July 12, 2025: The Chase Sapphire Preferred® Card currently features an increased offer online that matches the in-branch exclusive offers we’ve seen on this card. Here are the details.
Chase Sapphire Preferred® Card
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Apply through our referral link to support this site.
This bonus is earned as Chase Ultimate Rewards® points.
Chase occasionally offers a better in-branch exclusive offer on this card.
Annual fee: $95
My take: Great offer on what is now the “to-get” premium Chase card.
First, let’s talk about the bonus offer. The Chase Sapphire Preferred’s offer is one to get. It isn’t the best offer we’ve ever seen on this card, but it’s the best offer we’ve seen on this card within the last 9 months or so. Personally, I think that this is the best offer you’re going to see on this card in the near-term.
The other comment that I’d like to make about this card is that it is probably the best choice if you want a travel card within the Chase ecosystem. With the recent annual fee price increase on the Sapphire Reserve, and the addition of a bunch of coupon-like statement credits, you’re needing to jump through more hoops to get the value out of the more expensive card. If you want simplicity, the Sapphire Preferred is the card to get.
Other offers that might be available
The Sapphire Preferred sometimes has better bonus offers through different channels. Here’s what you need to know.
- In-branch offers: Chase has frequently offered a better in-branch bonus on the Sapphire Preferred—usually with an additional kicker of a few thousand points. But when we last checked, the in-branch offer matched the online offer.
- Referral offers: Historically, when Chase has had increased limited-time bonuses on this card, those stuck around for a few days through referral links after they were pulled publicly. Keep this in mind if you just missed a larger bonus on this card in the future.
Are you eligible to earn the sign-up bonus?
Chase’s terms seem to restrict who can get a new Chase Sapphire Preferred® card, rather than who can earn a bonus. Conceivably, if you can get the card, you can earn a bonus. Here are the rules:
First, you cannot have any other Sapphire-branded credit card. If you currently have a Chase Sapphire Preferred®, you cannot get a second Sapphire Preferred card. And likewise, if you have either the Chase Sapphire Reserve® or the no-annual-fee Chase Sapphire® card (not available to new cardmembers) you won’t be able to open a new Sapphire Preferred card.
Second, you cannot have received a bonus for any Sapphire card within the previous 48 months. This includes both the Chase Sapphire Preferred® and Chase Sapphire Reserve®. Keep in mind that the terms and conditions of the bonus offer state that you cannot have received a bonus within the previous 48 months. Personally, I read that as 48 months from the statement date on which your bonus posted.
Here’s the exact text of the bonus terms and conditions:
The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months.
Chase Sapphire Preferred® offer terms
At a glance: About the Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card offers excellent travel insurance protections, additional points on travel and enables transfers to Chase’s loyalty program transfer partners.
Chase Sapphire Preferred® Card
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Apply through our referral link to support this site.
This bonus is earned as Chase Ultimate Rewards® points.
Chase occasionally offers a better in-branch exclusive offer on this card.
Annual fee: $95
Rewards
- 5x on travel purchased through Chase Travel℠, excluding hotel purchases that qualify for the $50 annual Chase Travel hotel credit.
- 5x on Lyft rides through September 30, 2027.
- 5x on Peloton equipment and accessory purchases over $150, on up to $5,000 of total purchases, through December 31, 2027.
- 3x on dining, including eligible takeout and delivery services.
- 3x on online grocery purchases, excluding Target, Walmart, and wholesale clubs.
- 3x points on select streaming services.
- 2x on other travel purchases.
- 1x on other purchases.
Annual rewards bonus: Each account anniversary year, you’ll earn bonus points equivalent to 10% of the number of dollars spent on purchases in the previous anniversary year. (e.g. You’ll earn 1,000 additional points for $10,000 of purchases, regardless of bonus category.)
Rewards are earned as Chase Ultimate Rewards® points.
Ultimate Rewards® can be combined across cards you hold. If you hold a premium Ultimate Rewards card, you can transfer your points to Chase’s transfer partners or use your points for increased value when you book travel through Chase Travel℠. For more about using Ultimate Rewards, check out our guide on the Ultimate Rewards program.
Benefits
Consumer insurance benefits
- Purchase protection. Offers coverage for up to 120 days against damage or theft of new purchases for up to $500 per claim and $50,000 per account.
- Extended warranty protection. Adds one year of coverage to U.S. manufacturer’s warranties of 3 years or less.
Travel insurance benefits
- Trip cancellation/interruption insurance. Covers non-refundable pre-paid travel expenses, including passenger fares, tours, and hotels if your trip is canceled or cut short by sickness, severe weather, or other covered situations. Coverage is included up to $10,000 per person and $20,000 per trip.
- Auto rental collision damage waiver. Provides primary rental car coverage against collision and theft for most rental cars in the U.S. and abroad when you decline the rental company’s collision damage waiver insurance and use your card to rent your car.
- Baggage delay insurance. Offers reimbursement for essential purchases like toiletries and clothing when your baggage is delayed by more than 6 hours. Coverage is provided up to $100 a day for 5 days.
- Trip delay reimbursement. Covers essential expenses, such as meals and lodging if your travel by common carrier is delayed by 12 hours or more or requires an overnight stay. Coverage is provided up to $500 per ticket.
- Lost luggage reimbursement. If your luggage is lost while traveling by common carrier, this benefit can reimburse you up to $3,000 per covered person, per trip to replace your lost luggage.
- Travel accident insurance. This insurance pays a fixed amount for certain losses of life and limb when you charge your airfare to your card.
- Travel and emergency assistance services. This service can provide referrals to a variety of medical, legal, and travel emergency services when traveling abroad. You are responsible for the costs of any services provided.
Partner benefits and statement credits
- DoorDash DashPass Subscription, plus $10 monthly discount. Receive complimentary access to DashPass—a membership for both DoorDash and Caviar—for at least one year when you activate by December 31, 2027. DashPass members get up to $10 off a month on non-restaurant orders.
- $50 Chase Travel℠ annual credit. Earn up to $50 in statement credits each account anniversary year for hotels stays purchased through Chase Travel.
Rewards benefits
- More value for points when redeemed for select bookings through Chase Travel℠. Get up to 50% more value for bookings with select hotels and flights, or 75% more value on premium cabin tickets with select airlines.
- 10% anniversary bonus. Get bonus points equal to 10% of your total purchases in the previous account anniversary year on your account anniversary. For example, if you made $25,000 of purchases on your card, you’ll get 2,500 bonus points.
- Point transfers to airline and hotel partners. Transfer your points to one of Chase’s many airline and hotel transfer partners. See our guide to Ultimate Rewards® for more details on how to use points.
Rates and Fees
- Annual fee: $95
- Foreign transaction fee: None
