Chase Sapphire Preferred Review 2024: My Take on Pros and Cons

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Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Chase Sapphire Preferred Review 2024: My Take on Pros and Cons","alternativeHeadline":"Chase Sapphire Preferred Review: The No. 1 Travel Rewards Credit Card I Recommend to Friends and Family","image":{"@type":"ImageObject","url":"https://i.insider.com/6716be929b3250dbbce902f1?width=1185&format=jpeg","width":1185,"height":889,"caption":"The Chase Sapphire Preferred offers primary rental car coverage — an elite benefit usually found on premium credit cards."},"name":"Chase Sapphire Preferred Review: The No. 1 Travel Rewards Credit Card I Recommend to Friends and Family","datePublished":"2024-11-08T16:01:15Z","dateModified":"2025-02-12T17:44:39Z","description":"My take on the Chase Sapphire Preferred: The sign-up bonus, benefits, and fees you should know about when considering this travel rewards credit card.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex®. The details for these products have not been reviewed or provided by the issuer.As Business Insider's correspondent covering all things credit cards, I'm often a resource for friends and family members looking to get a new card.Many people focus on credit card rewards above all else, but I primarily recommend the Chase Sapphire Preferred® Card for its fantastic benefits, including travel reimbursements for flight cancellations and lost bags, primary rental car insurance coverage, a $50 annual hotel credit, and bonus points on dining and travel.Business Insider's personal finance experts agree: The Chase Sapphire Preferred® Card is an industry leader across several of our credit card guides, topping our lists of the best credit cards, the best rewards credit cards, and the best travel rewards credit cards. Earn 5 points on travel purchased through Chase Travel℠. Earn 3 points on dining, select streaming services and online groceries. Earn 2 points on all other travel purchases. Earn 1 points on all other purchases.$95N/A20.49% - 27.49% VariableEarn 60,000 bonus pointsGood to ExcellentIf you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.The Sapphire Preferred Card earns bonus points on various travel and dining purchases. But this card's travel insurance protections are its most valuable benefit. These protections include primary car rental coverage, as well as trip cancellation and interruption insurance. If that sounds like a bunch of gibberish, here's what that really means: If someone dents my rental car while it's in my possession, I can file a claim through Chase instead of my personal car insurance company. If my bags are lost or delayed by an airline, I can buy basic necessities like toothpaste or extra socks and get reimbursed for the money I spend. And if my flight is canceled or delayed overnight or for more than 12 hours, these benefits will cover up to $500 per ticket in unexpected expenses, such as meals and a hotel room, for myself and any travel companions whose tickets were purchased on my credit card. This card also comes with a generous welcome bonus for new cardholders that offsets a reasonable $95 annual fee, making it affordable for most peopl who travel at least once a year. The Sapphire Preferred Card also includes a $50 annual credit for hotels booked through the Chase Travel℠ Portal, a 10% anniversary points bonus, and up to 5 points per dollar in popular spending categories.The current Sapphire Preferred Card intro bonus goes a long way: 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. This welcome offer is worth $1,080 in travel, based on Business Insider's points and miles valuations. That's enough for a vacation to Hawaii during shoulder season if I'm savvy with my spending.Sapphire Preferred Cardholders earn points at the following rates per dollar spent:If you close your credit card, you'll lose all the points in your account. So, if you cancel this credit card, be sure to redeem your rewards, combine them with rewards on another partner credit card in the Chase family, or transfer them to a Chase Ultimate Rewards points partner.I like pairing the Chase Sapphire Preferred® Card with a cash-back card from Chase like the Chase Freedom Flex® \n . Both cards earn Ultimate Rewards, but they have different bonus categories. I can transfer the points from my Chase Freedom Flex® to my Chase Sapphire Preferred® Card for additional value, essentially doubling my stash of rewards.Chase Ultimate Rewards® points are worth 1 cent apiece when redeemed through Chase Travel℠. But Chase Sapphire Preferred® Cardholders get a 25% redemption value bonus, so my rewards are worth 1.25 cents apiece when if I combine my stash before booking travel through Chase. Chase Sapphire Preferred® Cardholders can redeem Ultimate Rewards points for flights, hotels, rental cars, and more through the Chase Travel℠ portal at the 1.25-cent rate with no limits or blackout dates. The redemption system searches many airline and hotel brands, with a similar feel and layout to major discount travel websites.Booking Directly vs. Using A Third-Party Online Travel Agency (OTA)You'll often find cheaper rates from the hotel or airline, and changes or cancellations are trickier if you don't book direct. Most hotel chains also won't let you earn credit toward elite status if you book through a third-party company like Expedia, Travelocity — or Chase Travel℠.That being said, there's always a time and place to use the Chase Travel℠ portal. I typically recommend using the portal to use up travel credit, such as the $50 annual hotel credit for stays booked through Chase.Transferring Ultimate Rewards to Chase partners usually helps you get the most value out of your points. Chase has 14 different airline and hotel partners, and points transfer at a 1:1 ratio, meaning 1 Chase point equals 1 point or mile in the following programs:There are plenty of non-travel options for redeeming your Chase points. I never recommend doing so because these redemptions are worth far less per point.Paypal and Amazon redemptions are a terrible idea, since you lose 20% of the minimum point value when you use your rewards here.If you want to use your rewards for these merchants, I recommend paying for your purchase with the Chase Sapphire Preferred® Card, then redeeming your points toward a statement credit at 1 cent apiece. The Chase Sapphire Preferred® Card's benefits come in handy when traveling and shopping at home, online, or anywhere your travels take you.The Sapphire Preferred Card comes with up to $50 in annual statement credits toward hotel stays booked through Chase Travel℠. You can use this credit immediately if you're a new cardholder, and the credit renews each year after your card renewal anniversary. Even if you hate the idea of paying a credit card annual fee, hear me out: Taking advantage of this $50 annual credit drops the net cost of your $95 annual fee to just $45 every year. Each year on your account anniversary, you'll receive a points bonus equal to 10% of all purchases made in the previous year. For example, if I spend $25,000 on the card in a 12-month period, I'll get a bonus of 2,500 points — enough to get me to New Orleans and back on Southwest during low season. The next few benefits are some of the best perks of the Sapphire Preferred Card. The Sapphire Preferred Card includes primary car rental insurance for damage due to theft or collision. Primary coverage means your credit card benefits kick in before your personal auto insurance policy. You don't need to file a claim with your own insurer, which can cost you a lot more in premiums down the road.I've never needed to file a rental car claim using this perk — knock on wood — but plenty of travelers have shared success stories on online forums such as Reddit and FlyerTalk. (Of course, there are plenty of exceptions or misunderstandings as well, so make sure you carefully read your benefit terms and conditions before renting your vehicle as well as if you encounter any issues during the rental period.)This rental car protection benefit also means you can skip purchasing insurance through the car rental agency in most countries when you rent a vehicle and pay with the Sapphire Preferred Card.Most cars and countries are included, but some countries and some car models are excluded from this benefit. So make sure you read the fine print before you waive insurance coverage from the rental car company. For instance, I had to purchase local insurance when I rented a car in Ireland. (I was grateful for the protection while I drove on the left side of those narrow roads!)Note: Your credit card rental car coverage doesn't include liability insurance, which covers claims that result from injuries and damage you or your vehicle may cause to other people or property. If a trip you booked using this card is cut short or canceled for an eligible reason such as illness or severe weather, the travel insurance benefit on this card will reimburse up to $10,000 per person and $20,000 per trip for pre-paid, non-refundable travel expenses. This protection can be especially valuable for pricy or time-specific adventures, which often cannot be rescheduled to a later date. For example, I got really lucky with great weather when I went to Antarctica, but the group of travelers behind me didn't even get to set sail for the