Chase Sapphire Preferred® Card

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Card Details and Application Link
Chase Sapphire Preferred® Card
60K points
60K after $4K spend in 3 months
Click here to learn how to apply

$95 Annual Fee

A similar offer with the first year annual fee waived may be found in-branch. YMMV.

Recent better offer: 100K after $4K in purchases in the first 3 months

FM Mini Review: Great signup bonus. Unlocks ability to transfer points to hotel & airline partners. Solid option to pair with fee-free Ultimate Rewards cards such as the Freedom cards, Ink Business Cash, and Ink Business Unlimited.


Card Type: Visa Signature

Base
Travel
Dine
Other

Earning rate: 5X Travel booked through Chase (2X all other travel) ⚬ 3X Dining ⚬ 3X Select streaming services ⚬ 3X Online grocery ⚬ 5X Lyft (through March 2025)

Noteworthy perks: Primary auto rental collision damage waiver ⚬ Free DashPass through 2025 ⚬ Transfer points to airline & hotel partners ⚬ 10% annual point bonus ⚬ $50 annual credit for hotel stays booked through Chase (Those who opened card before 8/15/21 will have to wait until next account anniversary for this perk)

See also: Sapphire Preferred 100K Q&A: Everything you need to know

Until recently, the Chase Sapphire Preferred® Card’s perks were straightforward: 2 points per dollar for all travel & dining purchases, no foreign transaction fees, and primary rental car coverage for $95 per year.  As of August 16, 2021, though, Chase updated the earning structure and added new features:

  • 3x DiningStreaming Services, and Online Grocery (excluding Target, Walmart, and Wholesale Clubs).  “Online grocery” most likely means grocery ordering and delivery services like Instacart and Shipt.
  • 5x Travel Booked through Chase’s Travel Portal
  • 2x all other travel
  • 1x on all other purchases
  • 10% Anniversary point bonus: Each account anniversary, “earn bonus points that equal 10% of your total spend in points” based on spend in your cardmember year.
    Note: This adds an extra 0.1x to all of your spend.  If you spend $25,000 during the year, you’ll get 25,000 x .1 = 2,500 bonus points.  You do not get extra points based on bonus categories.  e.g. dining purchases (which will now earn 3x) effectively earn 3.1x not 3.3x thanks to this bonus.
  • $50 Hotel Credit: Each cardmember year, earn $50 back on hotels booked through Chase Ultimate Rewards.  The portion of this spend that is rebated will not earn Ultimate Rewards.  Those who have the card open before August 15, 2021, will have to wait until their next account anniversary after that date to begin earning this credit.

In my opinion, The Sapphire Preferred card’s earning structure is fine, but not particularly exceptional.  However, the card is a great choice for its welcome bonus and to unlock the ability to transfer Ultimate Rewards points to travel partners.  You can do well by using this card plus various fee-free Ultimate Rewards cards to earn 3X to 5X in various categories of spend and then move those points to the Sapphire Preferred so that you can then transfer the points to airline and hotel programs.

Chase Sapphire Preferred Application Tips

Chase Application Tips

  • Shut-Down Caution: Signing up for new Chase cards can lead to Chase reviewing your accounts. This may lead to Chase shutting down all of your accounts if you appear to be a credit risk. See this post for details and recommendations: Why Chase shutdowns have increased and how to avoid them.
  • 5/24 Rule: With most Chase cards, you won't get approved if your credit report shows 5 or more cards opened in the past 24 months. Details here.
  • 24/48 Month Rule: With most Chase cards, you can get the same card and bonus again 24 months after having received the bonus as long as you no longer have the card open. With Sapphire cards, you must wait 48 months. No wait is required for Chase Ink cards.
  • 30 Day Rule: It is tough to get approved for more than 2 Chase cards within 30 days
  • Get Same Card Again: You can get the same exact card and again if you first cancel the older card and follow the 24/48 month rule. Ink cards are OK to get again without cancelling previous card if you apply with a new business.
  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.
  • Hard inquiries combine into 1 when approved same day (not always true when mixing business and personal)

Call (888) 338-2586 to check your application status
If denied, call reconsideration here:1-888-270-2127 for both personal and business cards

Should you apply?

The Sapphire Preferred card usually has a terrific welcome bonus.  Interestingly, the Sapphire Preferred bonus is usually better than the bonus for the Sapphire Reserve.  For that reason, it can make sense to sign up for the Sapphire Preferred card even if you really want the Sapphire Reserve.  You should be able to upgrade to the Sapphire Reserve after year simply by calling Chase to request the product change.

If you are eligible (see next section), the welcome bonus on this card makes it a great choice.

Are you eligible?

