Chase Sapphire Preferred® Credit Card

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Chase Sapphire Preferred Credit Card

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  • 60,000 bonus point intro offer
  • Double points on dining and traveling
  • Extra value when rewards are redeemed for travel purposes

  • Zero foreign transaction fees
  • Travel protection benefits
  • Double points on dining and traveling

Chase Sapphire Preferred® Credit Card Summary

The Chase Sapphire Preferred Card is primarily a credit card focused on traveling. The card itself features a metal design and comes with a number of benefits that are tailored toward professionals and the average person who travel domestically, as well as those who might find themselves in foreign destinations frequently.

The card offers a number of travel protection benefits and comes with bonus points when used for travel-related purchases, such as booking a hotel or a flight ticket. There is an annual fee, which needs to be taken into account with this type of product. For frequent spenders, however, earning more than the annual fee in a 12-month period should not be a significant problem.

  • 60,000 bonus point intro offer
  • Double points on dining and traveling
  • Extra value when rewards are redeemed for travel purposes

  • $95 annual fee
  • No bonus points on regular purchases
  • High credit score requirements to qualify

Best Features

The welcome bonus that the cardholder gets is one of the most generous in terms of travel cards. If the cardholder spends a minimum of $4,000 on purchase transactions within the first three months after they have been provided the credit card, then a total of 60,000 bonus points are awarded to their rewards account. This can be redeemed for $750 in travel expenses.

The reward system is also linked to Chase Ultimate Rewards, allowing earned points to be redeemed for cash and other items as well. A higher value can be redeemed for the points when exchanged for flight tickets, car rentals, cruises, as well as to pay for hotels.

The Chase Sapphire Preferred Card does not charge any foreign transactions fees. This makes the card great for people who travel to foreign destinations frequently, as it will help to keep their costs on the lower end.

While not a benefit directly related to what the card offers, another fact that a lot of people do seem to like about the Chase Sapphire Preferred Card is the fact that it comes with a metal design. The metal design is unique, as the majority of credit cards tend to be plastic.


The fact that the Chase Sapphire Preferred Card comes with an annual fee is likely one of the biggest drawbacks for many people. If the cardholder does not ensure they build up an adequate amount of reward points, they would not be able to earn back the annual fee of $95 that is charged once a year.

The variable interest rate can vary from 18.24% up to 25.24% at any time. This makes it difficult for the cardholder to know exactly how much interest they will be paying on a transaction they plan to make. Thus, when budgeting ahead for potential costs, the variable interest rate can make things difficult.

There is also no introductory offer where the cardholder pays no APR for a certain period after they receive the card. This is something that is often sought after by people looking to apply for a new credit card.

Overall Summary

The approval for the Chase Sapphire Preferred Card requires a relatively healthy credit score. Upon approval, the customer gets a chance to earn up to $750 worth in reward points as a bonus. Points are earned on all purchases made, and the card does not come with a foreign transaction fee, but there is an annual fee that the customer needs to pay.

Who this card is best for

The Chase Sapphire Preferred Card is definitely aimed at people who travel – whether that is domestically or to foreign destinations. The cardholder can enjoy zero added fees for foreign transactions, allowing them to use the card in a country outside of the U.S. without having to pay an extra fee. The card is also a great option for those who want something unique, due to the metal design.


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