Chase Sapphire Preferred Credit Card

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Chase Sapphire Preferred Credit Card is for those who want more than a basic card. It delivers everyday value with clear and useful benefits.

Backed by Chase’s solid reputation, it offers peace of mind and practical perks you can actually use.

Looking for a card that pays off without complications? Keep reading—you may have just found it.

About the Issuer

Chase is one of the largest and most respected banks in the U.S., known for strong customer service and modern security systems. It’s a reliable name in the financial world.

The bank also stands out for its user-friendly digital tools and travel reward programs, making it easy to manage your card through the website or mobile app.

As the issuer of the Chase Sapphire Preferred Credit Card, Chase ensures secure transactions, accessible support, and a smooth rewards experience for its cardholders.

Card Benefits

Welcome Bonus (75,000 Points): Earn 75,000 points after spending $5,000 in the first 3 months—enough for flights, hotels, or statement credits, making it one of the most valuable welcome offers available.

Bonus Points by Category: Earn 5× points on travel booked through Chase Travel and 3× on dining, streaming, and online groceries—ideal for maximizing rewards on your everyday spending.

$50 Annual Hotel Credit: Automatically get up to $50 in credit each year when booking hotels through Chase Travel—saving you money every time you plan a stay.

Travel Protections: Enjoy comprehensive travel coverage, including $500 for delays, baggage protection, and up to $10,000 per person for cancellations or interruptions due to covered reasons.

Rental Car Insurance: Receive primary coverage for theft or damage on rental vehicles—no need to pay for insurance at the counter or deal with reimbursement delays.

No Foreign Transaction Fees: Shop or travel abroad freely, knowing you’ll never pay extra fees for purchases made in a different currency—perfect for international use.

Purchase Protection: Get up to $500 in coverage per item for accidental damage or theft within 120 days of purchase—ideal peace of mind for your new buys.

Anniversary Bonus Points: Automatically earn a 10% bonus on the total points you’ve collected during the year—adding even more value to your everyday purchases.

Chase Sapphire Preferred Credit Card – Rates and Fees

The annual fee for the Chase Sapphire Preferred Credit Card is $95. The purchase APR ranges from 19.99% to 28.24% (variable), depending on your creditworthiness. Cash advances come with an APR of 29.24% and a fee of $10 or 5% per transaction.

For balance transfers, there’s a fee of $5 or 5% of the amount transferred, whichever is greater. There are no foreign transaction fees, making the card great for international use. Late or returned payments may result in fees of up to $40.

Note: All rates and fees are subject to change at any time without prior notice. Please check the official Chase website for the latest details.

Credit Limit

Credit card limits vary widely and are determined based on each applicant’s unique financial profile. The Chase Sapphire Preferred Credit Card considers several factors when assigning your initial limit.

These factors may include your income, payment history, existing debt, account history, and the number of current credit accounts. Over time, responsible use may lead to automatic or requested credit limit increases.

Positive points

  • Generous Welcome Bonus:
    Earn 75,000 points after meeting the minimum spend, enough for major rewards.
  • Bonus Categories:
    Earn extra points on travel, dining, streaming, and online groceries—your most frequent expenses.
  • No Foreign Transaction Fees:
    Use the card internationally without paying extra fees on purchases abroad.

Negative points

  • Annual Fee:
    Comes with a $95 yearly fee, which may not suit all budgets.
  • No Lounge Access:
    Unlike premium cards, it doesn’t include airport lounge privileges.
  • High APR Range:
    Interest rates can be high if you carry a balance month to month.

How to Apply for the Chase Sapphire Preferred Credit Card

  1. Visit the official Chase website
  2. Click on “Apply Now.”
  3. Log in or apply as a guest.
  4. Fill in your personal information, income, and contact details.
  5. Submit the application and wait for instant approval.
  6. Once approved, receive your physical card by mail.
  7. Activate your card and register it online or in the Chase app.
YOU WILL CONTINUE ON OUR WEBSITE

How to Contact Chase

Need help or have questions? Here’s how to reach them:

  • Phone: 1-800-436-7970
  • Customer Service (SAC): 1-800-432-3117
  • Email: Via Chase Online Secure Message Center
  • Online Chat: Available through the Chase app or website

The Chase Sapphire Preferred Credit Card combines valuable rewards, strong protections, and low international costs, all in one solid card. It’s a great choice for anyone who wants real value and benefits without complicated terms.

Ready to earn more with every swipe? Apply for your Chase Sapphire Preferred Credit Card and experience the difference.

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Posted on Jul 2, 2025 at 1:17 PM

Felipe Camilo

With over 7 years of experience in writing and content marketing, I focus on delivering informative and optimized blog content that meets both reader needs and search engine standards. I help businesses grow by creating clear, concise, and actionable articles that drive conversions and build brand authority.