continent due to inclement conditions. If one of those travelers had had this credit card, they could have filed a claim for reimbursement if they weren't able to sail on the next cruise offered to them. When you use your Sapphire Preferred Card to pay for airfare, the trip delay insurance benefit can reimburse you for up to $500 per ticket for hotel rooms, food, toiletries, clothes, or other reasonable expenses when your flight is delayed overnight, or by 12 hours or more.If you've paid for your travel with the Sapphire Preferred Card and your bags are delayed for six hours or more, you could be reimbursed for essential purchases such as clothing and toiletries, up to $100 per day for up to five days.I have personally used this Chase protection benefit (on another card) to cover nearly one week's worth of unexpected expenses. I've also helped friends file claims for trip delay expenses during the recent CrowdStrike travel fiasco, helping them reclaim hundreds of dollars' worth of last-minute charges when their airline left them high and dry.If the carrier damages or loses your bags, you and your immediate family members could be covered for up to $3,000 per passenger as long as you've paid for your tickets with the Sapphire Preferred Card.When you purchase certain goods with the Sapphire Preferred Card, the card's warranty benefit extends a U.S. manufacturer's warranty by one additional year on warranties of three years or less. If an eligible item you've bought with the Sapphire Preferred Card is damaged or stolen within 120 days of purchase, you may be able to claim up to $500 in reimbursement per purchase, and up to $50,000 per credit card account.If you're traveling away from home and need help, cardholder emergency assistance can help you find medical and legal referrals. This service is free for Sapphire Preferred Card cardholders, but any third-party costs are your responsibility.When you pay for your air, bus, cruise, or train transportation with the Sapphire Preferred Card, you're eligible for accidental death or dismemberment coverage of up to $500,000.Sapphire Preferred Card cardholders can contact the roadside dispatch hotline for help with arranging services like towing and flat tire repair for a set fee.Sapphire Preferred Card get a complimentary DashPass membership (for waived delivery fees on qualifying orders) through December 31, 2027. You have to enroll through Chase to receive this perk. As of Summer 2024, cardholders also get a $10 monthly credit for a grocery, convenience, or retail order. Restaurants aren't included, and you'll often pay hefty service fees for delivery. But I like to maximize this benefit by searching for stores that offer a pick-up option to make the most of my $10 discount. In many cases, 7-Eleven may be the only store in your area that offers pick-up options, but you'd be surprised by how many goodies you can get there with a free $10. The Chase Sapphire Preferred® Card has a $95 annual fee. Many people prefer no-annual-fee credit cards, but I find the peace of mind I get from trip cancellation insurance and primary rental car coverage is worth far more than $95 a year. The Chase Sapphire Preferred® Card has a 20.49% - 27.49% Variable APR. I always recommend paying off your full statement balance every month, and never charging more to your credit card than you can afford. The interest rate on this card is no exception: Your debt will add up very quickly if you carry a balance at this rate of interest. The Chase Sapphire Preferred® Card does not charge any foreign transaction fees when you shop outside the U.S. Foreign transaction fees typically cost an additional 3% to 5% on top of your purchase, and I've saved hundreds of dollars over the years by only using credit cards that don't charge these fees. As with most other credit cards, you'll have to pay fees for credit card balance transfers, cash advances, late payments, and returned payments.The Sapphire Preferred Card isn't the only credit card geared to travelers that offers top-notch benefits and generous rewards. Depending on your spending and travel habits, one of these alternative credit cards could be a better fit for you. Pro Tip for Business Owners: You may also want to consider Chase Sapphire Preferred vs. Ink Business Preferred to get a better understanding of which card will benefit your personal situation the best. You may also be able to pair the Sapphire Preferred Card with one of the best Chase business credit cards for additional value. The Chase Sapphire Reserve®, one of the best premium travel credit cards available, is the top-tier \"sibling\" of the Sapphire Preferred Card.The Chase Sapphire Reserve has a $550 annual fee compared to a $95 annual fee on the Sapphire Preferred Card. The Chase Sapphire Reserve comes with up to a $300 annual travel credit and access to more than 1,500 airport lounges through its complimentary Priority Pass membership. Cardholders can also redeem Ultimate Rewards through the Chase portal at a value of 1.5 cents apiece, compared to the 1.25 cents apiece for Sapphire Preferred Card.Chase Sapphire Reserve cardholders earn 10 points on Lyft rides through March 2025; 10 points on hotels and car rentals booked through Chase; 10 points on Chase Dining; 5 points on airfare through Chase Travel℠; 3 points on other dining and travel; and earn 1 point per dollar on all other purchases. Read more in our Chase Sapphire Reserve credit card review. If you want a mid-tier travel credit card that earns American Express Membership rewards, the American Express® Gold Card is a good option for you to consider. Cardholders earn 4 Membership Rewards® points on purchases at restaurants worldwide (on up to $50,000 in purchases per calendar year, then 1 point), 4 points at US supermarkets (on up to $25,000 in purchases per calendar year, then 1 point), 3 points on flights booked directly with airlines or on AmexTravel.com, 2 points on prepaid hotels and other eligible purchases booked on AmexTravel.com, and 1 point on all other eligible purchasesNew Amex Gold cardholders can earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new card in your first six months of card membership, and can benefit from extra perks at Amex Hotel Collection properties when booked through Amex; secondary car rental insurance; trip delay insurance; baggage insurance; extended warranty; purchase protection; and up to $10 in Uber Cash each month after adding the card as a method of payment in your Uber account.American Express® Gold Card cardholders who enroll in the benefit can can also get a $10 monthly dining credit at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. This card has an annual fee of $325, which is significantly higher than that of the Sapphire Preferred Card.Read more in our Amex Gold Card review.The Capital One Venture Rewards Credit Card is nearly identical to the Sapphire Preferred Card, but for people who prefer Capital One as a credit card issuer. New cardholders can earn a welcome bonus of 75,000 miles once you spend $4,000 on purchases within the first three months of account opening. The card has an annual fee of $95, and earns a flat rate of 2 miles per dollar on most purchases. They will earn 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel. If you're still undecided, we have a full breakdown of Chase Sapphire Preferred versus Capital One Venture.Read more in our Capital One Venture card review.To be eligible to apply for the Sapphire Preferred Card, you have a credit score in the good to excellent range. However, Chase only allows you to have one Sapphire card at a time, so if you already have the card (or its sibling, the Chase Sapphire Reserve®), you won't be approved.For consumers who travel and dine out on occasion, the $95 is worth the annual fee. The annual fee might seem intimidating if you've only had no-annual-fee cards in the past, but the card pays for itself pretty quickly with a $50 annual credit for hotels booked through Chase and generous rewards on dining, online groceries, and travel purchases.The Sapphire Preferred Card earns Chase Ultimate Rewards points, which you can redeem for travel booked through Chase, statement credits, gift cards, and merchandise. The best way to use your rewards is usually by transferring them to Chase's airline and hotel partners, because you can often get outsized value from your points this way.The Sapphire Preferred Card does not charge extra to add authorized users. Additional cardholders get their own card, but any points earned from their spending will belong to the primary cardholder. Keep in mind any transactions made by your authorized users are your responsibility, so only add folks you trust.The minimum credit limit for the Sapphire Preferred Card is usually $5,000 because it's a Visa Signature card. Many people get approved for credit limits that are higher than that.The difference between the Sapphire Preferred and Reserve is that the Sapphire Preferred Card is a mid-tier card with a $95 annual fee and generous rewards for spending. The Chase Sapphire Reserve® is a premium card meant for frequent travelers, and comes with upscale benefits and rewards in exchange for a $550 annual fee.You can upgrade the Sapphire Preferred Card if you've had it for at least a year. Should you decide it's not a good fit, you can call Chase and ask to product change to a different personal Chase Ultimate Rewards earning card. For example, if you find yourself traveling more often and want perks like Priority Pass airport lounge access, you could ask for an upgrade to the Chase Sapphire Reserve®.You can downgrade the Sapphire Preferred Card if you've had it for at least a year. If you find that paying the Sapphire Preferred Card's annual fee isn't worth it for you, you could request a downgrade to the no-annual-fee Chase Freedom Flex® or Chase Freedom Unlimited®. No, the Sapphire Preferred Card doesn't come with a TSA PreCheck® or Global Entry credit. However, its sibling, the Chase Sapphire Reserve, does offer this feature. You can find more options in our guide to the best credit cards with Global Entry and TSA PreCheck® credits.We compared the Sapphire Preferred Card to similar travel rewards credit cards and assessed the card on various factors, including:Here's a full breakdown of how we rate credit cards at Business Insider.","articleSection":"Personal Finance, Credit Cards","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Who is eligible for the Chase Sapphire Preferred?