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Those who travel frequently will get the most out of Chase Sapphire Preferred since it’s such a great rewards card for earning points toward travel. Through the Chase Ultimate Rewards program, you can earn double points when you spend on travel and dining and 1 point per dollar on everything else. Additional Chase Sapphire Preferred benefits include a 1:1 point transfer ratio with Chase’s numerous partner hotels and airlines and a high signup bonus. Read more Chase credit cards reviews to learn about other Chase credit cards or submit your own.
Chase Sapphire Preferred’s wide selection of benefits and perks make it worth the $95 annual fee, making it one of the top travel reward cards in the market.
- 1:1 point transfer
- Purchase protection
- High signup bonus
- No intro APR
- Annual fee
Love this card. Easy to transfer airline miles. The customer service is excellent and the bonus alone is worth getting this card.Read full review
You can transfer points to several travel partners for flights, hotels and rental cars. Often it is better to transfer to partners and book directly from them.Read full review
Chase Sapphire Preferred review
The Chase Sapphire Preferred credit card offers some of the most generous travel rewards benefits available. As a welcome bonus, new cardholders earn 60,000 points when they spend $4,000 on new purchases within the first three months of opening an account, which is equal to $750 when redeemed through Chase Ultimate Rewards for travel.
In addition to the attractive sign-up bonus, the Chase Sapphire Preferred bonus categories earn 2 rewards points for every dollar spent on dining and travel expenses and 1 point per dollar spent on all other purchases.
60,000 point bonus
1 point per dollar spent
2X points on travel
How do Chase Sapphire Preferred points work?
Cardholders earn 1 point per dollar on most purchases and double points when they use their card for dining and travel. Points are worth 25% more when redeemed through Chase Ultimate Rewards or transfer at a 1:1 ratio to numerous Chase airline and hotel partners.
- Earning Chase Sapphire Preferred points: Earn 2 points per each dollar spent for travel and dining expenses and 1 point per $1 spent on all other purchases. Travel purchases include virtually every trip-related charge, including airline tickets purchased directly from an airline, hotel or campground accommodations, restaurant charges, department store shopping and more. However, Chase Sapphire Preferred rewards are not earned for in-flight or on-board goods and services, merchants inside airports, services of real estate agents, sightseeing or tourist attractions.
- Chase Sapphire Preferred points redemption: Chase Sapphire Preferred rewards points are worth 25% more when used to booked travel through the Chase Ultimate Rewards travel portal. Chase Sapphire Preferred rewards points transfer at a 1:1 ratio with many leading airline and hotel partners. Popular airline partners include Southwest, JetBlue, United, Virgin Atlantic and British Airways. Popular hotel partners include Hyatt and Marriott. Rewards points can also be exchanged for cash or gift cards, though for a lower value of $0.001 per point.
Chase Sapphire Preferred benefits
Aside from the rewards program, Chase Sapphire Preferred benefits provide assurance on your important purchases and add security protection.
- Chase Sapphire Preferred purchase protection: Purchase protection provides coverage against theft, damage or loss for eligible items bought with your Chase Sapphire Preferred card. For up to 120 days, eligible items will be repaired, replaced or reimbursed up to $500 per claim, up to $50,000 per account. Not all items purchased with a Chase Sapphire Preferred card are eligible, and some terms apply.
- Chase Sapphire Preferred extended warranty protection: Extended warranty protection lengthens the original U.S. manufacturer’s warranty of a product by one additional year. The original warranty needs to have a duration of fewer than three years, and the product must have been purchased with the credit card or reward points earned by the card to be eligible.
- Chase Sapphire Preferred contactless payments: Simply tap your contactless Chase Sapphire Preferred card at the checkout terminal and your payment is processed in seconds. This technology works at restaurants, grocery stores, department stores, coffee shops, pharmacies and other retailers around the world.
Chase Sapphire Preferred travel benefits
Chase Sapphire Preferred is great for earning and redeeming travel rewards, and cardholders enjoy added travel benefits like travel insurance, car rental insurance and priority access.
- Chase Sapphire Preferred travel insurance: This travel insurance covers trip cancellations, delays and interruptions, baggage delays or loss and car rental collision damage. To qualify, the trip, or a portion of it, needs to be paid for with your Chase Sapphire Preferred card or Chase Ultimate Rewards. Trip cancellations and interruption can be covered up to a maximum of $10,000, and trip delays and baggage delays are covered up to a maximum of $500.
- Chase Sapphire Preferred rental car insurance: If you use your Chase Sapphire Preferred card to rent a car and it is damaged in a collision or stolen, you can get reimbursement for the damage for up to the actual value of the vehicle. Just be sure not to purchase the rental company’s collision damage waiver.
- Chase Sapphire Preferred priority access: Most Chase cards come with a priority privilege to make boarding faster at the airport, which is normally reserved for first and business class passengers. You don’t need to go through the general boarding process — simply go to the priority lane to board at any time.
