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Chase Sapphire Preferred® It's the ideal choice if you're looking to transform your expenses into real travel experiences. Here's how to make the most of it.
Earn More with Chase Sapphire Preferred®
The card Chase Sapphire Preferred® It is designed for those who want more from their credit card.
Turn your everyday shopping — especially in categories like restaurants and travel — into valuable points that you can redeem for unforgettable experiences.
Reward rates by category:
- 5x points en viajes reservados a través de Chase Travel™
- 3x points in restaurants (including delivery)
- 3x points on selected streaming services
- 2x points in other travel expenses
- 1x point on all other purchases
Welcome Bonus: 60,000 points after spending $4,000 in the first 3 months.
Value: equals $750 on trips if you use points on the Chase portal.
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Travel Benefits and Protections Included
Chase Sapphire Preferred® not only rewards your travels—it also protects you while you travel. These benefits come automatically activated, without having to register or pay extra:
- $50 annual credit in hotels reservando con Chase Travel™
- Trip cancellation/interruption insurance: up to $10,000 per person
- Refund for travel delay: up to $500 per ticket
- Primary insurance for rental cars
- Baggage Delay Coverage: up to $100/day for 5 days
- 24/7 Global Emergency Assistance
These benefits can save you hundreds of dollars in unexpected expenses during your travels.
Chase Sapphire Preferred®
Flexible and Smart Redemption Options
One of the biggest attractions of this card is its versatile rewards systemYou can easily redeem points and get even more value if you use them wisely:
- 25% more value al canjear viajes en el portal de Chase Travel™
- 1:1 Transfers to airlines and hotels such as United, Southwest, JetBlue, Hyatt and Marriott
- Cash refunds, gift cards or credit on the statement
- Pay Yourself Back®: Multiply the value of your points on selected purchases
Advice: Transferring points to travel partners can give you even greater value, especially on international flights or luxury stays.
No Commissions for Purchases Abroad + Good Conditions
If you're traveling outside the U.S., this card is a great ally. Unlike other cards, does not charge a commission for foreign transactions (usually 3%).
Annual fee: $95
Variable APR: 20.49%–27.49%, depending on your credit history
No international commissions
If you travel at least once a year or eat out frequently, you'll easily recoup the annual fee.
Comparison with Other Cards
Comparing before applying is key. Cards like Capital One Venture either Citi Premier® They offer similar rewards, but many:
- They lack robust travel insurance
- They have fewer transfer partners
- They require more spending to redeem points with good value
Chase Sapphire Preferred® maintains balance:
Travel protections included
Excellent bonus categories
1:1 transfers to more than 10 partners
Access to Chase Offers and Pay Yourself Back®
All this for an annual fee very inferior to other premium cards that exceed $395.
Strategies to Get the Most Out of Your Card
Make the most of every dollar with these strategies:
- Use the card to travel and restaurants: are the categories with the highest return.
- Book hotels with Chase Travel to obtain the annual credit of $50.
- Transfer points intelligently to partners with special promotions.
- Pair with Chase Freedom® cards and transfer points to Sapphire for greater value.
- Take advantage of rotating offers from Chase Offers and Pay Yourself Back®.
With strategic use, you can double or triple the value of the annual fee.
Who Should Get the Chase Sapphire Preferred®?
This card isn't for everyone, but it's perfect for certain profiles. If you identify with any of the following, this card may be an excellent choice:
Occasional or frequent travelers: If you take at least one trip a year, the travel benefits and additional redemption value easily cover the annual fee.
Food lovers: Earn 3x points at restaurants, including delivery, making every meal a chance to earn rewards.
Streaming platform users: With 3x points on select services, it also rewards your leisure time at home.
People planning big trips or celebrations: Thanks to the welcome bonus and the ability to accumulate points quickly, you can cover a significant portion of your spending with rewards.
Existing Chase cardholders: If you already use cards like the Chase Freedom Unlimited®, you can combine points and maximize the value by transferring them to your Sapphire Preferred®.
Note: It's not the best option if you don't travel, don't eat out often, or prefer cards with no annual fee. In that case, you might consider a basic cashback card.
Tips for New Chase Sapphire Preferred® Members
If you've just gotten your card or are considering applying for one, these practical tips will help you get off on the right foot:
Activate your card and set up your online account immediately.
Access your Chase dashboard to monitor your points, spending, and exclusive offers. You can also set up alerts, set up automatic payments, and review active promotions.
Plan your first $4,000 of spending
Take advantage of the welcome bonus by planning your large or recurring purchases—such as insurance, annual subscriptions, airline tickets, or appliances—within the first three months.
Download the Chase app
From the app, you can track rewards, view bonus categories, activate Chase Offers, and transfer points. All from your phone, wherever you are.
Activate Chase Offers frequently
You can earn additional cashback at participating stores and restaurants. This is money you'd otherwise lose if you don't activate it manually.
Combine with other Chase cards for more value
If you have a card like the Chase Freedom Flex®, you can maximize Chase's "trifecta" by transferring accumulated points toward your Sapphire Preferred® and taking advantage of premium redemptions.
Explore 1:1 transfer alliances
Some airlines and hotels allow for point values exceeding 2 cents per point. This means that 60,000 points could be worth more than 1,000 points if used wisely.
Expert advice: Before redeeming, check to see if the Chase travel portal or a transfer to a partner offers a better value. Direct redemption isn't always the best option.
Common Errors When Using Chase Sapphire Preferred® (and How to Avoid Them)
Even with a card as powerful as this, many users don't take full advantage of its potential. Here are the most common mistakes—and how to avoid them:
Not reaching the minimum spending for the bonus
If you don't spend the $4,000 points in the first 3 months, you'll lose the 60,000 welcome points. Plan your large expenses (such as insurance, furniture, or travel tickets) to meet the requirement without going into debt.
Redeem points for less value
Muchos usuarios canjean por tarjetas de regalo o reembolsos en efectivo, pero eso reduce el valor por punto a cerca de 1 centavo. Canjear en Chase Travel™ o transferir a aerolíneas puede duplicar ese valor.
Do not activate or review Chase Offers
These offers change regularly and include discounts on popular brands. Very easy diagram of activities and losing money.
Do not use in foreign purchases
The absence of international fees makes this card ideal for travel outside the US. Using another card that charges 3% is wasting money.
Do not check the transfer parameters
Ignoring the 1:1 partners means losing your voices and accommodations that you would practically enjoy. Some of the best values are precisely to understand how these partners work.
Ignore the credit of $50 in hotels
Esse benefício é anual, mas só é válido se você reservar através do Chase Travel™. Esquecer de usá-lo é desperdiçar parte do valor da anuidade.
Tip: Review your expenses monthly, activate alerts and read Chase emails with promotions — they often have transfer bonuses or cashback in specific categories.
Is Chase Sapphire Preferred® Worth It?
Yes. This card remains one of the best rewards options for those who want to travel, earn points, and enjoy benefits. without paying premium prices.
- Valuable rewards
- Flexible exchange
- Solid protection
- And an excellent welcome bonus
Perfect for those who are starting to travel more either seek to maximize their daily expenses. It is also ideal as a previous step if you later want to level up to Chase Sapphire Reserve®.
👉 Apply today on the official Chase website and see if you qualify.