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">To be eligible to apply for the Sapphire Preferred Card, you have a credit score in the good to excellent range. However, Chase only allows you to have one Sapphire card at a time, so if you already have the card (or its sibling, the Chase Sapphire Reserve®), you won't be approved.</p>"}},{"@type":"Question","name":"Is the Chase Sapphire Preferred worth the annual fee?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">For consumers who travel and dine out on occasion, the $95 is worth the annual fee. The annual fee might seem intimidating if you've only had <a target=\"_blank\" rel=\"noopener\" href=\"https://www.businessinsider.com/personal-finance/credit-cards/best-no-fee-credit-card\" data-analytics-product-module=\"body_link\">no-annual-fee cards</a> in the past, but the card pays for itself pretty quickly with a $50 annual credit for hotels booked through Chase and generous rewards on dining, online groceries, and travel purchases.</p>"}},{"@type":"Question","name":"What are Chase Sapphire Preferred rewards?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The Sapphire Preferred Card earns Chase Ultimate Rewards points, which you can redeem for travel booked through Chase, statement credits, gift cards, and merchandise. The best way to use your rewards is usually by transferring them to Chase's airline and hotel partners, because you can often get outsized value from your points this way.</p>"}},{"@type":"Question","name":"Can I transfer Chase Ultimate Rewards® points to other loyalty programs?Yes, Chase has more than a dozen airline and hotel transfer partners including Marriott, United, and Southwest.","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\"></p>"}},{"@type":"Question","name":"What credit score do I need for the Chase Sapphire Preferred® Card?You're most likely to be approved for the Sapphire Preferred Card if you have a credit score ranging between good to excellent (670 or higher).","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\"></p>"}},{"@type":"Question","name":"Does the Chase Sapphire Preferred charge for authorized users?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The Sapphire Preferred Card does not charge extra to add authorized users. Additional cardholders get their own card, but any points earned from their spending will belong to the primary cardholder. Keep in mind any transactions made by your authorized users are your responsibility, so only add folks you trust.</p>"}},{"@type":"Question","name":"What is the credit limit for the Chase Sapphire Preferred card?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The minimum credit limit for the Sapphire Preferred Card is usually $5,000 because it's a Visa Signature card. Many people get approved for credit limits that are higher than that.</p>"}},{"@type":"Question","name":"What's the difference between the Chase Sapphire Preferred vs. Reserve?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The difference between the Sapphire Preferred and Reserve is that the Sapphire Preferred Card is a mid-tier card with a $95 annual fee and generous rewards for spending. The Chase Sapphire Reserve® is a premium card meant for frequent travelers, and comes with upscale benefits and rewards in exchange for a $550 annual fee.</p>"}},{"@type":"Question","name":"Can you upgrade the Chase Sapphire Preferred card?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">You can upgrade the Sapphire Preferred Card if you've had it for at least a year. Should you decide it's not a good fit, you can call Chase and ask to product change to a different personal Chase Ultimate Rewards earning card. For example, if you find yourself traveling more often and want perks like Priority Pass airport lounge access, you could ask for an upgrade to the Chase Sapphire Reserve®.</p>"}},{"@type":"Question","name":"Can you downgrade the Chase Sapphire Preferred card?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">You can downgrade the Sapphire Preferred Card if you've had it for at least a year. If you find that paying the Sapphire Preferred Card's annual fee isn't worth it for you, you could request a downgrade to the no-annual-fee Chase Freedom Flex® or Chase Freedom Unlimited®. </p>"}},{"@type":"Question","name":"Does the Chase Sapphire Preferred cover TSA PreCheck or Global Entry?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">No, the Sapphire Preferred Card doesn't come with a TSA PreCheck® or Global Entry credit. However, its sibling, the Chase Sapphire Reserve, does offer this feature. You can find more options in our guide to the <a target=\"_blank\" rel=\"noopener\" href=\"https://www.businessinsider.com/personal-finance/credit-cards/best-global-entry-tsa-precheck-credit-card\" data-analytics-product-module=\"body_link\">best credit cards with Global Entry and TSA PreCheck®</a> credits.</p>"}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"ItemList","numberOfItems":1,"itemListElement":[{"@context":"http://schema.org","@type":"ListItem","position":1,"item":{"@context":"http://schema.org","@type":"Product","name":"Chase Sapphire Preferred® Card","image":"https://i.insider.com/6605e2121caec1275a6ab3ec?width=400","brand":"Chase","url":"https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-preferred-card-review#5e67d55684159f610676c264","review":[{"@type":"Review","author":[{"@type":"Person","name":"Katherine 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page are from partners that compensate us and terms apply to offers listed (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/credit-cards/how-we-rate-credit-cards" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate credit cards to write unbiased product reviews</a>.</aside> <div class="col-12"> </div> <figure class="figure image-figure-image as-notched" data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope itemtype="https://schema.org/ImageObject" > <div class="aspect-ratio" style="padding-top: calc(100% / (1292 / 646))" > <meta itemprop="contentUrl" content="https://i.insider.com/6716be9b01ea6d83dee300f2?width=700"/> <img src="https://i.insider.com/6716be9b01ea6d83dee300f2?width=700" srcset="https://i.insider.com/6716be9b01ea6d83dee300f2?width=400&format=jpeg&auto=webp 400w, https://i.insider.com/6716be9b01ea6d83dee300f2?width=500&format=jpeg&auto=webp 500w, https://i.insider.com/6716be9b01ea6d83dee300f2?width=700&format=jpeg&auto=webp 700w, https://i.insider.com/6716be9b01ea6d83dee300f2?width=1000&format=jpeg&auto=webp 1000w" sizes="(min-width: 1280px) 900px" alt="Katherine Fan sits in a field of green grass" decoding="sync" /> </div> <span class="image-source-caption with-caption-drawer"> <input class="caption-drawer-input" type="checkbox" id="caption-drawer-checkbox"> <label class="caption-drawer-label" for="caption-drawer-btn"> <svg class="svg-icon chevron-down-icon caption-drawer-icon" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" fill-rule="evenodd" d="m19.44 5.5-7.486 7.72L4.56 5.594 2 8.234 11.954 18.5 22 8.14 19.44 5.5Z"/> </svg> </label> <figcaption class="image-caption headline-semibold" data-e2e-name="image-caption" > <span class="image-caption-text">The Chase Sapphire Preferred offers primary rental car coverage — an elite benefit usually found on premium credit cards.</span> <span class="image-source-text"> <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText" > Katherine Fan/JFan Studio </span> </span> </figcaption> </span> </figure> <div class="sticky-toc-content-wrapper"> <aside class="sticky-toc as-aside" data-component-type="sticky-toc"> <nav class="sticky-toc-aside js-sticky-toc-aside"> <menu class="sticky-toc-menu"> <li> <a href="#overview" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Overview </a> </li> <li> <a href="#rewards" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rewards </a> </li> <li> <a href="#how-to-redeem-points" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How to Redeem Points </a> </li> <li> <a href="#benefits-and-features" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Benefits and Features </a> </li> <li> <a href="#fees" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Fees </a> </li> <li> <a href="#chase-sapphire-preferred-card-comparison" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Chase Sapphire Preferred Card Comparison </a> </li> <li> <a href="#faqs" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> <li> <a href="#why-you-should-trust-us:-how-we-reviewed-the-chase-sapphire-preferred" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us: How We Reviewed the Chase Sapphire Preferred </a> </li> </menu> </nav> </aside> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p></p><p>As Business Insider's correspondent covering all things credit cards, I'm often a resource for friends and family members looking to get a new card.