To get this card you must be under 5/24, you must not be a current Sapphire Preferred or Sapphire Reserve cardholder, and at least 48 months must have passed since you last received a new cardmember bonus for the Sapphire Preferred or Sapphire Reserve card.

Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months.

To determine your 5/24 status, see: 3 Easy Ways to Count Your 5/24 Status. The easiest option is to track all of your cards for free with Travel Freely.

How to apply

You can find the current best welcome bonus offer and application link at the top of this page: Chase Sapphire Preferred.

Application status

After you apply, call (888) 338-2586 to check your application status.

Reconsideration

If your application is denied, I recommend calling for reconsideration (1-888-270-2127). It’s surprising how often denials can be changed to approvals just by asking.

Chase Sapphire Preferred Perks

Premium Ultimate Rewards

Since this is an ultra-premium Ultimate Rewards card, the following rewards are available:
  • Redeem Points for 25% More Value: Points are worth 1.25 cents each when used to book travel through the Ultimate Rewards portal or to erase statement charges via Pay Yourself Back.
  • Transfer Points to Partners: Points can be transferred one to one to a number of airline and hotel loyalty programs.

Travel Benefits

  • No foreign transaction fees
  • $50 Hotel Credit: Each cardmember year, earn $50 back on hotels booked through Chase Ultimate Rewards.  The portion of this spend that is rebated will not earn Ultimate Rewards.  Those who have the card open before August 15, 2021, will have to wait until their next account anniversary after that date to begin earning this credit.

Travel Protections


  • Auto Rental Coverage: Chase offers primary auto rental CDW (collision damage waiver). Here's the description directly from Chase: "Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad."
  • Trip Cancellation / Interruption Insurance: "If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels."
  • Trip Delay Reimbursement: "If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket."
  • Lost Luggage: Reimburses for costs incurred to repair or replace checked or carry-on bags and property within if loss or damage occurs during a covered trip.  Coverage is up to $3,000 per person per trip (or up to $500 for jewelry, watches, cameras, video recorders, and other electronic equipment).
  • Baggage Delay Insurance: "Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.
  • Travel Accident Insurance: When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $500,000

Purchase Protection

  • Extended Warranty: "Extends the time period of U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less."
  • Damage and Theft Protection: "Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account."

DoorDash Food Delivery Benefits


  • DashPass Free Delivery: Activate your free DashPass membership by 12/31/2021 in order to get 12 months of free delivery for DoorDash orders over $12.

Lyft Rideshare Benefits

  • 5X Rewards: Use your Sapphire Preferred card with Lyft in order to earn 5 points per dollar.  That's 3X points in addition to the 2X points you already earn on travel.

Chase Sapphire Preferred Earn Points

Signup Bonus

This card earns super-valuable Ultimate Rewards points. Here’s the current signup offer:

Card Offer
Chase Sapphire Preferred® Card
60K points
60K after $4K spend in 3 months

$95 Annual Fee

A similar offer with the first year annual fee waived may be found in-branch. YMMV.

Recent better offer: 100K after $4K in purchases in the first 3 months

Refer Friends

Referring friends is often a good way to earn extra points with Chase products, but referral offers come and go over time.  When referral offers are available, Chase sends emails to eligible cardholders with the offer details.  Cardholders can also look for Chase friend referral offers here.

Bonus Spend

Card Info Name and Earning Rate (no offer)
Chase Sapphire Preferred® Card
Base
Travel
Dine
Other
Earning rate: 5X Travel booked through Chase (2X all other travel) ⚬ 3X Dining ⚬ 3X Select streaming services ⚬ 3X Online grocery ⚬ 5X Lyft (through March 2025)

Chase Sapphire Preferred Redeem Points

Pay Yourself Back

Chase allows most Sapphire, Freedom, and Ink cardholders to “Pay Yourself Back”. The basic idea is that you can exchange your Chase Ultimate Rewards points for statement credits against certain categories of purchases. For example, at the time of this writing, Sapphire Preferred and Sapphire Reserve cardholders can redeem points, at full travel value, to offset Airbnb, dining, annual membership fee (Sapphire Reserve only) and select charity purchases. Ink Business Preferred, Ink Plus, and Freedom cardholders can also directly use this feature, but with much more limited categories. For most people, your best bet is to move points to a Sapphire Reserve or Preferred card in order to pay yourself back from there. Here’s the link to use this feature yourself.

Chase changes or renews the eligible categories every few months. When using this feature, Sapphire Reserve cardholders get 1.5 cents per point value and all other eligible cardholders get 1.25 cents per point value. Plus, cardholders earn points on the same purchases! More details about Chase's Pay Yourself Back feature can be found here.

