How to apply for your Chase Sapphire Preferred Card

The Chase Sapphire Preferred Card is positioned as one of the most versatile travel rewards credit cards in the United States, catering to those seeking substantial benefits not just on travel but in day-to-day life. With a robust reputation for delivering high-value returns on spending and a suite of travel protections, this card has earned consistent acclaim from both frequent travelers and individuals who value everyday rewards. Its reputation is built on reliability, transparency, and enduring customer trust, all of which are hallmarks of both the product and the institution behind it—Chase Bank.

The Sapphire Preferred is built to complement a wide variety of lifestyles, offering competitive earning on dining, select streaming, online groceries, and, of course, travel. Its well-structured rewards program and customer-first approach make it an enticing choice for those wishing to earn points quickly and redeem them flexibly. With the backing of one of America’s oldest and largest banks, Chase Sapphire Preferred stands out as an accessible yet premium product—bridging the gap between top-tier rewards and everyday usability.

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Main Benefits

Some of the card’s main benefits include a lucrative welcome bonus, accelerated points on key spending categories, and a user-friendly rewards system. It stands out for its suite of travel and purchase protections, enriching the cardholder’s experience with embedded security and peace of mind. Additional perks such as annual hotel statement credits, no foreign transaction fees, and exclusive transfer options keep this card at the forefront for those who want their spending to go further—both at home and abroad.

Detailed List of Card Benefits

• Welcome Offer: 100,000 bonus points when you make $5,000 in purchases within the first 3 months of opening your account.
• Point Multipliers: Earn 5x the points on travel booked via Chase Travel, 3x on dining (including eligible delivery services), 3x on select streaming services, 3x on online grocery purchases (excluding Walmart, Target and wholesale clubs), and 2x points on all other travel.
• Annual Hotel Credit: A recurring $50 annual statement credit for hotel bookings through Chase’s own travel portal.
• Travel Protection: Coverage includes trip cancellation/interruption insurance, primary auto rental collision damage waiver, baggage delay insurance, trip delay reimbursement, and travel accident insurance.
• Purchase Security: Includes purchase protection and extended warranty on eligible purchases,.
• No Foreign Transaction Fees: Spend abroad without additional charges, enhancing global usability.
• Anniversary Bonus: Receive a 10% points bonus based on your total annual spending every account anniversary.
• Flexible Redemption: Points can be converted for statement credits, travel (with 25% bonus value), gift cards, or transferred 1:1 to major airline and hotel loyalty partners such as United, Southwest, Marriott Bonvoy, and World of Hyatt.

Prerequisites & Application Requirements

Applying for the Chase Sapphire Preferred Card requires meeting several baseline criteria commonly associated with mid- to premium-tier rewards cards. Applicants should:

• Have a good to excellent credit score.
• Be at least 18 years old (the minimum age may be higher in certain states).
• Provide proof of U.S. permanent residency or citizenship, including a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
• Present a steady income that demonstrates capacity to manage credit responsibly.

About Chase: A Trusted Financial Institution

Chase, the consumer and commercial banking division of JPMorgan Chase & Co., has roots stretching back over 200 years—reflecting stability, trust, and ongoing innovation. With millions of households served, Chase stands as a pillar of the American financial landscape. Its broad services span credit cards, lending, investing, and digital banking.

Chase is well-known for its mobile app, investment in security, and commitment to financial literacy. As one of the earliest banks to introduce contactless payment tech and robust digital banking platforms, Chase makes financial management both accessible and secure. The combination of longstanding tradition and technological leadership underpins the reliability and flexibility you experience as a Chase customer.

Who Is This Card For?

The Sapphire Preferred is targeted at consumers who desire value and flexibility from a credit card—especially if they travel, dine out, or subscribe to streaming services. It is best for individuals with at least good credit, who are planning to maximize rewards through spending aligned with the card’s bonus categories. Travelers, foodies, digital nomads, and even families with strong online grocery habits will find notable benefits.

This card is less suited for those who do not travel or spend regularly in the highlighted categories. The annual fee and points structure require strategic use to unlock full value. Ultimately, if you aim to redeem points for travel, prefer premium service, and seek both security and rewards, the Sapphire Preferred could fit your lifestyle.

Initial Credit Limit

The initial credit limit on the Chase Sapphire Preferred varies based on creditworthiness, income, and debt-to-income ratio. Typical starting limits range from $5,000, reflecting the card’s premium positioning, though some applicants may receive higher amounts. This helps ensure that approved users can manage significant travel or large purchases while keeping credit utilization healthy.

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How to Apply: Step-by-Step Guide

• Visit the official application page: Apply for Chase Sapphire Preferred.
• Fill in personal information, including legal name, address, SSN/ITIN, and income.
• Agree to a credit check, which will result in a hard inquiry on your credit report.
• Review terms and submit your application via the secure online portal.
• If approved, you will receive your card by mail within a few days with instructions on activation and first steps.

Additional support is available if you prefer to apply via a local Chase branch.

Pros and Cons: A Balanced Perspective

Pros:

• Highly flexible points program with excellent travel value.
• Broad protection features for travel, purchases, and account security.
• Strong welcome bonus and ongoing category multipliers.
• Annual hotel statement credit and anniversary bonus elevate long-term value.
• No foreign transaction fees, supporting global use.

Cons:

• $95 annual fee—even though not excessive—requires regular card use in bonus categories to offset.
• It lacks features such as airport lounge access and elite-level benefits.
• Bonus categories may be too narrow for users with primarily non-travel or non-dining expenses.
• Requires good to excellent credit for approval; not suitable for new-to-credit consumers.
• Has APR and penalties if balances are not paid off in full monthly.

How to Activate the Card

After you receive your Sapphire Preferred card by mail:

• Call the number provided on the sticker affixed to your card, or
• Log into your Chase online account or mobile app and follow the activation prompts.

Activation is generally instantaneous, providing immediate access to your credit line. Chase customer support is available to resolve any issues during activation.

Fees and Charges: What to Know

The Chase Sapphire Preferred Card has an annual fee of $95. Interest rates (APR) for purchases and balance transfers typically range from 19.99% to 28.24% variable based on creditworthiness (confirm exact rates during application, as they are subject to change). Balance transfer and cash advance fees apply (usually 5% or $5 minimum for transfers, 5% or $10 minimum for cash advances). Late and return payment fees are both up to $40.

No foreign transaction fees enhance international usability, though carrying a balance or incurring advances will increase total costs. Always read the official disclosure documents for the most recent and specific information on rates and fees.

Customer Service Contacts

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• Customer Support Phone: 1-800-432-3117
• Online Chat: Available for logged-in customers via Chase site or mobile app