</p><p>Many people focus on credit card rewards above all else, but I primarily recommend the Chase Sapphire Preferred® Card for its fantastic benefits, including travel reimbursements for flight cancellations and lost bags, primary rental car insurance coverage, a $50 annual hotel credit, and bonus points on dining and travel.</p><p>Business Insider's personal finance experts agree: The Chase Sapphire Preferred® Card is an industry leader across several of our credit card guides, topping our lists of the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-credit-cards" data-analytics-product-module="body_link" rel="">best credit cards</a>, the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-rewards-credit-cards" data-analytics-product-module="body_link" rel="">best rewards credit cards</a>, and the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-travel-rewards-credit-cards" data-analytics-product-module="body_link" rel="">best travel rewards credit cards</a>. </p> <div id="chase-sapphire-preferred®-card" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Chase Sapphire Preferred® Card</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71665-20&h=818b87b2833a01d97b44bae5187c7061e90b0fdaadd1894c39e24e2649afe102&platform=browser&postID=66a004f420eaab25bc22260a&postSlug=personal-finance%2Fcredit-cards%2Fchase-sapphire-preferred-card-review&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26669545" rel="nofollow noindex" data-analytics-product-id="5e67d55684159f610676c264" data-analytics-product-brand="Chase" data-analytics-product-name="Chase Sapphire Preferred® Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=818b87b2833a01d97b44bae5187c7061e90b0fdaadd1894c39e24e2649afe102&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26669545"> Apply now <svg xmlns="http://www.w3.org/2000/svg" width="17" height="16" fill="none"> <title>lock icon</title> <desc>An icon in the shape of lock.</desc> <g clip-path="url(#a)"> <path d="M12.501 5.334h-.666V4a3.335 3.335 0 0 0-6.667 0v1.334h-.667c-.733 0-1.333.6-1.333 1.333v6.667c0 .733.6 1.333 1.333 1.333h8c.734 0 1.334-.6 1.334-1.333V6.667c0-.733-.6-1.333-1.334-1.333ZM6.501 4c0-1.106.894-2 2-2 1.107 0 2 .894 2 2v1.334h-4V4Zm6 9.334h-8V6.667h8v6.667Z" fill="#fff"></path> </g> <defs> <clipPath id="a"> <path fill="#fff" transform="translate(.5)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg> </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On Chase's website</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71665-20&h=818b87b2833a01d97b44bae5187c7061e90b0fdaadd1894c39e24e2649afe102&platform=browser&postID=66a004f420eaab25bc22260a&postSlug=personal-finance%2Fcredit-cards%2Fchase-sapphire-preferred-card-review&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26669545" rel="nofollow noindex" data-analytics-product-id="5e67d55684159f610676c264" data-analytics-product-brand="Chase" data-analytics-product-name="Chase Sapphire Preferred® Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=818b87b2833a01d97b44bae5187c7061e90b0fdaadd1894c39e24e2649afe102&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26669545"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/6605e2121caec1275a6ab3ec?width=400" alt="Chase Chase Sapphire Preferred® Card"> <noscript> <img class="no-script" src="https://i.insider.com/6605e2121caec1275a6ab3ec?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5e67d55684159f610676c264-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7435181215513587"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7435181215513587)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.13110175724592055"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.13110175724592055)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.6185934161357456"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.6185934161357456)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.3488154293016317"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.3488154293016317)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.286687202031104"> <stop stop-color="#faa809" offset="40%"></stop> <stop stop-color="white" offset="40%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.286687202031104)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.4<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn 5 points on travel purchased through Chase Travel℠. Earn 3 points on dining, select streaming services and online groceries. Earn 2 points on all other travel purchases. Earn 1 points on all other purchases.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Fee </strong> </div> <p class="financial-product-card__specs__text headline-regular">$95</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">N/A</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">20.49% - 27.49% Variable</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro Offer </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">Earn 60,000 bonus points</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">Good to Excellent</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3" data-analytics-product-id="5e67d55684159f610676c264" data-analytics-product-brand="Chase" data-analytics-product-name="Chase Sapphire Preferred® Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>High intro bonus offer starts you off with lots of points</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Strong travel coverage</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Doesn't offer a Global Entry/TSA PreCheck application fee credit</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.</p> </div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.</li> <li class="financial-product-card__product-details__list-item">Enjoy beneﬁts such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.</li> <li class="financial-product-card__product-details__list-item">Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.</li> <li class="financial-product-card__product-details__list-item">Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.</li> <li class="financial-product-card__product-details__list-item">Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.</li> <li class="financial-product-card__product-details__list-item">Member FDIC</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5e67d55684159f610676c264" data-analytics-product-brand="Chase" data-analytics-product-name="Chase Sapphire Preferred® Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><h2 id="overview" data-toc-id="44e3827d-e56c-45cc-b56e-fcb142ed8d5f" data-toc-label="Overview" class="toc-anchor">Chase Sapphire Preferred® Card Overview</h2><p>The Sapphire Preferred Card earns bonus points on various travel and dining purchases. But this card's travel insurance protections are its most valuable benefit. These protections include primary car rental coverage, as well as trip cancellation and interruption insurance. </p><p>If that sounds like a bunch of gibberish, here's what that really means: If someone dents my rental car while it's in my possession, I can file a claim through Chase instead of my personal car insurance company. If my bags are lost or delayed by an airline, I can buy basic necessities like toothpaste or extra socks and get reimbursed for the money I spend. And if my flight is canceled or delayed overnight or for more than 12 hours, these benefits will cover up to $500 per ticket in unexpected expenses, such as meals and a hotel room, for myself and any travel companions whose tickets were purchased on my credit card. </p><p>This card also comes with a generous welcome bonus for new cardholders that offsets a reasonable $95 annual fee, making it affordable for most peopl who travel at least once a year. </p><p>The Sapphire Preferred Card also includes a $50 annual credit for hotels booked through the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ultimate-rewards-travel-portal" data-analytics-product-module="body_link" rel="">Chase Travel℠ Portal</a>, a 10% anniversary points bonus, and up to 5 points per dollar in popular spending categories.</p><h2 id="rewards" data-toc-id="271b0409-ac94-4b63-855c-74faf0e64e1e" data-toc-label="Rewards" class="toc-anchor">Chase Sapphire Preferred® Card Rewards</h2><h3 id="d022add6-6473-499a-bc7c-20226f75ddf1" data-toc-id="d022add6-6473-499a-bc7c-20226f75ddf1"><strong>Welcome Bonus</strong></h3><p>The current Sapphire Preferred Card intro bonus goes a long way: 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. This welcome offer is worth $1,080 in travel, based on Business Insider's <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/what-are-points-miles-worth-value" data-analytics-product-module="body_link" rel="">points and miles valuations</a>. That's enough for a vacation to Hawaii during shoulder season if I'm savvy with my spending.