Cash Back

Cardholders can redeem points for 1 cent each either as statement credits or as cash back. Cash back can be taken as a statement credit or via check or ACH transfer.

Travel

Redeem points for travel: 1.5 cents per point

This option requires that someone in your household has the ultra-premium Chase Sapphire Reserve card. First move (combine) points from your other Ultimate Rewards card to the Sapphire Reserve account. Next, log into Chase under the Sapphire Reserve account, and go to the Chase Ultimate Rewards portal to book your travel. A $500 flight would cost 40,000 points if you used points attached to a premium card (Sapphire Preferred or Ink Business Preferred), but with the Chase Sapphire Reserve it would cost only 33,333 points.

Redeem points for travel: 1.25 cents per point

This option is directly available to anyone with a premium Ultimate Rewards card: Chase Sapphire Preferred, Chase Ink Business Preferred, or the no-longer-available Ink Plus. If you have points with no-fee Ultimate Rewards cards, then move them first to your premium card. Next, log into Chase under the premium account, and go to the Chase Ultimate Rewards portal to book your travel. A $500 flight would cost 50,000 points if you used points attached to a no-fee Ultimate Rewards card, but with your premium card it would cost only 40,000 points.

Details about booking travel through Chase

You can use the Chase Ultimate Rewards portal to book airfare, hotels, cruises, activities, and car rentals. Airfare purchased through the portal still earns airline miles and elite qualifying miles.  Hotels booked this way do not earn hotel rewards.  Worse, hotels booked through the portal often won't offer you elite benefits even if you have status. Unfortunately, Chase switched to an Expedia-backed portal and removed some ultra low cost carriers. For example, you can no longer book Spirit Airlines or Southwest through Chase Ultimate Rewards.  There is a work-around for some carriers though.  Please see this post for details: How to book the cheapest flights with Chase Ultimate Rewards.

Travel protections apply

When you pay with points for travel, Chase's automatic travel protections do apply.  So, you can be covered for things like car rentals, trip delays, trip cancellation & interruption, lost luggage, etc.  The coverage you receive will be based on which card's rewards were used to book the trip. For example, if you have both a Chase Sapphire Preferred and a Sapphire Reserve, you would want to move your Ultimate Rewards points from the Preferred to the Reserve and then use the Reserve points to book your trip. You will get both better value (1.5 cents per point) and better travel protections.  See: Sapphire Reserve Travel Insurance.

Transfer points

The best use of Ultimate Rewards points, in my opinion, is to transfer points to airline and hotel partners in order to book high value awards.  Your best bet is usually to wait until you find a great flight or night award before transferring points. Points transfer at a ratio of 1:1 as shown in the list of transfer partners below. Keep in mind that while transfers are instantly posted to most loyalty programs, transfers to Singapore Krisflyer and Marriott Bonvoy are not instant.

Move points to premium or ultra-premium card first

You cannot transfer points directly from a no-fee Chase Ultimate Rewards card to airline and hotel partners, but you can move points first to a premium card (Sapphire Preferred or Ink Business Preferred, for example) or ultra-premium card (Sapphire Reserve) and then transfer the points to airline or hotel partners.  Points can be transferred to the loyalty accounts of the primary cardholder or any authorized user on the account. Points can also be transferred to the loyalty account of a joint business owner, but they do need to be an authorized user on the associated business account.

