Interest Rates

  • Introductory Rate: N/A
  • APR (Purchases): 15.99% Variable
  • APR (Cash Advances): See Terms


  • Annual Fee: Introductory Annual Fee of $0 the first year, then $95
  • Grace Period: See Terms
  • Late Payment Fee: See Terms
  • Over-The-Limit Fee: See Terms
  • Cash Advance Fee: See Terms
  • Balance Transfer Fee: See Terms

Reward Program

  • Points per Dollar: Earn 1 point per eligible dollar spent on the card
  • Additional Points: Earn 2 points per eligible dollar spent on dining at restaurants and travel
  • Point Details: N/A
  • Expiration: See Terms
  • Yearly Limit: See Terms

The Chase Sapphire Preferred® is a fantastic all around, daily use credit card with great benefits and perks, a strong rewards program, and is great for travel.

Key Benefits Of The Chase Sapphire Preferred®

Bonus Offer: Earn 40,000 bonus points when you spend $3,000 on purchases within the first 3 months of account opening. Plus, earn 5,000 more bonus points after you add the first authorized user to your account and they make a purchase within the first 3 months of account opening.

24/7 Customer Service: Talk to a live person when you call the number on the back of your card with no annoying menu prompts. You can call anytime!

Main Advantages

2x Points: Earn 2x points on travel and dining at restaurants, plus earn 1 point per dollar spent on all other purchases.

No Foreign Transaction Fees: Use your card abroad and never get charged a foreign transaction fee! Plus take advantage of chip technology to use your card overseas.

Point Transfers:  Take advantage of 1:1 point transfers to participating frequent travel programs at full value! That means 1,000 Ultimate Rewards points on your Chase Sapphire Preferred® card equals 1,000 partner miles/points.

Main Disadvantages

Annual Fee: There is a $95 annual fee after the first year.

No Intro APR: This card does not come with an introductory APR offer.

Editor's Final Word

Overall, if you use your card often for dining or travel, this is a great option for you to take advantage of the bonus point offers and travel benefits.

To apply for the Chase Sapphire Preferred®, click here to be redirected to the issuer's website.

Apply Now