</p><h2 id="6c1a9439-3af1-4270-a072-5302702bfe84" data-toc-id="6c1a9439-3af1-4270-a072-5302702bfe84"><strong>How to Earn Points With the Sapphire Preferred Card</strong></h2><p>Sapphire Preferred Cardholders earn points at the following rates per dollar spent:</p><ul><li>5x on all travel purchased through Chase Travel℠</li><li>3x on dining including eligible delivery services, takeout, and dining out</li><li>3x on select streaming services</li><li>3x on online grocery purchases excluding Target, Walmart, and wholesale clubs</li><li>2x on eligible travel booked outside of Chase Travel℠</li><li>1x on all other expenses</li></ul><h3 id="fb601734-b0b1-4686-9aea-149562f0551e" data-toc-id="fb601734-b0b1-4686-9aea-149562f0551e">How to Keep Your Chase Ultimate Rewards Points </h3><p>If you close your credit card, you'll lose all the points in your account. So, if you cancel this credit card, be sure to redeem your rewards, combine them with rewards on another partner credit card in the Chase family, or transfer them to a <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ultimate-rewards-points-transfer-partners" data-analytics-product-module="body_link" rel="">Chase Ultimate Rewards points partner</a>.</p><h2 id="how-to-redeem-points" data-toc-id="a24d9811-fc36-454e-92b3-ebf34261807a" data-toc-label="How to Redeem Points" class="toc-anchor"><strong>How to Redeem Points From the Sapphire Preferred Card</strong></h2><p>I like pairing the Chase Sapphire Preferred® Card with a cash-back card from Chase like the Chase Freedom Flex®<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="The information related to the Chase Chase Freedom Flex® has been collected by Business Insider and has not been reviewed by the issuer." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> . Both cards earn Ultimate Rewards, but they have different bonus categories. I can transfer the points from my Chase Freedom Flex® to my Chase Sapphire Preferred® Card for additional value, essentially doubling my stash of rewards.</p><h3 id="22a65c64-5ad0-4868-a703-c4a9f7ca621d" data-toc-id="22a65c64-5ad0-4868-a703-c4a9f7ca621d">Redeem Chase Points for Travel</h3><h4 id="f1455034-c9aa-442d-969c-ba8ad216009b" data-toc-id="f1455034-c9aa-442d-969c-ba8ad216009b">Book Through Chase Travel and Pay With Chase Points</h4><p>Chase Ultimate Rewards® points are worth 1 cent apiece when redeemed through Chase Travel℠. But Chase Sapphire Preferred® Cardholders get a 25% redemption value bonus, so my rewards are worth 1.25 cents apiece when if I combine my stash before booking travel through Chase. </p><p>Chase Sapphire Preferred® Cardholders can redeem Ultimate Rewards points for flights, hotels, rental cars, and more through the Chase Travel℠ portal at the 1.25-cent rate with no limits or blackout dates. The redemption system searches many airline and hotel brands, with a similar feel and layout to major discount travel websites.</p><p>Booking Directly vs. Using A Third-Party Online Travel Agency (OTA)</p><p>You'll often find cheaper rates from the hotel or airline, and changes or cancellations are trickier if you don't book direct. Most hotel chains also won't let you earn credit toward elite status if you book through a third-party company like Expedia, Travelocity — or Chase Travel℠.</p><p>That being said, there's always a time and place to use the Chase Travel℠ portal. I typically recommend using the portal to use up travel credit, such as the $50 annual hotel credit for stays booked through Chase.</p><h4 id="61c96158-1198-4d76-b1b6-2e8f013741dc" data-toc-id="61c96158-1198-4d76-b1b6-2e8f013741dc">Transfer Chase Points to Airlines and Hotels</h4><p>Transferring Ultimate Rewards to Chase partners usually helps you get the most value out of your points.  Chase has 14 different airline and hotel partners, and points transfer at a 1:1 ratio, meaning 1 Chase point equals 1 point or mile in the following programs:</p><h3 id="153a00b9-4d47-4db7-99cb-6eaf164a278d" data-toc-id="153a00b9-4d47-4db7-99cb-6eaf164a278d">Chase Transfer Partners</h3><ul><li>Aer Lingus AerClub</li><li>Air Canada Aeroplan</li><li>Air France-KLM Flying Blue</li><li>British Airways Executive Club</li><li>Emirates Skywards</li><li>Iberia Plus</li><li>JetBlue TrueBlue</li><li>Singapore Airlines KrisFlyer</li><li>Southwest Airlines Rapid Rewards</li><li>United MileagePlus</li><li>Virgin Atlantic Flying Club</li><li>IHG Rewards Club</li><li>Marriott Bonvoy</li><li>World of Hyatt</li></ul><h3 id="2e60af4f-f4f0-4007-9818-e8216a189cb2" data-toc-id="2e60af4f-f4f0-4007-9818-e8216a189cb2">Redeem Chase Points for Other Perks</h3><p>There are plenty of non-travel options for redeeming your Chase points. I never recommend doing so because these redemptions are worth far less per point.</p><ul><li><strong>Cash back:</strong> Cash in your points at a rate of 1 cent apiece toward a statement credit or direct deposit to your bank account</li><li><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/how-to-use-chase-pay-yourself-back" rel=""><strong>Chase Pay Yourself Back</strong></a><strong>:</strong> Use points toward eligible purchases at a rate of up to 1.25 cents apiece</li><li><strong>Gift cards:</strong> Your points are worth 1 cent each toward gift cards from popular merchants such as Nike and Lululemon</li><li><strong>Apple, PayPal, and Amazon purchases:</strong> Use points directly for Apple (1 cent each), PayPal (0.8 cents each), or Amazon (0.8 cents each) purchases.</li></ul><p>Paypal and Amazon redemptions are a terrible idea, since you lose 20% of the minimum point value when you use your rewards here.</p><p>If you want to use your rewards for these merchants, I recommend paying for your purchase with the Chase Sapphire Preferred® Card, then redeeming your points toward a statement credit at 1 cent apiece. </p><h2 id="benefits-and-features" data-toc-id="2fdf4407-3a64-4175-9c7d-0c1ccea550f6" data-toc-label="Benefits and Features" class="toc-anchor"><strong>Chase Sapphire Preferred® Card Benefits and Features</strong></h2><p>The Chase Sapphire Preferred® Card's benefits come in handy when traveling and shopping at home, online, or anywhere your travels take you.</p><h3 id="0f980eb0-978c-4104-94de-709b77d9b69e" data-toc-id="0f980eb0-978c-4104-94de-709b77d9b69e"><strong>$50 Annual Hotel Credit</strong></h3><p>The Sapphire Preferred Card comes with up to $50 in annual statement credits toward hotel stays booked through Chase Travel℠. You can use this credit immediately if you're a new cardholder, and the credit renews each year after your card renewal anniversary. </p><p>Even if you hate the idea of paying a credit card annual fee, hear me out: Taking advantage of this $50 annual credit drops the net cost of your $95 annual fee to just $45 every year. </p><h3 id="b6aad452-c942-401a-a88d-20834460ce6b" data-toc-id="b6aad452-c942-401a-a88d-20834460ce6b"><strong>10% Anniversary Point Bonus</strong></h3><p>Each year on your account anniversary, you'll receive a points bonus equal to 10% of all purchases made in the previous year. For example, if I spend $25,000 on the card in a 12-month period, I'll get a bonus of 2,500 points — enough to get me to New Orleans and back on Southwest during low season. </p><h3 id="cf8bbff8-ebe1-44be-8568-abd188ad0fe5" data-toc-id="cf8bbff8-ebe1-44be-8568-abd188ad0fe5"><strong>Primary Car Rental Insurance</strong></h3><p>The next few benefits are some of the best perks of the Sapphire Preferred Card. </p><p>The Sapphire Preferred Card includes primary car rental insurance for damage due to theft or collision. Primary coverage means your credit card benefits kick in before your personal <a target="_blank" href="https://www.businessinsider.com/personal-finance/auto-insurance" data-analytics-product-module="body_link" rel="">auto insurance</a> policy. You don't need to file a claim with your own insurer, which can cost you a lot more in premiums down the road.</p><p>I've never needed to file a rental car claim using this perk — knock on wood — but plenty of travelers have shared success stories on online forums such as Reddit and FlyerTalk. (Of course, there are plenty of exceptions or misunderstandings as well, so make sure you carefully read your benefit terms and conditions before renting your vehicle as well as if you encounter any issues during the rental period.)</p><p>This rental car protection benefit also means you can skip purchasing insurance through the car rental agency in most countries when you rent a vehicle and pay with the Sapphire Preferred Card.</p><p>Most cars and countries are included, but some countries and some car models are excluded from this benefit. So make sure you read the fine print before you waive insurance coverage from the rental car company. For instance, I had to purchase local insurance when I rented a car in Ireland. (I was grateful for the protection while I drove on the left side of those narrow roads!)