Transfer Partners

Rewards ProgramBest Uses
Aer Lingus AviosIberia offers very low award prices on their own flights. Round trip partner awards can offer good value under some circumstances as well. Fuel surcharges are often lower when booking with Iberia rather than British Airways. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar.  See also: Avios Sweet Spots for Award Tickets.
Air Canada AeroplanRedeem for Star Alliance flights and/or flights with Air Canada partners (such as Etihad). No fuel surcharges; $39 CAD award booking fee; 5,000 points to add stopover on one-way award. See: Air Canada Aeroplan: Everything you need to know.
Air France KLM Flying BlueMonthly Air France Promo Awards often represent very good value. Air France miles can be used to book Sky Team awards, including Delta awards. Air France often offers very good business class award pricing between the US and Europe & Israel.
British Airways AviosWhile flights on British Airways itself often incur outrageously high fuel surcharges, many BA partners charge low or no fuel surcharges. Excellent value can be had in redeeming BA points for short distance flights. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets.
Emirates SkywardsThe best use of Emirates miles has been to fly Emirates itself. Unfortunately fuel surcharges can be steep. See: Emirates Sweet Spot Awards - First class from 30K miles round trip.
HyattUse for Hyatt free nights, free suite nights, lounge upgrades, or suite upgrades. Hyatt points are often worth at least 1.5 cents each, but they’re sometimes worth far more. Bonus: award nights are not subject to resort fees.
Iberia AviosIberia offers very low award prices on their own flights. Round trip partner awards can offer good value under some circumstances as well. Fuel surcharges are often lower when booking with Iberia rather than British Airways. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar.  See also: Avios Sweet Spots for Award Tickets.
IHGIHG dynamically prices their awards and sometimes offer very good value. IHG credit cards can increase value: IHG Select Card (no longer available to new applicants) offers a 10% rebate on awards. IHG Premier, IHG Premier Business, and IHG Traveler Cards offer fourth night free on award stays.
JetBlueJetBlue points offer the most value when cheap ticket prices are available and when award taxes are high relative to the overall cost of the ticket (more details can be found here). The JetBlue Plus Card and the JetBlue Business Card offer a 10% rebate on awards, so you can get more value by holding one of these cards.
Marriott Bonvoy5th Night Free awards. Opportunities to get outsized value exist but can be hard to find.
Singapore Airlines KrisFlyerUse to book Singapore Airlines First Class awards (generally reserved for their own members), Alaska Airlines economy awards, or for Star Alliance awards (including United Airlines).
Southwest Rapid RewardsAward flights are fully refundable. Point values vary due to certain taxes not being charged on awards, but tend to average around 1.5 cents per point.
United MileagePlusUnited offers free award changes, and free cancelations 30+ days before departure. Like Avianca and Aeroplan, United never charges fuel surcharges for awards. Unfortunately, United charges many more miles for international first class awards. Good uses of miles include United's Excursionist Perk awards and (sometimes) dynamically priced United economy awards.
Virgin Atlantic Flying ClubVirgin Atlantic offers a few great sweet spot awards including ANA first class between the US and Japan for as low as 55K points one-way; and US to Europe on Delta One business class for 50K points one-way. See: Best uses for Virgin Atlantic points (Sweet Spot Spotlight).

Other ways to redeem points

Through the Ultimate Rewards portal you can redeem points for cash back, gift cards, merchandise, or experiences.  With this approach you'll usually get 1 cent per point value.  One exception is that Chase occasionally offers gift cards at a discount so you may be able to get better than 1 cent per point value during a gift card sale.
You can also use points to pay some merchants directly (Amazon.com, for example or via Chase Pay).  Don't do this.  These options offer very poor value. Further, they may compromise the security of your account (i.e. if someone hacks into your Amazon account, they might spend your Ultimate Rewards points - causing you a headache in getting your points reinstated).

Chase Sapphire Preferred Manage Points

Combine Points Across Cards

If you are the primary account holder with multiple cards, you can freely combine Ultimate Rewards back and forth between your accounts.  Your points can then be redeemed according to the card to which you move them.  For example, if you have the no-fee Ink Business Cash card and the ultra-premium Sapphire Reserve card, you can earn 5X points per dollar on office supply purchases (or on gift cards purchased at office supply stores) with the Ink Card and then move those points to your Sapphire Reserve account to redeem them for 1.5 cents per point towards travel.
If you intend to cancel a Chase Ultimate Rewards card, you should first combine your points with a card you intend to keep active. Once you cancel, you will forfeit any unused points in that account (See: My 90,000 Ultimate Rewards Points mistake). A product change should not affect your balance, but some people prefer moving points before a product change as well just to be safe.

Share Points Across Cardholders

Chase allows customers to transfer Ultimate Rewards points to any other account in that customer's name or to one additional household member or joint business owner (for free).
share Chase Ultimate Rewards with friends Why this is valuable:
  • You earn points with the card offering the best return on purchases and then use points with the card offering the best redemption rate.
  • Only one member of your household needs to maintain a premium card for transferring to partners or booking travel (though note that the primary cardholder can only transfer points to partner loyalty programs in the name of the primary cardholder or authorized users).

Transfer difficulties? Create a loop

If you have trouble transferring between accounts, some users have been able to combine points between their own accounts — like from Bob’s Ink Business Cash to Bob’s Sapphire Reserve — via secure message.
However, you may run into an issue if you try to connect more than one of your cards to a single card that belongs to someone else. Chase allows you to combine/transfer to someone else who lives in your household (or a co-owner of your business for business cards), but I’ve had complications with this from time to time.
For example, let’s say that Joe and Suzy live in the same household and are joint owners of a business and have the following accounts:

Joe first combines points from his Freedom Unlimited to Suzy’s Sapphire Reserve. Later, he logs into his Ink Business Cash account and tries to combine points with Suzy’s Sapphire Reserve. Joe may run into an error adding Suzy’s Sapphire Reserve card to combine points. This has happened in our household several times. In that case, Joe should log into his Freedom Unlimited account and remove Suzy as a household member (click “remove saved card). About 24 hours later, he should be able to add Suzy to his Ink Business Cash in order to combine his points to her account.
The easy solution I’ve found is to create a loop. In the example scenario they should transfer like this:
Joe’s Freedom Unlimited —> Joe’s Ink Business Cash —> Suzy’s Sapphire Reserve —> Joe’s Freedom Unlimited
Creating a loop chain has solved that problem in my household. As noted, it took 24 hours after removing accounts to re-add them to other cards, so be aware of that limitation.

