He CHASE SAPPHIRE PREFERRED® card (see rates and rates) is the card that was made Travel rewards accessible to the masses.
It does not have to be rich or a business traveler to win part of the most valuable and versatile points. With the preferred sapphire, all he had to do was build a solid rewards strategy, and free flights and hotels would be his.
But with increasing competition and More premium card optionsWe wanted to see how well preferred the Zafiro Chase has resisted the test of time. This is what we find.
Related: Review of the preferred credit card by Chase Sapphire
Winning points and channels
He Chase Sapphire preferred It is a medium -level travel rewards card with an annual rate of $ 95. It comes with a welcome bonus of 100,000 bonus points after spending $ 5,000 on purchases in the first three months of opening the account.
According to the TPG in April 2025 ValuationsChase Ultimate Rewards Points in 2.05 cents each, which makes this offer worth $ 2,050.
In addition to the registration bonus, Get rewards to the following rates:
- 5 points per dollar on trips when reserved through Chase Travel℠
- 3 points per dollar in shopping purchases, selected transmission services and purchases of online groceries (excluding Target, Walmart and wholesale clubs)
- 2 points per dollar on all other trips
- 1 point per dollar in everything else
Chase is known by the broad that defines these bonus categories. For example, Travel purchases They are not limited to flights and hotels: they also include Transport services, Public transport and some parking rates. In the same way, the meal category It includes food delivery services, providing many opportunities to accumulate points.
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He has two main options to redeem his points for traveling. If your goal is simplicity, you can use your points to reserve any trip directly through Chase Travel at a fixed speed of 1.25 cents per point. You can mix points and effective if you do not have enough points to cover your entire trip.
Another benefit of reserving directly with Chase is that you can accumulate bonus and elite rating miles with the airline that is flying. These reditions are encoded as cash tickets and generally gain miles.
If, on the other hand, your goal is to squeeze maximum value outside its persecution pointsYou will often be better moving your points to one of the 14 of Chase Airlines and Hotels Partners.
These partners cover the three main airline alliances (Star alliance, Oneworld and Skyteam) and three of the largest hotel chains. So, it doesn’t matter where you travel, your points help you get there and stay there.
Related: How long does the Chase Ultimate rewards take to transfer to partner programs?
Travel benefits
Beyond Chase’s travel reserve options, this card offers many benefits. First and main, Cobra There are no foreign transaction rates.
It is good when your travel plans go out without problems, but delays and cancellations are inevitable. When things do not go as planned, you Preferred sapphire card You can come to the rescue with some generous travel benefits.
Travel delay insurance It is at the top of the list. If your flight is delayed in 12 hours or more or requires a stay during the night, you can receive a reimbursement of up to $ 500 to cover food, accommodation and local transport.
And if you The trip is canceled For illness, climate or other covered situations, you can receive a reimbursement of up to $ 10,000 per covered traveler and $ 20,000 per trip for non -refundable expenses and prepaid, such as tours, hotels and plane tickets.
Finally, if you The bag is delayed Six hours or more, you can receive a reimbursement of up to $ 500 ($ 100 per day for five days) for essential purchases such as clothing and dressing tables.
Related: Your guide for the Chase’s travel insurance coverage
There are others Less known sapphire benefitsas primary Automobile rental, But the conclusion is that this card supports when things go wrong along the way.
Chase also offers associations about preferred sapphire, as a complementary DashPass DashPass membershipwhich offers at least one year of unlimited free food delivery. Normally valued at $ 9.99 per month, DashPass customers receive lower service rates and free delivery in all orders of more than $ 12.
Zafiro card holders can be registered at any time before December 31, 2027. And card holders with activated DashPass membership also receive up to $ 10 discount in each calendar month when payable, convenience or other order of non -resources in Dordash.
Combine with other persecution cards
It is possible that you have already begun to collect final rewards points, one of the most valuable and versatile loyalty coins. While you are eligible to request the Preferred sapphire (More about that below), owner of this card can strengthen your existing chase card collection.