</p><p><strong>Note: </strong>Your credit card rental car coverage doesn't include liability insurance, which covers claims that result from injuries and damage you or your vehicle may cause to other people or property. </p><h3 id="2bd4487a-e443-4de4-bc6e-9026d10191d3" data-toc-id="2bd4487a-e443-4de4-bc6e-9026d10191d3"><strong>Trip Interruption/Cancellation Insurance</strong></h3><p>If a trip you booked using this card is cut short or canceled for an eligible reason such as illness or severe weather, the travel insurance benefit on this card will reimburse up to $10,000 per person and $20,000 per trip for pre-paid, non-refundable travel expenses. </p><p>This protection can be especially valuable for pricy or time-specific adventures, which often cannot be rescheduled to a later date. For example, I got really lucky with great weather when I went to Antarctica, but the group of travelers behind me didn't even get to set sail for the continent due to inclement conditions. If one of those travelers had had this credit card, they could have filed a claim for reimbursement if they weren't able to sail on the next cruise offered to them. </p><h3 id="71cf721d-a8df-4264-be59-a88e1a8c1b09" data-toc-id="71cf721d-a8df-4264-be59-a88e1a8c1b09"><strong>Trip Delay Insurance</strong></h3><p>When you use your Sapphire Preferred Card to pay for airfare, the trip delay insurance benefit can reimburse you for up to $500 per ticket for hotel rooms, food, toiletries, clothes, or other reasonable expenses when your flight is delayed overnight, or by 12 hours or more.</p><h3 id="0cc7fab1-449c-4bc9-b9d9-4c47ec60e46a" data-toc-id="0cc7fab1-449c-4bc9-b9d9-4c47ec60e46a"><strong>Baggage Delay Insurance</strong></h3><p>If you've paid for your travel with the Sapphire Preferred Card and your bags are delayed for six hours or more, you could be reimbursed for essential purchases such as clothing and toiletries, up to $100 per day for up to five days.</p><p>I have personally used this Chase protection benefit (on another card) to cover nearly one week's worth of unexpected expenses. I've also helped friends file claims for trip delay expenses during the recent CrowdStrike travel fiasco, helping them reclaim hundreds of dollars' worth of last-minute charges when their airline left them high and dry.</p><h3 id="e38e9b78-8412-4569-b85a-9cb6f1264909" data-toc-id="e38e9b78-8412-4569-b85a-9cb6f1264909"><strong>Lost Luggage Reimbursement</strong></h3><p>If the carrier damages or loses your bags, you and your immediate family members could be covered for up to $3,000 per passenger as long as you've paid for your tickets with the Sapphire Preferred Card.</p><h3 id="00ebdb9c-f7da-4a72-9e3e-095145fc7e46" data-toc-id="00ebdb9c-f7da-4a72-9e3e-095145fc7e46"><strong>Extended Warranty</strong></h3><p>When you purchase certain goods with the Sapphire Preferred Card, the card's warranty benefit extends a U.S. manufacturer's warranty by one additional year on warranties of three years or less. </p><h3 id="8257f8dd-9cd9-4667-88a7-1f801e22bc58" data-toc-id="8257f8dd-9cd9-4667-88a7-1f801e22bc58"><strong>Purchase Protection</strong></h3><p>If an eligible item you've bought with the Sapphire Preferred Card is damaged or stolen within 120 days of purchase, you may be able to claim up to $500 in reimbursement per purchase, and up to $50,000 per credit card account.</p><h3 id="1a873038-ef80-46b5-80a5-16d5db96fc39" data-toc-id="1a873038-ef80-46b5-80a5-16d5db96fc39"><strong>Travel and Emergency Assistance Services</strong></h3><p>If you're traveling away from home and need help, cardholder emergency assistance can help you find medical and legal referrals. This service is free for Sapphire Preferred Card cardholders, but any third-party costs are your responsibility.</p><h3 id="1b1cad4b-55d7-4136-9a31-8d9aa9dff6bf" data-toc-id="1b1cad4b-55d7-4136-9a31-8d9aa9dff6bf"><strong>Travel Accident Insurance</strong></h3><p>When you pay for your air, bus, cruise, or train transportation with the Sapphire Preferred Card, you're eligible for accidental death or dismemberment coverage of up to $500,000.</p><h3 id="81ef7ca7-c8c6-4872-bb3b-2228ce541c37" data-toc-id="81ef7ca7-c8c6-4872-bb3b-2228ce541c37"><strong>Roadside Dispatch</strong></h3><p>Sapphire Preferred Card cardholders can contact the roadside dispatch hotline for help with arranging services like towing and flat tire repair for a set fee.</p><h3 id="45df95c0-6a93-4ae9-b1e9-c81d060a2896" data-toc-id="45df95c0-6a93-4ae9-b1e9-c81d060a2896"><strong>DoorDash DashPass + Monthly Credit</strong></h3><p>Sapphire Preferred Card get a complimentary DashPass membership (for waived delivery fees on qualifying orders) through December 31, 2027. You have to enroll through Chase to receive this perk. </p><p>As of Summer 2024, cardholders also get a $10 monthly credit for a grocery, convenience, or retail order. Restaurants aren't included, and you'll often pay hefty service fees for delivery. But I like to maximize this benefit by searching for stores that offer a pick-up option to make the most of my $10 discount. In many cases, 7-Eleven may be the only store in your area that offers pick-up options, but you'd be surprised by how many goodies you can get there with a free $10. </p><h2 id="fees" data-toc-id="8d4e4992-1c3f-424a-b7f2-b3352de061b8" data-toc-label="Fees" class="toc-anchor">Chase Sapphire Preferred® Card Fees</h2><h3 id="96e55747-33de-4864-9dde-144755db467e" data-toc-id="96e55747-33de-4864-9dde-144755db467e">Annual Fee</h3><p>The Chase Sapphire Preferred® Card has a $95 annual fee. Many people prefer <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-no-fee-credit-card" data-analytics-product-module="body_link" rel="">no-annual-fee credit cards</a>, but I find the peace of mind I get from trip cancellation insurance and primary rental car coverage is worth far more than $95 a year. </p><h3 id="3ce2ff61-26ba-43c2-a22d-3062df878e33" data-toc-id="3ce2ff61-26ba-43c2-a22d-3062df878e33"><strong>Interest Rate (APR)</strong></h3><p>The Chase Sapphire Preferred® Card has a 20.49% - 27.49% Variable APR. I always recommend paying off your full statement balance every month, and never charging more to your credit card than you can afford. The interest rate on this card is no exception: Your debt will add up very quickly if you carry a balance at this rate of interest. </p><h3 id="a5f507a4-c895-4edf-8d1f-bd92928f491d" data-toc-id="a5f507a4-c895-4edf-8d1f-bd92928f491d"><strong>No Foreign Transaction Fees</strong></h3><p>The Chase Sapphire Preferred® Card does not charge any foreign transaction fees when you shop outside the U.S. Foreign transaction fees typically cost an additional 3% to 5% on top of your purchase, and I've saved hundreds of dollars over the years by only using credit cards that don't charge these fees. </p><h3 id="20445da9-6aae-490e-bbe1-ed54f0be63e3" data-toc-id="20445da9-6aae-490e-bbe1-ed54f0be63e3"><strong>Fees for Late Payment, Balance Transfers, Cash Advances, and Returned Payments</strong></h3><p>As with most other credit cards, you'll have to pay fees for credit card balance transfers, cash advances, late payments, and returned payments.</p><h2 id="chase-sapphire-preferred-card-comparison" data-toc-id="042f9e40-3342-4aa2-98ba-71a4587390a0" data-toc-label="Chase Sapphire Preferred Card Comparison" class="toc-anchor">Alternatives to the Chase Sapphire Preferred® Card</h2><p>The Sapphire Preferred Card isn't the only credit card geared to travelers that offers top-notch benefits and generous rewards. Depending on your spending and travel habits, one of these alternative credit cards could be a better fit for you. </p><p><strong>Pro Tip for Business Owners:</strong> You may also want to consider <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-preferred-vs-ink-business-preferred-card-comparison" data-analytics-product-module="body_link" rel="">Chase Sapphire Preferred vs. Ink Business Preferred</a> to get a better understanding of which card will benefit your personal situation the best. You may also be able to pair the Sapphire Preferred Card with one of the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-chase-business-credit-card" data-analytics-product-module="body_link" rel="">best Chase business credit cards</a> for additional value. </p><h3 id="e1c36b8b-7770-4377-9545-40c0c5cbf659" data-toc-id="e1c36b8b-7770-4377-9545-40c0c5cbf659"><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-reserve-credit-card-review" rel="">Chase Sapphire Reserve®</a> vs. Chase Sapphire Preferred® Card</h3><p>The <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-reserve-credit-card-review" data-analytics-product-module="body_link" rel="">Chase Sapphire Reserve®</a>, one of the best premium travel credit cards available, is the top-tier "sibling" of the Sapphire Preferred Card.</p><p>The Chase Sapphire Reserve has a $550 annual fee compared to a $95 annual fee on the Sapphire Preferred Card. </p><p>The Chase Sapphire Reserve comes with up to a $300 annual travel credit and access to more than 1,500 airport lounges through its complimentary Priority Pass membership. Cardholders can also redeem Ultimate Rewards through the Chase portal at a value of 1.5 cents apiece, compared to the 1.25 cents apiece for Sapphire Preferred Card.