How to Keep Points Alive

Thankfully, it is very easy to keep Chase Ultimate Rewards points alive: simply keep the points in an open Ultimate Rewards account and they will not expire. Note that if you close an Ultimate Rewards card, you will lose any points associated with that card. You should first combine points to move points away from the card you intend to close and to another card that will remain open as per the sharing section above before canceling. See: My 90,000 point Ultimate Rewards mistake. See also: A checklist for cancelling credit cards.

Chase Sapphire Preferred Lifecycle

How to meet minimum spend requirements

Once you are approved for a Chase card, you have three months to meet the required spend in order to get the signup bonus. If your usual spend isn’t enough, consider using the Plastiq bill pay service to use your card to pay bills that can’t usually be paid by credit card (rent, mortgage, contractors, etc.). Click here to find many more options for increasing credit card spend.

Keep, cancel, or product change?

Is this card worth keeping in the long run? The main reason to keep this card around long term is as a way to transfer points to airline and hotel programs. You can get that same capability from the Sapphire Reserve or Ink Business Preferred, so you may find that one of those cards fits your needs better.

Related Cards

Ultimate Rewards Consumer Cards

Card Offer and Details
Chase Freedom Flex
20K points + 5X grocery + 15 months 0% APR
Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 months + 5x Ultimate Rewards points on grocery purchases for 1st year (on up to $12K in purchases). 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74% - 24.49%.

No Annual Fee

Be sure to select the card you want after clicking through. This card is subject to Chase's 5/24 rule (click here for details). Even though this card is marketed as a cash back card, it actually earns Ultimate Rewards points which are redeemable for 1 cent each, or can be combined with other Ultimate Rewards-earning cards to get even more value. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Referral Offer:Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 months + 5x Ultimate Rewards points (worth 5% cash back) on gas purchases for 1st year (on up to $6K in purchases)

Recent better offer: 20K points + 5x grocery stores for the first year on up to $12K in qualifying purchases

FM Mini Review: Great for 5X and 3x categories and World Mastercard benefits. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred.


Card Type: Mastercard World

Base
Dine
Shop
Other

Earning rate: 5x travel booked through Chase ⚬ 5X Lyft through March 2025 ⚬ 3x dining ⚬ 3x drugstores ⚬ 5X in rotating categories on up to $1,500 spend per quarter. 2022 Q2: 5x Amazon and select streaming services

Noteworthy perks: Free DashPass for up to 3 months upon activation ⚬ Cell phone protection ⚬ Lyft credits

See also: Chase Ultimate Rewards Complete Guide

Chase Freedom Unlimited
20K points + 5X grocery + 15 months 0% APR
Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 months + 5x Ultimate Rewards points on grocery purchases for 1st year (on up to $12K in purchases). 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74% - 24.49%.

No Annual Fee

This card is subject to Chase's 5/24 rule (click here for details). Even though this card is marketed as a cash back card, it actually earns Ultimate Rewards points which are redeemable for 1 cent each, or can be combined with other Ultimate Rewards-earning cards to get even more value. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Referral Offer:Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 months + 5x Ultimate Rewards points (worth 5% cash back) on gas purchases for 1st year (on up to $6K in purchases)

FM Mini Review: Great for 3x categories and 1.5X everywhere else. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred.


Card Type: Visa Signature or Platinum

Base
Travel
Dine
Other

Earning rate: 5x travel booked through Chase ⚬ 5X Lyft through March 2025 ⚬ 3x dining ⚬ 3x drugstores ⚬ 1.5X everywhere else

Noteworthy perks: Free DashPass for up to 3 months upon activation

See also: Chase Ultimate Rewards Complete Guide

Chase Sapphire Preferred® Card
60K points
60K after $4K spend in 3 months

$95 Annual Fee

A similar offer with the first year annual fee waived may be found in-branch. YMMV.

Recent better offer: 100K after $4K in purchases in the first 3 months

FM Mini Review: Great signup bonus. Unlocks ability to transfer points to hotel & airline partners. Solid option to pair with fee-free Ultimate Rewards cards such as the Freedom cards, Ink Business Cash, and Ink Business Unlimited.


