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The Chase Sapphire Preferred® Card is one of the most recognized travel rewards credit cards in the U.S. It earns 2x points on travel and dining purchases, plus 1x on all other spending. What sets it apart is access to Chase Ultimate Rewards®, which allows cardholders to redeem points for travel at increased value or transfer them to airline and hotel partners.
The Sapphire Preferred® is designed for people who want flexibility in travel rewards. It combines competitive earning rates with a strong redemption system, making points more valuable than standard cashback. For travelers who enjoy both dining out and international trips, this card provides lasting benefits.
What Is The Chase Sapphire Preferred® Card?
This is a travel rewards card issued by Chase Bank. It earns 2x points on travel and dining and 1x on all other purchases. Points are stored in the Chase Ultimate Rewards® portal, where they can be redeemed for travel, cash back, gift cards, or transferred to partners.
When redeemed for travel through Chase Ultimate Rewards®, points are worth 25% more. For example, 10,000 points equal $125 in travel value. Transfers to airlines and hotels can unlock even greater redemption rates.
EARN POINTS ON TRAVEL AND DININGMain Benefits
- 🍽️ 2x points on dining worldwide
- ✈️ 2x points on travel purchases
- 💳 1x points on all other spending
- 🎁 Generous sign-up bonus for new cardholders
- 🌍 Transfer points to 10+ airline and hotel partners
- 💼 Strong travel protections like trip cancellation and rental car insurance
- 💵 Points worth 25% more when redeemed through Chase Ultimate Rewards®
Who Can Apply
The Sapphire Preferred® targets U.S. residents with good to excellent credit. Chase evaluates credit history, income, and existing accounts. Applicants should be aware of the “5/24 rule,” meaning Chase often denies applicants who have opened 5 or more new credit accounts in the past 24 months.
Fees And Rates
While it provides strong benefits, it does have an annual fee. Key costs include:
EARN POINTS ON TRAVEL AND DINING- 💰 Annual fee
- 💸 Variable APR based on credit
- 🌎 No foreign transaction fees
- 💵 Balance transfer and cash advance fees
KNOW THE FEES BEFORE APPLYING
How Points Work
Points are earned at 2x for travel and dining and 1x for everything else. Redemption through the Chase portal gives a 25% boost, while transferring to partners like United, Southwest, Hyatt, or Marriott can yield even higher value.
Why It Stands Out
Unlike flat cashback cards, the Sapphire Preferred® offers flexibility. It’s best for travelers who want to use points for flights, hotels, or other experiences. Its protections, including rental car coverage and trip insurance, add extra peace of mind for frequent travelers.
EARN POINTS ON TRAVEL AND DININGFAQ – Frequently Asked Questions
1. Does the Chase Sapphire Preferred® have an annual fee?
Yes, it charges an annual fee.
2. What are the bonus categories?
2x on dining and travel, 1x on all other purchases.
3. How much are points worth?
25% more when redeemed through Chase Ultimate Rewards®.
4. Can I transfer points to airlines?
Yes, to multiple airline and hotel partners.
5. Does it have a welcome bonus?
Yes, Chase offers generous sign-up bonuses.
6. Do points expire?
No, as long as the account is open.
7. Does it charge foreign transaction fees?
No, it does not.
8. What credit score is recommended?
Good to excellent credit.
9. Does it include travel protections?
Yes, such as trip cancellation and rental car coverage.
10. Is it affected by the Chase 5/24 rule?
Yes, approvals may be denied if you’ve opened 5+ accounts in 24 months.
Conclusion
The Chase Sapphire Preferred® Card is one of the best mid-tier travel cards available. Its 2x earnings on dining and travel combined with flexible redemptions through Ultimate Rewards® make it highly valuable.
Even with an annual fee, the benefits easily outweigh the cost for frequent travelers. The 25% redemption boost and ability to transfer to travel partners give users the chance to maximize point value far beyond standard cashback.
For consumers who want strong travel rewards without paying the premium fees of luxury cards, the Sapphire Preferred® is an excellent choice. It balances affordability, flexibility, and protections, making it one of the most well-rounded cards on the market.