Chase Sapphire Preferred® Card

Chase Sapphire Preferred Learn How to Apply
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Current Offer


bonus points

after you spend $4,000 on purchases in the first 3 months of account opening.

Annual Fee: $95

Terms Apply.

No Foreign Transaction Fees

How to Earn Rewards


5X points on travel booked through the Chase Travel℠


3X points on restaurants, select streaming services, and online groceries (excluding Target, Walmart, and wholesale clubs). Note this also excludes in-store grocery purchases.


2X Ultimate Rewards points on all other travel purchases outside of the Chase Travel℠


1 point per dollar spent on all other purchases.


10% Ultimate Rewards point bonus annually based on your card spending, earned after you renew and pay your annual fee


Primary rental car insurance when you pay with the card

No foreign transaction fees

Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.

Card is made of metal

Our Take

The Chase Sapphire Preferred® Card stays at #1 overall ranking because of its incredible signup bonus, reasonable annual fee, and the amazing value of the points it earns.

Chase Ultimate Rewards points are widely considered to be among the best points in the industry thanks to their ability to be transferred to multiple airline and hotel partners. This gives you a ton of options for redeeming your points no matter where you want to travel.

You can also redeem Ultimate Rewards to book travel via the Chase Travel℠ at a value of 1.25 cents per point.

Transferring them to Chase’s many transfer partners can provide the highest redemption values if you know where to look.

You can check out our recent review of the Chase Sapphire Preferred here.

Be sure to also read our article on why this should be the first card you start with for more information on all things CSP. We also recently published an article on how the 10xT Staff would use the bonus points from Chase Sapphire Preferred.

Note that Chase has restrictions on the Chase Sapphire cards that limit your ability to get multiple versions of them. The tl;dr is that you can only get one Sapphire bonus (from either card) every 48 months, and also are not eligible to get a Sapphire card if you currently hold a Sapphire Preferred or Chase Sapphire Reserve® [More details on that here].