Card Type: Visa Signature

Base
Travel
Dine
Other

Earning rate: 5X Travel booked through Chase (2X all other travel) ⚬ 3X Dining ⚬ 3X Select streaming services ⚬ 3X Online grocery ⚬ 5X Lyft (through March 2025)

Noteworthy perks: Primary auto rental collision damage waiver ⚬ Free DashPass through 2025 ⚬ Transfer points to airline & hotel partners ⚬ 10% annual point bonus ⚬ $50 annual credit for hotel stays booked through Chase (Those who opened card before 8/15/21 will have to wait until next account anniversary for this perk)

See also: Sapphire Preferred 100K Q&A: Everything you need to know

Chase Sapphire Reserve Card
80K Points
80K after $4K spend in 3 months

$550 Annual Fee

FM Mini Review: Excellent all-around card for frequent traveler. Best when paired with no-fee Chase Freedom Flex, no-fee Freedom Unlimited & no-fee Chase Ink Cash


Card Type: Visa Infinite

Base
Travel
Dine
Other

Earning rate: 10X hotels & car rentals booked through Chase ⚬ 10X Chase Dining ⚬ 5X flights booked through Chase ⚬ 3X Travel and Dining ⚬ 10X Lyft (through March 2025)

Noteworthy perks: $300 Annual Travel Credit ⚬ Points worth 1.5 cents each towards travel or Pay Yourself Back ⚬ Transfer points to airline & hotel partners ⚬ Primary auto rental collision damage waiver ⚬ Priority Pass Select lounge access ⚬ $100 Global Entry fee credit ⚬ $5 monthly DoorDash in-app credit through December 2024 ⚬ Free DashPass through 2025 ⚬ Earn 10X on Lyft spend⚬ Free Lyft Pink All Access Memberhsip through December 2024

See also: Chase Ultimate Rewards Complete Guide

Ultimate Rewards Business Cards

Card Offer and Details
Chase Ink Business Preferred Card
100K points
100K after $15K spend in 3 months

$95 Annual Fee

See: How to sign up for Chase Ink cards

Recent better offer: 80K after $5K spend. Many preferred the 80K offer due to the much lower spend requirement

FM Mini Review: Great card for signup bonus and 3X categories. Also consider the fee-free Ink Business Cash for its 5X categories, and the fee-free Ink Business Unlimited to earn 1.5X everywhere.


Card Type: Visa Signature Business

Base
Travel
Phone
Biz
Other

Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year) ⚬ 5X Lyft through March 2025

Noteworthy perks: ⚬ Points worth 25% more when redeemed for travel ⚬ Transfer points to airline & hotel partners ⚬ Cell phone protection against theft or damage

See also: Chase Ultimate Rewards Complete Guide

Ink Business Cash® Credit Card
90K points
Best Offer Ever - 90K after $6K spend in 3 months

No Annual Fee

See: How to sign up for Chase Ink cards

Recent better offer: None. This is the best we've seen.

FM Mini Review: This one should be in everyone's wallet. Incredible signup bonus for a no-fee card. Great card for 5X categories. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred.


Card Type: Visa Signature Business

Base
Dine
Gas
Phone
Office
Other

Earning rate: 5X office supplies ⚬ 5X cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ⚬ 2X on the first $25K in combined purchases at gas stations and restaurants each cardmember year ⚬ 5X Lyft through March 2025

See also: Chase Ultimate Rewards Complete Guide

Ink Business Unlimited® Credit Card
90K points
Best Offer Ever - 90K after $6K spend in 3 months

No Annual Fee

See: How to sign up for Chase Ink cards

Recent better offer: None. This is the best we've seen.

FM Mini Review: Great signup bonus for a fee-free card. Good option for earning 1.5X everywhere. Good companion card to Ink Business Preferred, Sapphire Reserve or Sapphire Preferred.


Card Type: Visa Signature Business

Base
Other

Earning rate: 1.5X on all purchases ⚬ 5X Lyft through through March 2025

See also: Chase Ultimate Rewards Complete Guide

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MalMel

I applied (via your link) for Chase Sapphire Preferred. After filling out all info, it spun and spun, said it would time-out if I don’t click to continue. This happened several times, it finally timed out for good.I have never seen this behavior before. Should I re-apply and start over? Could it be related to using DuckDuckGo?

MalMel

Success today! I applied online using Chrome, got the “we will let you know” message. Called reconsideration line and in about 2 minutes was approved. Just needed to move some of the credit limit from a Freedom card to the Preferred.