The non -annual rate CHASE FREEDOM FLEX® (see rates and rates) and CHASE FREEDOM UNLIMITED® (see rates and rates) They are valuable Cash return cards. But if he also has a Ultimate Profit Rewards card, such as the preferred chase sappire, the CHASE SAPPHIRE Reserve® (see rates and rates) or the Ink Business Prefered® credit card (see rates and rates), Your freedom cards become even more rewarding.
Freedom flex earns 5% cash refund (5 points per dollar) in its first $ 1,500 spent on Rotating quarterly bonus categories (Activation is required). Meanwhile, Freedom Unlimited wins at least 1.5% cash refund (1.5 points per dollar) in purchases, so it is a large card for those new in the world of credit cards and awards trips.
The cash refund obtained from these cards is issued in the form of points worth 1 penny each. You can redeem your points for cash return or transfer them to your Chase Sapphire preferred and turn them into final transferable rewards points, rather than duplicate their value.
You will find that the favorite is also well combined with the persecution of non -annual rates Ink Business Cash® Credit Card (see rates and rates). This card earns 5% of the first $ 25,000 spent on combined purchases in office supplies and cell phone television services, landlines, internet and cable in each year account. Once you move those points to your favorite sapphire, that takes your return to more than 10%, according to May of TPG in May 2025 Valuations.
Who should wait to prefer the sapphire Chase?
Nick EwenA senior editorial director of TPG has presented a convincing case of why The preferred chase sapphire should be your first card. Unfortunately, not everyone can get this card, so we examine who should contain the preferred Chase Sapphire.
The infamous 5/24 rule
Chase has a 5/24 rule To combat the battle of credit cards and attract long -term customers.
In a nutshell, it will be automatically rejected by any persecution cards, including the preferred sapphire, if you have opened five or more cards in the last 24 months. If this applies to you, do not waste time requesting the preferred sapphire: you will not qualify and receive a hard research In your credit report.
Current Chase sapphire card holders
If you have received a registration bonus from another Chase Sapphire card in the last 48 months, it will not be eligible for the current bonus in the favorite:
This product is not available for (i) current corjets of any Sapphire credit card or (ii) previous corjetos of any sapphire credit card that received a new edge bonus in the last 48 months.
If this applies to you, you should not apply until you are out of this 48 -month window.
Is Ultimate Rewards the best program for you?
As mentioned above, the Ultimate Rewards program provides access to a Large range of loyalty programs for airlines and hotels. However, there are certain circumstances in which one of those programs may not be suitable for you.
For example, if you live in a center of American Airlines such as Miami International Airport (MIA) or Charlotte Douglas International Airport (CLT) and mainly long -distance international flights to Europe, you may not get a great value of a great value of British Airways Club either Iberia Plus Clubwhich are the only transfer partners of OneWorld in Ultimate Rewards. Similarly, if you are a loyal to Hilton, the ability to transfer points to Hyatt might not excite you so much.
On the other hand, I am a loyal booklet of American Airlines that has never redeemed the final rewards for hotels, but still find immense value in the program. Remember, you can always book travel through Chase Travel and hook the redemption bonus of 25% of points. Therefore, analyze your travel habits and see if the branch could add value to your points and mile strategy.
Related: 6 easy strategies I use to earn more than 500,000 points and miles a year
End
He Chase Sapphire preferred It is highly recommended as a well rounded rewards credit for travelers. It offers great value with a reasonable annual rate of $ 95 and without foreign transaction rates. The card registration bonus only makes it obvious during the first year.
In addition, the double points of Chase Sapphire Preferred on trips and restaurants, along with its valuable advantages, such as travel insurance and car rental coverage, make it an option that is worth it for any wallet in the second year and beyond.
For more information, read our complete CHASE SAPPHIRE REFERED REVIEW.
Apply here: Chase Sapphire preferred card
