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Chase Sapphire Preferred® Credit Card

Chase Sapphire Preferred® Credit Card was ranked on Money.com as one of this year's top credit cards. Read more from nationally recognized credit card expert, Jason Steele or see if you qualify by clicking "Apply Now" below.
Best for
savvy travelers who love miles
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Chase Sapphire Preferred® Credit Card

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Intro Bonus
100,000 bonus points after you spend $4,000 on purchases in the first 3 months.
Annual Fee
$95
Credit Level
very good to excellent
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From
The Expert
Jason Steele
Why Apply?
Earn 100,000 bonus points and receive 2x points on travel and dining purchases. Then you can redeem your points for 25% more value towards everyday purchases or travel.
I Think You'll Love
Earning 2x points on travel, dining and grocery store purchases.
Pros
  • 100,000 bonus points +$50 grocery store statement credit after you spend $4,000 on purchases in the first 3 months from account opening. That's $1250 toward travel when you redeem through Chase Ultimate Rewards®. 
  • Receive 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • Earn 2x on travel, dining, and grocery store purchases
  • Rewards can be transferred to airline miles or hotel points.
Cons
  • $95 annual fee.
  • No introductory financing and a higher APR than similar cards that don’t offer rewards. 
ABOUT THIS CARD

This groundbreaking travel rewards credit card is a great place to begin when you want to start earning rewards. This card offers you 2X for each dollar spent on all travel, dining and grocery store expenses, and 1X point per dollar spent on other purchases. You can even earn 100,000 bonus points -worth $1,250 towards travel when redeemed through Chase Ultimate Rewards- when you use your card to spend $4,000 within three months of account opening. 

When it comes time to redeem your rewards points, you'll get 25% more value when you redeem for travel through Chase Ultimate Rewards. You can also transfer your rewards to participating frequent travel programs in 1,000 point increments. When you’re able to earn a bonus worth $1,250 and receive 25% more value for your points, you’ll find Chase Sapphire Preferred to be well worth its $95 annual fee. 

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4 things informed consumers need to know:
  1. Get enough credit cards to keep the balance on each one below 30% of its limit.
  2. Pay on time, use cards sparingly and keep your accounts open.
  3. Don’t apply for too many cards at once. Do 1 today, again in 6 months, etc.
  4. More cards mean a wider variety of points and benefits.
Jason steele
The Expert
Jason Steele

Analysis is brought to you by nationally recognized credit card expert Jason Steele, who has appeared in publications such as:

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Details and conditions for each credit card offer are available on the online credit card application page. Our team makes reasonable efforts to ensure the information on our page is accurate, but this information is presented without warranty and some of the offers on this page may no longer be available through our site. You can click on the “Learn More” or “Apply Now” button for each credit card offer to continue to the issuer’s web site and review the terms and conditions on their site. Offers, details, and other information is subject to change, and the terms displayed may not be available to all consumers. ConsumersAdvocate has partnered with CardRatings for some of our credit card offerings. ConsumersAdvocate and CardRatings may receive a commission from card issuers.

Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.