</p><p>Chase Sapphire Reserve cardholders earn 10 points on Lyft rides through March 2025; 10 points on hotels and car rentals booked through Chase; 10 points on Chase Dining; 5 points on airfare through Chase Travel℠; 3 points on other dining and travel; and earn 1 point per dollar on all other purchases. </p><p><em>Read more in our </em><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-reserve-credit-card-review" data-analytics-product-module="body_link" rel=""><em>Chase Sapphire Reserve credit card review</em></a><em>. </em></p><h3 id="f4982dbc-6a42-4474-8eb6-8671e10b96d2" data-toc-id="f4982dbc-6a42-4474-8eb6-8671e10b96d2"><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/amex-gold-card-review" rel="">American Express® Gold Card</a> vs. Chase Sapphire Preferred® Card</h3><p>If you want a mid-tier travel credit card that earns American Express Membership rewards, the American Express® Gold Card is a good option for you to consider. Cardholders earn 4 Membership Rewards® points on purchases at restaurants worldwide (on up to $50,000 in purchases per calendar year, then 1 point), 4 points at US supermarkets (on up to $25,000 in purchases per calendar year, then 1 point), 3 points on flights booked directly with airlines or on AmexTravel.com, 2 points on prepaid hotels and other eligible purchases booked on AmexTravel.com, and 1 point on all other eligible purchases</p><p>New Amex Gold cardholders can earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new card in your first six months of card membership, and can benefit from extra perks at Amex Hotel Collection properties when booked through Amex; secondary car rental insurance; trip delay insurance; baggage insurance; extended warranty; purchase protection; and up to $10 in Uber Cash each month after adding the card as a method of payment in your Uber account.</p><p>American Express® Gold Card cardholders who enroll in the benefit can can also get a $10 monthly dining credit at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. This card has an annual fee of $325, which is significantly higher than that of the Sapphire Preferred Card.</p><p><em>Read more in our </em><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/amex-gold-card-review" data-analytics-product-module="body_link" rel=""><em>Amex Gold Card review</em></a><em>.</em></p><h3 id="bdc2d6d1-3506-4de7-93c6-5305cbcfb6c9" data-toc-id="bdc2d6d1-3506-4de7-93c6-5305cbcfb6c9"><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/capital-one-venture-card-review" rel="">Capital One Venture Rewards Credit Card</a> vs. Chase Sapphire Preferred® Card</h3><p>The Capital One Venture Rewards Credit Card is nearly identical to the Sapphire Preferred Card, but for people who prefer Capital One as a credit card issuer. </p><p>New cardholders can earn a welcome bonus of 75,000 miles once you spend $4,000 on purchases within the first three months of account opening. The card has an annual fee of $95, and earns a flat rate of 2 miles per dollar on most purchases. They will earn 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel. </p><p>If you're still undecided, we have a full breakdown of <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-preferred-vs-capital-one-venture" data-analytics-product-module="body_link" rel="">Chase Sapphire Preferred versus Capital One Venture</a>.</p><p><em>Read more in our </em><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/capital-one-venture-card-review" data-analytics-product-module="body_link" rel=""><em>Capital One Venture card review</em></a><em>.</em></p><h2 id="faqs" data-toc-id="770cb653-4aff-4248-a0bb-2ded64c602f7" data-toc-label="FAQs" class="toc-anchor">Sapphire Preferred Card Frequently Asked Questions</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Who is eligible for the Chase Sapphire Preferred? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">To be eligible to apply for the Sapphire Preferred Card, you have a credit score in the good to excellent range. However, Chase only allows you to have one Sapphire card at a time, so if you already have the card (or its sibling, the Chase Sapphire Reserve®), you won't be approved.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Is the Chase Sapphire Preferred worth the annual fee? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">For consumers who travel and dine out on occasion, the $95 is worth the annual fee. The annual fee might seem intimidating if you've only had <a target="_blank" rel="noopener" href="https://www.businessinsider.com/personal-finance/credit-cards/best-no-fee-credit-card" data-analytics-product-module="body_link">no-annual-fee cards</a> in the past, but the card pays for itself pretty quickly with a $50 annual credit for hotels booked through Chase and generous rewards on dining, online groceries, and travel purchases.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What are Chase Sapphire Preferred rewards? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The Sapphire Preferred Card earns Chase Ultimate Rewards points, which you can redeem for travel booked through Chase, statement credits, gift cards, and merchandise. The best way to use your rewards is usually by transferring them to Chase's airline and hotel partners, because you can often get outsized value from your points this way.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can I transfer Chase Ultimate Rewards® points to other loyalty programs?Yes, Chase has more than a dozen airline and hotel transfer partners including Marriott, United, and Southwest. </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer"></p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What credit score do I need for the Chase Sapphire Preferred® Card?You're most likely to be approved for the Sapphire Preferred Card if you have a credit score ranging between good to excellent (670 or higher). </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer"></p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Does the Chase Sapphire Preferred charge for authorized users? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The Sapphire Preferred Card does not charge extra to add authorized users. Additional cardholders get their own card, but any points earned from their spending will belong to the primary cardholder. Keep in mind any transactions made by your authorized users are your responsibility, so only add folks you trust.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is the credit limit for the Chase Sapphire Preferred card? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The minimum credit limit for the Sapphire Preferred Card is usually $5,000 because it's a Visa Signature card. Many people get approved for credit limits that are higher than that.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What's the difference between the Chase Sapphire Preferred vs. Reserve? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The difference between the Sapphire Preferred and Reserve is that the Sapphire Preferred Card is a mid-tier card with a $95 annual fee and generous rewards for spending. The Chase Sapphire Reserve® is a premium card meant for frequent travelers, and comes with upscale benefits and rewards in exchange for a $550 annual fee.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can you upgrade the Chase Sapphire Preferred card? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">You can upgrade the Sapphire Preferred Card if you've had it for at least a year. Should you decide it's not a good fit, you can call Chase and ask to product change to a different personal Chase Ultimate Rewards earning card. For example, if you find yourself traveling more often and want perks like Priority Pass airport lounge access, you could ask for an upgrade to the Chase Sapphire Reserve®.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can you downgrade the Chase Sapphire Preferred card? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">You can downgrade the Sapphire Preferred Card if you've had it for at least a year. If you find that paying the Sapphire Preferred Card's annual fee isn't worth it for you, you could request a downgrade to the no-annual-fee Chase Freedom Flex® or Chase Freedom Unlimited®. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Does the Chase Sapphire Preferred cover TSA PreCheck or Global Entry? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">No, the Sapphire Preferred Card doesn't come with a TSA PreCheck® or Global Entry credit. However, its sibling, the Chase Sapphire Reserve, does offer this feature. You can find more options in our guide to the <a target="_blank" rel="noopener" href="https://www.businessinsider.com/personal-finance/credit-cards/best-global-entry-tsa-precheck-credit-card" data-analytics-product-module="body_link">best credit cards with Global Entry and TSA PreCheck®</a> credits.</p> </div> </div> </div><h2 id="why-you-should-trust-us:-how-we-reviewed-the-chase-sapphire-preferred" data-toc-id="73a3e12b-bace-452f-8f53-2753be41d893" data-toc-label="Why You Should Trust Us: How We Reviewed the Chase Sapphire Preferred" class="toc-anchor">Why You Should Trust Us: How We Reviewed the Chase Sapphire Preferred</h2><p>We compared the Sapphire Preferred Card to similar travel rewards credit cards and assessed the card on various factors, including:</p><ul><li><strong>Ease of use —</strong> Does the card make it easy to earn and redeem rewards? Are there multiple options for using points?</li><li><strong>Rewards earning potential —</strong> Are there broad bonus categories that are useful to a wide range of customers, and are any of them capped at a certain amount of spending?</li><li><strong>Annual fee —</strong> Is the annual fee worth paying based on the card's rewards and benefits?</li><li><strong>Benefits —</strong> How do the card's perks, especially travel benefits, stack up against similar cards?</li></ul><p>Here's a full breakdown of <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/how-we-rate-credit-cards" data-analytics-product-module="body_link" rel="">how we rate credit cards</a> at Business Insider.