Chase Sapphire Preferred fees
Certain Chase Sapphire Preferred card services come with additional fees. More rates, fees and terms are described in the Chase Sapphire Preferred Cardmember Agreement.
|Foreign transaction fee||0%|
|Cash advance fee||10% ($5 minimum)|
|Late fee||Up to $38|
|Authorized user fee||$0|
Chase Sapphire Preferred FAQ
- Is the Chase Sapphire Preferred card metal?
- The Chase Sapphire Preferred card is made of metal and makes quite an impression when you drop it at counters. Plastic versions are also available — some cardholders have complained that the metal card can get stuck in some readers.
- Do Chase Sapphire Preferred Points expire?
- Many other travel rewards expire within 12 to 36 months, but Chase Ultimate Rewards points earned with this card never expire as long as the account is open. If you cancel Chase Sapphire Preferred, don’t pay your balance or bill, or if Chase suspects you are abusing or misusing the points program, you could lose the points you’ve earned.
- What credit score do I need for Chase Sapphire Preferred?
- To get a Chase Sapphire Preferred card, you need an excellent credit score. An excellent credit score is considered 750 or higher, but applicants could be approved with a credit score closer to 700. Chase also inspects your Equifax credit report for any unfavorable marks if you’ve opened more than five credit card accounts within the last 24 months or if your credit utilization exceeded 30% of your available credit limit.
- What is the Chase Sapphire Preferred credit limit?
- The average Chase Sapphire Preferred credit limit is $10,000 but can range from $5,000 to $20,000. To determine your credit limit, Chase considers your credit history, payment history and other factors, including income. Those with higher incomes are more likely to receive a higher credit limit.
Is Chase Sapphire Preferred worth it?
The Chase Sapphire Preferred card is an excellent choice if you have a solid credit history and will spend enough to maximize rewards — all the perks and benefits that come with this card are definitely worth the annual fee. Plus, the sign-up bonus is generous, especially when redeemed through the Chase Ultimate Rewards program.
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You’re better off booking directly with the airline. They refuse to work with you when your flight is cancelled due to COVID-19. The airline was offering a deal and Chase said it’s not part of the policy so they could do not it.
Do not use Chase travel to book your flights, they are a travel Agency that do not fight for your rights and protect the customer. Due to the Coronavirus the airlines are working with the customers to waive fees and allow rebooking. Chase Travel are not waiving any fees to rebook, they are not taking the consideration that the airlines are taking. The point is it’s better to book directly with the airlines and avoid dealing with a company that do not care about the customers in difficult times. I have been calling for hours and left on hold and be hanged. Sent emails and messages even spoke with a person that promised to call me back and resolved the issue and never did. Please avoid a headache and do not do business with them.
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I used travel points to book my trip on American Airlines. I selected the upgrade feature to move from "Basic Economy" to "Main cabin Economy." This was a higher fee and allows full mileage with the airline and seat selection. Once booked and points plus money paid, American Airlines only has me down for "Basic Economy" per my email acknowledgement from them. When I called to straighten this out I spent over an hour on the phone getting the run around from Chase where they conveniently don't see any record of me making this upgrade. My receipt after booking also doesn't show that I selected an upgrade, just the cost and flight information. No distinction on the taxes and "fees". So if you book airfare with them using points, expect to get ripped off. I'm out a lot of money paying for the upgraded economy. They will now spend the next 3 days researching my case and get back to me. I'll come back and edit this if they do make it right.
After 10 years with my Chase Sapphire Preferred card, I finally had to make a claim for a television I purchased with that card under Chase's warranty "protection." The third party company that handles these claims for Chase resorts to every cheap trick to keep from processing and paying your claim. First they denied receiving my claim, and when they were called out on that dishonesty, they demanded I produce the original receipt, even though I provided a duplicate receipt from Best Buy. When I escalated that issue, they dropped that demand, and then refused to accept the warranty info that I forwarded to them from the TV manufacturer, requiring instead that I provide them with the 140 page user manual.
They are now insisting in more documentation, and when I asked a supervisor why I wasn't told at the beginning why the info I provided was insufficient, I was met with hostility and derision. It's clear that their tactics are designed to force you to give up on your claim,. When I spoke with Chase about the behavior of their warranty adjusters, I was told there was nothing they could do. The credit card is great - just don't be fooled into thinking you actually have warranty protection.
This card claims to be a travel card that has travel insurance that will allow for reimbursement under multiple different scenarios. Unfortunately they do not honor their own terms and conditions. They did not honor them for our scenario, which clearly falls within the terms and conditions and I would not expect them to honor it for yours. Additionally, their customer service is horrendous. I would highly recommend against getting a Chase credit card of any kind.
My wife, I and are three young children had a trip to Barcelona which we had to cancel due the violent riots several months ago which happened before and after the weekend we were supposed to be there. Terrorism is clearly called out in the credit card terms and conditions. They have done nothing but give us the run around for over three months now asking again and again for details and more details and then again for the same receipts that where already provided, then rejecting the claim then opening it and then again asking for more details. Ultimately all in a effort to not have to reimburse us. The customer service was horrible. This card is not worth paying the annual fee. I expected a lot more from this company. Very frustrating and disappointing.
