Chase Sapphire Preferred

Earn 75,000 bonus points
after you spend $5,000 on purchases in the first 3 months from account opening.*Opens offer details overlay
*Opens offer details overlayOffer DetailsOpens offer details overlay | †Pricing & terms opens in a new windowPricing & TermsOpens in a new window | $95 Annual Fee†Pricing & terms opens in a new window
This credit card is unavailable to you if you currently have one open. The new cardmember bonus may not be available to you if you currently have any other personal Sapphire cards open, previously held this card or received a new cardmember bonus for this card. We may also consider the number of cards you have opened and closed, as well as other factors in determining your bonus eligibility.

Book flights, hotels and more through Chase Travel
gift cards from brands you love
point transfer to leading airline and hotel loyalty programs

Points don’t expire as long as your account is open

Pay with points on eligible purchases at Amazon.com
Turn your points into Apple® products

See how much you can earn
Enter your monthly expenses below and click the “Calculate now” button.
Earn 5x
on travel purchased through Chase Travel
Earn 3x
on dining, select streaming and online grocery purchases
Earn 2x
on all other travel
Earn 1x
on all your other spending
if you spend $5,000 on purchases in the first 3 months
FIRST YEAR
toward travel
when redeemed for travel through Chase Travel
Get more with brands you love
Earn 5x total points on Lyft rides through September 30, 2027.*Opens offer details overlay
Earn 5x total points on eligible Peloton equipment and accessory purchases over $150 through December 31, 2027.*Opens offer details overlay
Travel and spend with confidence
Auto Rental Coverage
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.^Same page link to benefits footnote, ^^Same page link to benefits footnote
Trip Cancellation and Interruption Insurance
If your trip is canceled or cut short by sickness, severe weather or other covered situations, you can be reimbursed up to $10,000 per covered traveler and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.^Same page link to benefits footnote
Trip Delay Reimbursement
If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you are covered for unreimbursed expenses, such as meals and lodging, up to $500 per covered traveler.^Same page link to benefits footnote
Travel Accident Insurance
When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive up to $500,000 in accidental death or dismemberment coverage.^Same page link to benefits footnote
Lost Luggage Reimbursement
Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.^Same page link to benefits footnote, ^^Same page link to benefits footnote
Baggage Delay Insurance
Reimburses you up to $100 a day for up to 5 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.^Same page link to benefits footnote
Travel and Emergency Assistance
If you run into a problem while traveling away from home, this benefit provides legal and medical referrals and access to other travel and emergency assistance services. (You will be responsible for the cost of any goods or services obtained.)^Same page link to benefits footnote
Roadside Assistance
If you have a roadside emergency, call the service provider to dispatch the help you need. Roadside service fees will be billed to your card at time of dispatch.^Same page link to benefits footnote
Fraud Protection
Get fraud protection all day, every day.^Same page link to benefits footnote
Zero Liability Protection
You won’t be held responsible for unauthorized charges made with your card or account information.*Opens offer details overlay
Fraud Alerts
Round-the-clock, real-time monitoring for unusual account activity.*Opens offer details overlay
Purchase Protection
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.^Same page link to benefits footnote, ^^Same page link to benefits footnote
Extended Warranty Protection
Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.^Same page link to benefits footnote
Chip-Enabled Protection
Enjoy enhanced security and wider acceptance when you make purchases at chip-enabled card readers in the U.S. and abroad.*Opens offer details overlay
^returns to benefits target Travel And Purchase Protection: These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are provided by unaffiliated companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. For full coverage details, cardmembers can refer to their Guide to Benefits, provided after account opening, or call the number on the back of their card for assistance.
^^returns to benefits target Specific limitations apply to New York residents: Auto Rental Coverage – inside the United States coverage is secondary to your personal automobile insurance. Lost Luggage Reimbursement – additionally limited to $2,000 per bag and $10,000 for all covered travelers per trip. Purchase Protection – coverage period is 90 days from the date of purchase.
Can I have both a Sapphire Preferred and a Sapphire Reserve card?
Yes, you can have both a Sapphire Reserve and Sapphire Preferred card at the same time, but not more than one of each. If you need additional cards on an existing Sapphire Reserve or Sapphire Preferred account for family members, you are welcome to add them as authorized users for a $195 annual fee per authorized user for Sapphire Reserve or at no additional cost for Sapphire Preferred.
Can I get a Sapphire Reserve or Sapphire Preferred card if I already have a Sapphire Reserve for Business card?
Yes, you can have all Sapphire branded cards at the same time, but not more than one of each. If you need additional cards on an existing Sapphire account for family members or employees, you are welcome to add them as authorized users for a $195 annual fee per authorized user for Sapphire Reserve or at no additional cost for Sapphire Preferred and Sapphire Reserve for Business.
Will I definitely be eligible to earn the new cardmember bonus if I get a Sapphire Reserve or Sapphire Preferred card?
In most cases yes, but the new cardmember bonus may not be available to you if you previously had the same card, previously earned a new cardmember bonus for the same card, or if you currently have any other Sapphire personal card. We may also consider other factors, like the number of cards you have opened and closed, in determining your bonus eligibility.
Can I access Lounges with the Preferred card?
No, Preferred cardmembers do not have access to lounges. As a Sapphire Reserve cardmember, you will be able to take advantage of complimentary access to 1,300+ airport lounges worldwide with up to two guests, plus every Chase Sapphire Lounge by The Club location, after an easy one-time enrollment in Priority Pass Select.
What are ultimate rewards points and how much is each point worth? Is there a limit to the amount of points I can earn?
`Ultimate Rewards points` are rewards you earn for purchases of products and services, minus returns or refunds, made with your Sapphire credit card. You can redeem your points for cash back, gift cards, experiences and more through Chase's Ultimate Rewards portal found on your account dashboard. You can also redeem your points for travel through the Chase Travel portal. There is no limit to the number of points you can earn, and your Ultimate Rewards points won't expire as long as your account remains open.
What Privileges do authorized users get when they are added to my card?
Authorized users share the same level of purchase protections and travel protections that you have for purchases made with their Sapphire card. The rewards points earned from their purchases will add towards your rewards points total. Only the primary account holder can redeem Ultimate Rewards points earned across both cards. Lastly, each authorized user on Sapphire Reserve can have access to their own Priority Pass card.
Industry awards*Opens offer details overlay

All-Purpose Travel Rewards®

Best Travel
Rewards®

Best Entry-Level Travel Card

Best Credit Card for International Travel
Earn 75,000 bonus points
after you spend $5,000 on purchases in the first 3 months from account opening.*Opens offer details overlay
*Opens offer details overlayOffer Details Opens offer details overlay | †Pricing & terms opens in a new windowPricing & TermsPricing & terms opens in a new window| $95 Annual Fee†Pricing & terms opens in a new window
This credit card is unavailable to you if you currently have one open. The new cardmember bonus may not be available to you if you currently have any other personal Sapphire cards open, previously held this card or received a new cardmember bonus for this card. We may also consider the number of cards you have opened and closed, as well as other factors in determining your bonus eligibility.

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