MikeA

How long after you applied did you call the reconsideration line and get them to approve your app? I applied two days ago and when I call the reconsideration line the automated message says my application is still pending.

rj123456

Is the in-branch offer with $50 groceries and $0 AF also up to 100K points?
Will Chase match to this if you are still in the process of meeting the SUB spend for that offer?

[…] good to go.  For example, points acquired through the Chase Freedom card can be moved to a Chase Sapphire Preferred account and then transferred to airline or hotel […]

[…] Sign up for the fee-free Chase Sapphire Preferred card.  This offers both a great welcome bonus and the ability to redeem points at better than 1 cent […]

[…] Chase Sapphire Preferred: Earn 2X Ultimate Rewards points for travel & dining. Points worth 1.25 cents each towards travel.  Points are transferable to a number of airline and hotel programs. If you decide later that you want the Sapphire Reserve card, it still makes sense to start with the Sapphire Preferred card (since it has a higher intro bonus) and then upgrade to the Sapphire Reserve a year later. […]

[…] Chase Sapphire Preferred Application Tips […]

[…] We still don’t think this is a great time to sign up for Southwest cards considering the Sapphire Preferred 80K offer and because it’s a bad time to plan for a Companion Pass, but if you’re heart was set […]

[…] Chase is offering a whopping 80,000 points for the lesser Sapphire Preferred card.  Even though points on this card are worth less towards travel (1.25 cents), this offer still […]

[…] If neither of the above happen, then you’re better off applying directly (Our application link can be found here. Thanks!) […]

[…] I speculate that we’ll also see some type of enhancements on the Chase Sapphire Reserve and Chase Sapphire Preferred in the coming weeks to keep those cards relevant. That old Freedom card will soon be replaced in […]

[…] long-time rewards enthusiasts. One could get a more valuable bonus with a Chase Sapphire Reserve or Chase Sapphire Preferred and later product change to a Freedom or Freedom Unlimited. Alternatively, those who would consider […]

[…] has reported some data points indicating that it is possible for one person to hold both the Chase Sapphire Preferred and Chase Sapphire Reserve card at the same time. I don’t think most people would be […]

[…] Chase Sapphire Preferred cardholders will be able to redeem points towards a statement credit used to offset purchases at grocery stores, home improvement stores and dining establishments from May 31 through Sept. 30 at a value of 1.25c per point. […]

[…] points since they can transfer 1 to 1 from Chase points if they have the Chase Sapphire Reserve, Sapphire Preferred, Ink Plus, or Ink Business Preferred […]

[…] Chase Sapphire Preferred: 3x […]

[…] or Sapphire Reserve in order to sign up for either card again.  So, if you sign up now for the Sapphire Preferred 60K offer, you’ll be out of luck if Chase later reintroduces their 100K offer for the Sapphire […]

[…] If you want the Sapphire Reserve you might be better off applying for a different card… the Sapphire Preferred.  It should then be possible to upgrade to the Sapphire Reserve […]

[…] the perks I consider most valuable.  For full details about card perks and more, see our guides to Chase Sapphire Preferred and Chase Sapphire […]

[…] Sapphire Reserve: Earn 3X Ultimate Rewards points for travel & dining. Points worth 1.5 cents each towards travel.  Points are transferable to a number of airline and hotel programs. It may make sense to start with the Sapphire Preferred card (since it has a higher signup bonus) and then upgrade to the Sapphire Reserve later. […]

[…] Sapphire Reserve: Earn 3X Ultimate Rewards points for travel & dining.  Points worth 1.5 cents each towards travel.  It may make sense to start with the Sapphire Preferred card (since it has a higher signup bonus) and then upgrade to the Sapphire Reserve later. […]

[…] Sapphire Preferred:  This one has a lower annual fee ($95) and offers free authorized user cards.  2X for travel & dining. Points are worth 1.25 cents each towards travel.  Points can be transferred to airline and hotel partners.  Very good automatic travel protections (including primary rental car collision waiver), but not as good as the Sapphire Reserve.  One of the best features of this card is that you should be able to upgrade it seamlessly to the Sapphire Reserve if you ever need the extra features of that card. […]

kayexelate

If I have the chase business ink preferred, can I change products to the Chase Sapphire Preferred Card (or another chase card) and receive the sign up bonus?

kayexelate

Would changing product and then signing up for the Ink Business preferred again circumvent any rules (24 months between sign on bonuses for the same card, or 5/24, etc) ? or would that be no different than just closing the Ink Business preferred card, waiting 24 months after I received my 80k bonus points and then signing up again?