</p><iframe data-src="https://products.gobankingrates.com/pub/bcf1f183-92e6-4401-ac5f-d7b47ca8c33c?targeting[subcategory]=creditcards&resize=1&ident=99&pub_inventory=credit-cards/chase-sapphire-preferred-card-review-pfi-credit-cards" data-indent="99" scrolling="no" frameborder="0" width="100%" style="min-width:300px;max-height:475px;"></iframe> <script async="" type="text/javascript" id="go-banking-resize"> window.addEventListener('message', onGoBankingResize, false); function onGoBankingResize(e) { { if (e.origin === 'https://products.gobankingrates.com' && e.data) { if (e.data.source && e.data.id && undefined !== e.data.height) { var id = 'iframe[data-indent="' + e.data.id + '"]'; var chosenFrame = document.querySelector(id); if (chosenFrame) { var height = e.data.height + 'px'; chosenFrame.style.height = height; } } } } } </script><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/katherine-fan" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="katherine-fan"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/62eaeb8326082a001825aa6c?crop=1:1&width=256&format=jpeg&auto=webp" alt="Photo of the author Katherine Fan"> <noscript> <img class="no-script" src="https://i.insider.com/62eaeb8326082a001825aa6c?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/katherine-fan" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Katherine Fan</div> </a> <div class="post-author_title headline-regular">Correspondent, Credit Cards</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Katherine Fan is a personal finance expert, journalist, and public speaker with almost 10 years of industry experience. She began her career in tech before transitioning to journalism in 2015. Katherine currently serves as Personal Finance Insider's correspondent for credit card coverage. Before joining Business Insider as Senior Editor of Credit Cards, Katherine covered aviation, award travel, loyalty programs, and credit cards as a senior reporter for The Points Guy, and small business finances as a lead writer for Nerdwallet. </span><span>Katherine has also freelanced for major media publications such as Bankrate, CreditCards.com, the Dallas Morning News, LendingTree, Upgraded Points, and Slickdeals Money. Her work has been syndicated by Nasdaq, MSN, and Yahoo. </span><span><span class="headline-semibold">Experience</span></span><span>Katherine has published more than 1,800 articles, guides, and reviews covering credit card benefits and rewards, small business finances, points and miles travel, loyalty programs, and real estate investing. </span><span>Katherine has been a speaker at TravelCon and a guest on multiple podcasts including NPR Life Kit, Expedia's Out Travel the System, and The Points Guy's Miles Away. In her spare time, Katherine moonlights as a photojournalist covering Formula 1, Austin City Limits, and SXSW for the Austin American-Statesman and other media outlets. When she's not jetsetting around the world, you'll likely find her in Austin cooking up a batch of spicy Chinese food.<span class="headline-semibold">Expertise</span></span><span>Katherine's expertise encompasses:</span><ul><li><span>Small business finances</span></li><li><span>Credit cards</span></li><li><span>Points and miles travel</span></li><li><span>Travel insurance</span></li><li><span>Real estate investing</span></li></ul><span>Katherine's interest in personal finance extends to her own interests. Despite a salary of just $28,000 a year from her first full-time job, Katherine built an excellent credit score of 805 from scratch through hard work [and privilege], which allowed her to purchase her first home six years after graduating from college. She's since added five more doors to her real estate portfolio, although she plans to retire on her index fund investments.Thanks to credit card travel rewards, Katherine has flown well over one million miles visiting 44 countries across all seven continents. She's sailed with orcas in Antarctica, flown home in first class from Japan, photographed a wedding at Hobbiton in New Zealand, and gone on safari in South Africa. But her most meaningful trips always bring her home to loved ones in Taiwan. <span class="headline-semibold">Education</span></span><span>Katherine holds dual degrees in photojournalism and Asian American studies from the University of Texas at Austin, and a certificate in business Chinese proficiency from National Taiwan University. She began her professional career in tech as a software sales executive for seven years before returning to her media roots. </span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/angela-fung" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="angela-fung"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/67885fee8951662c9f2076d5?crop=1:1&width=256&format=jpeg&auto=webp" alt="Angela Fung's face on a gray background."> <noscript> <img class="no-script" src="https://i.insider.com/67885fee8951662c9f2076d5?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/angela-fung" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Angela Fung</div> </a> <div class="post-author_title headline-regular">Marketing Compliance and Operations Manager</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Angela Fung is the marketing compliance and operations manager for Business Insider’s personal finance team. She is a personal finance expert and has been a part of Business Insider for nearly four years. </span><span><span class="headline-semibold">Experience</span></span><span>Angela leads the compliance team in identifying and reducing risk for readers, the editorial team, and external partners. Her team aims to provide readers with accurate, up-to-date information about financial products and maintain reader trust. She ensures regulatory and partner marketing guidelines are upheld for partners and adheres to the personal finance team’s <a href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards" rel="">editorial standards</a> so they can maintain editorial independence. </span><span>Angela likes helping readers better understand personal finance so that they can build a strong foundation for their financial plan and, hopefully, give themselves the freedom to do more in other facets of their lives.</span><span><span class="headline-semibold">Expertise</span></span><span>Angela has expertise in and oversees compliance in the following areas of personal finance:</span><ul><li><span>Personal credit cards</span></li><li><span>Business credit cards</span></li><li><span>High-yield savings accounts</span></li><li><span>CDs</span></li></ul><span>She also has a thorough knowledge of federal regulation for consumer financial protection. A few examples include:</span><ul><li><span>Regulation Z, Truth in Lending</span></li><li><span>Unfair, Deceptive, Or Abusive Acts Or Practices (UDAAP)</span></li><li><span>Regulation N, Mortgage Acts and Practices Advertising Rule</span></li><li><span>Endorsement Guidelines</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Angela graduated from the University of Chicago with a bachelor’s degree in neuroscience. </span><span>In her free time, she shoots lifestyle photography, volunteers at Meals for Unity, and plays tennis.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://secure.money.com/pr/u8327de6ed05" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/654be4c936d588dc55cd46e3":{"contentType":"image/png","aspectRatioW":1150,"aspectRatioH":304}}" alt="Sofi logo"> <noscript> <img class="no-script" src="https://i.insider.com/654be4c936d588dc55cd46e3?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://secure.money.com/pr/u8327de6ed05" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> SoFi® Checking and Savings (Member FDIC) </a> <span class="headline-semibold featured-product-sub-heading"> Earn up to a $300 bonus with qualifying direct deposits for eligible customers through 1/31/2026. Earn up to 3.80% APY on savings balances (including Vaults) with direct deposit or qualifying deposit. <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">SoFi members who enroll in SoFi Plus with Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi Plus members are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://secure.money.com/pr/u8327de6ed05" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> </section> <aside class="headline-regular financial-disclaimer non-affiliate-disclosure">The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex®. The details for these products have not been reviewed or provided by the issuer.</aside> <section class="category-tagline body-italic"> <div> <p class="body-italic"><p style="font-size:14px;"><em>Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. <a href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards">Read our editorial standards</a>.</em></p><p style="font-size:14px;"><em>Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.</em></p><p style="font-size:14px;"><em>**Enrollment required.</em></p></p> <p class="body-italic"><p style="font-size:10px;"><em>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.</em></p></p> <p class="body-italic"><p style="font-size:14px;"><em>***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.</em></p><p style="font-size:14px;"><em>For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. 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