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In my experience, adding an infant to travel should have been a relatively simple process. Instead, I was faced with 8+ hours (so far) of being told back and forth between the airline and Chase travel that the other should be adding my son onto the ticket. Each time I spoke with someone they had different information. They cannot help, much less provide the customer service (or anything else) to make this up. I can't say ENOUGH that I will never use them for international travel EVER again. Perhaps not travel at all. COMPLETE NIGHTMARE!!
My husband and I booked international flights through Chase Travel, which I will not be doing again. One leg of the flight got cancelled, so we had to work with Chase Travel to get on another flight. I was told that because Japan Air cancelled the flight, they will reimburse us for another hotel night because the flight wouldn't be leaving until the following morning. When I called Japan Air, they told me that they do not reimburse people for a hotel. I then called Chase back, and after about 3 hours on the phone, they said they would reimburse me for the night at a hotel. I was advised to call back again with my hotel information. I called the 4th time and had to explain my story. The woman told me that they did not have any record of a supervisor approving reimbursement for a night in a hotel. This woman then submitted a complaint to upper management, which was all she could do.
I know it is absurd that I spent all that time on the phone for a measly $120, but I was told by 2 different reps that Chase would cover the cost. I also understand that if I have the means to pay for a nice international vacation, one should not complain about travel mishaps, but again, I was told that I would be reimbursed for my extended hotel stay. Also, for an exorbitantly high annual fee, I expected that the customer service would be more efficient, but I did not experience that firsthand. I am currently awaiting a call/email from a supervisor, so hopefully it will get resolved.
This started with a credit card charge being questioned for fraud. I received a call on November 5th, 2019 at 1631 PM EST asking about a charge on the card that could be potential fraud. I called the Chase fraud department the following morning, November 6th, 2019 at 1007 AM EST and spent 20 minutes on the line and got the charge approved and cleared.
A few hours later I go to log in to my Chase online account, that is locked. I call again, November 6th, 2019 at 1430 PM EST to have that unlocked and spend 40 minutes on the phone. I go down to the bank to pull money out of the ATM using my debit card. My debit card is locked. I go into the bank location, November 6th, 2019 at approx 1730 PM EST and ask them to please unlock my card. The Officer/Relationship Banker, at the bank location calls someone internally at Chase. Has my bank debit card unlocked, I ask him if there are going to be any further issues regarding my accounts. He asks the person on the phone. They state no there should be no further issues. Neglecting to mention to me that my Chase Sapphire Reserve card being locked for up to 10 business days.
So I go out to dinner and go to pay using my Chase Sapphire Reserve card. It is declined. I call the number, November 6th, 2019 at 2049 PM EST, on the back of the card. The lady explains to me that my account is locked for fraud investigation, but won't tell me anymore. I pay for my dinner with another card and call the number I had been given earlier for the fraud call I made first thing in the morning. This call is made November 6th, 2019 at 2131 PM EST. The lady that answers the phone gives me more details and says the account will be locked for the next 10 business days and that there is nothing she can do about it and I need to contact the fraud investigation department directly, but that they are closed until the morning.
This morning, November 7th, 2019 at 0910 AM EST, I reach out to the number for the fraud investigation unit, which turns out to actually be the ACCOUNT REVIEW DEPARTMENT. They tell me my account is under review for the next 10 CALENDAR DAYS. That this is all in the card member agreement that these accounts will go under review and that ALL accounts go under review.
Well guess what, the one thing it says about this I copied and pasted below. Not anywhere in the card member agreement from their own website does it say this card will go under a review and be locked for 10 calendar days. I travel for work internationally and that is the reason I got this card. I don't normally carry multiple cards with me when I am in another country. If I had been in another country when this happened I would have been screwed. No way to pay for travel, lodging, food, or anything I else I may have needed. The best part is, ALL OF MY TRAVEL EXPENSES ARE PAID FOR BY MY COMPANY! It is guaranteed that EVERY TIME I travel it is going to be paid for in full.
You have lost a customer for life Chase. I will be closing all of my accounts with you, including my Checking, Savings, and all of my Chase credit cards (Which by the way before yesterday, HAVE NEVER BEEN UNDER REVIEW, NOT ONCE EVER). CHASE CARD MEMBER AGREEMENT COL00083 - https://www.chase.com/content/feed/public/creditcards/cma/Chase/COL00083.pdf. "We will assign a credit access line to your account, and post it on your monthly billing statement. We may cancel, change or restrict your credit availability at any time. Each transaction is considered for approval on an individual basis, including those above the credit access line. We may not approve all transactions."
Part of my flight was cancelled and I had to pay out of pocket to reach the destination. After contacting Chase Travel agents for 3 months straight, I still have not received a refund. Stay away from booking through Chase.
I was trying to pay for a computer at the Apple store yesterday (11/1/2019). My charge been denied, I called the customer service, they keep give me all kind of problem, keep transfer to security department, keep asked me read out my card number in the Apple store where everyone can heard my card number.. After more than 30 minutes, I finally gave up. I use my American Express to purchased my new MacBook Pro. I called again this morning, the customer service still absolute horrible. Chase Sapphire suppose a decent card, besides their customer service just not up the the standard!
Chase Sapphire Preferred Credit Card Company Information
- Company Name:
- Chase Sapphire Preferred