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Chase Sapphire Preferred Card

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Highlights

  • Earn 40,000 bonus points - after you spend $3,000 in the first 3 months*
  • 2 points per dollar on travel and dining
  • 1:1 point transfer with no transfer fees
  • Get 20% off travel - when you redeem airfare, hotel stays, car rentals, and cruises through Ultimate Rewards
  • Receive a 7% annual points dividend - on all new points earned on purchases

Rates & Terms

Purchase Intro APR Regular APR Annual Fee Balance Transfer Period
N/A 15.24%* Variable $0 first year; $95 thereafter N/A
  • Purchase Intro Period: N/A
  • Balance Transfer Intro Rate: N/A
  • Balance Transfer Rate: 15.24%* Variable
  • Cash Advance Rate: 19.24%* Variable
  • Late Fee: $15 - $35
  • Cash advance Fee: 5%, Min: $10
  • Balance Transfer Fee: 3%, Min: $5
  • Cash Advance Minimum: N/A
  • Balance Transfer Minimum: N/A
  • Credit Profile: Excellent Credit Score

Chase Sapphire Preferred Card Review

The Chase Sapphire Preferred Credit Card is a top of the line travel credit card providing great benefits.  It has a great point system, allowing you to earn different multiples of points for various card use cases. The point system includes 2x points on Travel Purchases, 2x points on dining purchases, extra points for booking through their system, and a 7% annual Points Dividend, where you get 7% of the points you've earned over the course of the year at the end of every year.

 It also provides great travel benefits, including travel amenities you would normally get through a travel agent - lost luggage insurance, auto collision insurance, trip cancellation insurance, no foreign transaction fees, and a number of other important things you need while you're on the road.  Find a full list here : Chase Credit Card Details .

The card’s strength is really its travel rewards system, and while probably one of the best travel cards out there, it isn’t necessarily one of the best rewards credit cards for other things.  That being said, this is Chase's flagship card, and is absolutely one of the top travel rewards cards on the market today.