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Chase Sapphire Preferred Credit Card

Chase Sapphire Preferred Credit Card Reviews

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About Chase Sapphire Preferred Credit Card

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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.

Pros & Cons

Pros
  • 1:1 point transfer
  • Purchase protection
  • High signup bonus
Cons
  • No intro APR
  • Annual fee

Featured Reviews

Verified
Round Rock, TX

Chase offers some great benefits, the Sapphire preferred card is great for international users with no conversion fees. ... Some really good options to suit your needs. Customer c...

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Verified
Lancaster, Kentucky

I have the Chase Sapphire Preferred. Great card with great sign-on bonus. The sapphire preferred's point go to the ultimate rewards program is compatible with many other partners ...

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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.

chase sapphire preferredRecommended Credit:
Excellent
Chase Sapphire Preferred
  • 60,000 bonus points if you spend $4,000 within 3 months
  • 2x points on travel and dining
  • $95 annual fee
Learn more

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.

FeeAmount
Annual fee$95
Foreign transaction fee0%
Cash advance fee10% ($5 minimum)
Late feeUp 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.

Chase Sapphire Preferred Credit Card Reviews

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    How do I know I can trust these reviews about Chase Sapphire Preferred?
    • 4,466,033 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 10
    Customer Service

    Reviewed June 20, 2024

    I’ve been on the phone for over an hour trying to make a hotel reservation. They don’t even deserve 1 star. I was transferred six times. Nothing offered in return and I had to make the reservation through the hotel website. They insist the reservation be made through Chase Travel only so they don’t have to honor the travel benefits.

    Reviewed June 19, 2024

    Chase travel rewards and the Sapphire card are no help with travel and do not save consumers any money. I do not recommend using this company to book. They don’t uphold their own policies. I prefer AmEx for rewards and travel.

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      Reviewed May 29, 2024

      If I could give them 0 stars I would. Absolutely terrible platform to book any travel through. You’ll guaranteed to waste a minimum of an hour and lose money. Used to have Capital One and I’m regretting I switched. Planning on cancelling the card before my renewal is up.

      Sales & Marketing

      Reviewed May 5, 2024

      Sapphire Preferred uses a third party for their travel insurance and other coverage. It is difficult to find all the rules and they denied three claims I have spent hours to submit. It is not worth the time or the credits they provide. It is a scam and Chase should not support it.

      Reviewed May 2, 2024

      Not worth booking travel through them. They won’t provide any documentation on cancellations and won’t allow to use a credit. If you are going to put stipulations on credit use there is no reason it shouldn’t be communicated verbally and in writing.

      Profile pic of the author.
      Sales & Marketing

      Reviewed April 3, 2024

      I have this card & only use it for travel. The chase travel website advertised a particular flight with certain options and refuses to honor that by claiming disclosures absolves them. It's a wasted "perk" since nothing is guaranteed. Don't bother keeping this card. There are better ones out there.

      Customer Service

      Reviewed Jan. 10, 2024

      Applied for a credit card only to be told my birthday couldn't be verified, after submitting the necessary documents to verify it, I received a letter in the mail to a past address from Chase claiming identity theft. I called and confirmed I was the one to apply and asked what wasn't acceptable about the credentials I submitted and they told me "I don't know" and asked me to submit different ones. So I did.

      I received no confirmation that they received the forms but I didn't think anything of it since they didn't send confirmation after the first ones I submitted either. I waited about 2 weeks before I called to follow up and was told that the application had been archived 2 days before because they STILL couldn't verify my birthday after I provided them with multiple forms. Once again I was told that they didn't know why it didn't work and they said I would just have to reapply but I have no interest in wasting my time again. What kind of credit card company can't even verify a birthday? And then can't even provide a reason why?

      Customer ServicePrice

      Reviewed Nov. 9, 2023

      Great card if you don't want to book travel through Chase. Needed to make a change in my flight and tried to book it myself but Chase requires you to rebook flights through a credit rebooking link that doesn't have the same availability as their normal travel booking system. Called customer services for assistance to get the flight I needed and was first told to wait 24 hours to rebook a flight. Then after "double checking", the flight I needed was available for an additional $4000 price tag. Yet, had I paid with my credit card, I saw that it was available for the same price as my original ticket. SERIOUSLY A JOKE! This happened to me during COVID in 2020 but over 3 years later things have not change. If you want a travel card - go find it somewhere else. I'll be moving on when my renewal comes up.

      Customer ServiceStaff

      Reviewed Aug. 24, 2023

      There was fraud on my account. I called and spoke with two people. They were rude, spoke over me, and didn't take any time to listen to what happened. They seemed to be in a big hurry, and kept focusing on a form they wanted to complete. They lost my call, didn't call me back, and I had to call back and start all over with a different person. Overall, it was an aggressive and unpleasant experience.

      Customer Service

      Reviewed Aug. 24, 2023

      Booked trip to Italy through Chase as it was the only way to use points. Return trip they accidentally CANCELLED 6 of our tickets. We confirmed flight with them that morning, arrived in Venice airport, and were told we were not booked on that flight. After hours on phone with both United and Chase from the airport, Chase admitted it was their error. We had to stay in a terrible hotel near the Venice airport, leave the next day. There were 7 of us so the hotel was almost 900 euros, transport back and forth, additional meals. After dozens of calls Chase travel has done NOTHING to compensate us for this. I am cancelling all of my Chase accounts (many plus credit cards) if they do not make this right. This has been the biggest travel hassle. DO NOT USE THIS CARD. DO NOT BOOK TRAVEL THROUGH CHASE.

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      Chase Sapphire Preferred Credit Card Company Information

      Company Name:
      Chase Sapphire Preferred
      Website:
      creditcards.chase.com