[…] points per dollar for all spend. Pair either one with a premium card (e.g. Sapphire Reserve, Sapphire Preferred, Ink Business Preferred, etc.) to transfer points to several airline or hotel […]

[…] That’s because you’ll either get 1.25c per point in value towards flights with the Chase Sapphire Preferred or 1.5c per point with the Chase Sapphire Reserve. You could alternatively transfer Ultimate […]

[…] option requires that someone in your household has a premium Ultimate Rewards card: Chase Sapphire Preferred or Chase Ink Business Preferred.  First move (combine) points from your Ink Business Cash card […]

[…] available online. See our Chase Sapphire Preferred card page to learn more and find a […]

[…] Chase Sapphire Preferred, Ink Business Preferred, or Ink Plus: 1.25 cents per mile.  Each of these Chase cards offer 1.25 cents per point value towards travel booked through the Chase Ultimate Rewards portal.  When you transfer points to airline miles or to hotel programs, you are giving up 1.25 cents in travel per resulting mile. […]

[…] Pay though December 31, 2018 when you pay via those apps with your Chase Freedom Unlimited, Chase Sapphire Preferred, Chase Sapphire Reserve, or Amazon Rewards or Amazon Prime cards. That is in addition to any […]

[…] bonus Ultimate Rewards points when you spend $50 or more on a Chase Sapphire, Sapphire Preferred, or Sapphire Reserve card (Direct […]

[…] want to unlock the power of those points as Ultimate Rewards, you’ll need to have a premium (Chase Sapphire Preferred or Ink Business Preferred) or ultra-premium (Chase Sapphire Reserve) card. Thankfully, it’s […]

[…] looking at the 60K bonus as its $600 cash value or even $750 value when used towards travel with a Sapphire Preferred card or $900 when used for travel with a Sapphire Reserve card, I think this bonus isn’t all […]

[…] Ultimate Rewards points per dollar for all spend. Pair with a premium card (e.g. Sapphire Reserve, Sapphire Preferred, Ink Business Preferred, etc.) to transfer points to several airline or hotel […]

[…] Chase Sapphire Preferred ($95/year) 1X base, 2X travel & dining […]

[…] a direct link to this offer on our Best Offers page or a link and more information on our Chase Sapphire Preferred […]

[…] Ultimate Rewards portal or send them to Chase transfer partners via any of the premium Chase cards (Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred) makes it an incredible deal in my […]

[…] joint business owner (e.g. from your Freedom to your Sapphire Reserve or from your partner’s Sapphire Preferred to your Ink Business Preferred, etc). We have received a report from a trusted source that Chase is […]

[…] Chase Sapphire Preferred: 2X Travel & […]

[…] points to a premium card (Sapphire Preferred, or Ink Business Preferred, for example) and purchase travel through the Chase Ultimate Rewards […]

[…] Ultimate Rewards if you were targeted for the promotion. The email shown above was received by a Chase Sapphire Preferred holder, but reddit also has reports of Chase Freedom and Chase Freedom Unlimited holders receiving […]

[…] our Best Offers page or our Chase Sapphire Preferred card page for more information and a link to this […]

[…] for travel.  Popular cards that do this include Chase Sapphire Reserve (1.5 cents per point), Sapphire Preferred and Ink Business Preferred (1.25 cents per point), Citi Premier (1.25 cents per point), and US […]

[…] Chase Sapphire Preferred […]

[…] partner, or another in your household has a premium Chase Ultimate Rewards card (Sapphire Reserve, Sapphire Preferred, Ink Business Preferred), you can move your points to that account and then get better value from […]

[…] no longer sign up for a second Sapphire card.  Previously it was possible to sign up for both the Sapphire Preferred and Sapphire Reserve cards in order to get both signup […]

[…] Chase Sapphire Preferred: 50K after $4K spend in 3 months + 5K for adding authorized user […]

[…] Chase Sapphire Preferred: 55K points. 50K after $4K spend + 5K for adding an authorized user […]

[…] a couple of terrific referral offers for those who refer friends to the Chase Freedom card or the Chase Sapphire Preferred. Both offers may be targeted, but it is worth checking to see if you have them […]

[…] I could have gotten a maximum of $2,000 in value out of my 160,000 Ultimate Rewards points as a Chase Sapphire Preferred holder — redeeming at 1.25 cents per point). By instead transferring my points to United and […]

[…] Ultimate Rewards points per dollar for all spend. Pair with a premium card (e.g. Sapphire Reserve, Sapphire Preferred, Ink Business Preferred, etc.) to transfer points to several airline or hotel […]

[…] Points can be transferred from premium Chase Ultimate Rewards cards including Sapphire Reserve, Sapphire Preferred, and Ink Business Preferred.  If you have points in a no-fee card, you can move those points first […]