Redeem points directly for flights and hotels through Chase Travel or transfer points at a 1:1 ratio to top airline and hotel loyalty partners (like World of Hyatt or United MileagePlus).

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Key Benefits

✓ Generous Welcome Bonus: Earn 75,000 bonus Chase Ultimate Rewards® points after spending $5,000 on purchases in your first 3 months.

✓ 5x Points on Travel via Chase Travel: Earn 5x total points on travel purchases booked directly through the Chase Travel portal.

✓ 3x Points on Dining & Vacation Homes: Earn 3x points on worldwide dining (including takeout and eligible delivery) and vacation rentals booked with top brands like Airbnb and Vrbo.

✓ 3x Points on Gas, EV Charging & Online Groceries: Earn 3x points at gas stations, EV charging spots, top streaming platforms, and online grocery purchases (excluding Walmart, Target, and wholesale clubs).

✓ 1:1 Point Transfer to Travel Partners: Transfer points directly to major domestic and international airline and hotel loyalty programs to unlock premium travel redemptions.

✓ $100 Annual Chase Travel Hotel Credit: Receive up to a $100 statement credit each account anniversary year for hotel stays booked through Chase Travel.

✓ Up to $120 Global Entry, TSA PreCheck®, or NEXUS Credit: Receive reimbursement for application fees every four years to breeze through airport security lines.

✓ Tip: Take advantage of 1:1 point transfers to Chase's loyalty partners (such as World of Hyatt, United MileagePlus, or Air Canada Aeroplan). While redeeming points directly through travel portals gives a solid baseline value, transferring points directly to airline or hotel partner programs often unlocks far higher value per point when booking luxury hotels or international business class flights.

Main Features

✓ Annual Fee: $95 per year, easily offset by using the annual $100 Chase Travel hotel credit and elevated rewards categories.

✓ Zero Foreign Transaction Fees: Pay no additional foreign currency surcharges when using your card internationally or booking with foreign merchants.

✓ Primary Auto Rental Collision Damage Waiver: Decline the car rental company's collision insurance and pay with your card for primary coverage against theft and collision damage up to $60,000.

✓ Trip Cancellation & Delay Protection: Coverage up to $10,000 per person ($20,000 per trip) for non-refundable pre-paid travel expenses if cut short by illness or severe weather, plus up to $500 per traveler for delays over 12 hours.

✓ Emergency Evacuation Coverage: Up to $100,000 in emergency evacuation and transportation coverage for covered injuries or illness occurring 100+ miles from home.

✓ Variable APR: Standard purchase APR ranges from 19.24% to 27.49% variable based on prime benchmark rates and creditworthiness.

⚠ Note: Rates, fees, card features, and welcome offers are subject to change by the issuer based on economic conditions and credit evaluation. Always check Chase's official terms and disclosures page before applying.

Frequently Asked Questions

What is the annual fee for the Chase Sapphire Preferred card?

The Chase Sapphire Preferred® Card has a $95 annual fee.

How does the $100 Chase Travel Hotel Credit work?

Each account anniversary year, cardmembers receive up to a $100 statement credit when booking a hotel stay directly through the Chase Travel portal.

Are there foreign transaction fees on international purchases?

No. You will not pay any foreign transaction fees when making purchases outside the United States with your Sapphire Preferred card.

Can I transfer my points to airline and hotel loyalty programs?

Yes. Ultimate Rewards points transfer at a direct 1:1 ratio to leading partners including World of Hyatt, United MileagePlus, Southwest Rapid Rewards, British Airways, and Marriott Bonvoy.

Does the rental car insurance act as primary or secondary coverage?

The card provides primary auto rental collision damage waiver coverage. If you decline the rental company's coverage and charge the full rental to your card, it covers damage and theft before your personal auto insurance kicks in.

What spending categories earn 3x points?

You earn 3x points on worldwide dining, vacation rentals (like Airbnb and Vrbo), gas and EV charging, online groceries, and select streaming services.

How do I qualify for the TSA PreCheck / Global Entry credit?

Charge the application fee for Global Entry, TSA PreCheck®, or NEXUS to your card to receive a statement credit of up to $120 once every four years.

What credit score range is typically required for approval?

Applicants generally need a good-to-excellent credit score (typically 670 or higher) to qualify for the Chase Sapphire Preferred card.

Ready to Turn Everyday Spending into Unforgettable Journeys?

If you want to turn everyday expenses into discounted flights, hotel upgrades, and world-class travel protections, the Chase Sapphire Preferred® Card offers an ideal combination of high earning potential and premium travel perks.

Apply for Sapphire Preferred