Chase Sapphire Preferred Review: A Must-Have for Any Traveler - NerdWallet
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Chase Sapphire Preferred Review: A Must-Have for Any Traveler

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Chase Sapphire Preferred Review

Chase Sapphire Preferred® Card Editor's Rating: 4.6 / 5

The Chase Sapphire Preferred® Card has one of the best sign-up bonuses in the business, potentially clocking in at 45,000 Ultimate Rewards Points. You’ll Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. Earn another 5,000 points when you add an authorized user in the first three months and they make a purchase.

The Chase Sapphire Preferred® Card also offers ongoing rewards and perks that’ll capture your attention. It turns out 45,000 points can be worth a lot more than $450.

Chase Sapphire Preferred Credit Card
Apply Now

on Chase's
secure website

At a glance
Annual fees Introductory Annual Fee of $0 the first year, then $95
Foreign transaction fee None
Rewards program Ultimate Rewards Points, worth 1 cent each when redeemed for cash back or gift cards or 1.25 cents when redeemed for travel booked through Chase
Sign-up bonus Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening
Verdict: When redeemed for travel, the Chase Sapphire Preferred® Card is among the highest earners out there.
Good for:
  • Someone looking for a large sign-up bonus
  • Someone who flies United, Southwest or Virgin Atlantic
  • Someone who travels and has the Chase Freedom®
Bad for:
  • Someone who wants more flexible travel booking options
  • Someone who isn’t a big spender


We value Ultimate Rewards points at a very conservative 1 cent apiece, but if you redeem for travel through the Chase Ultimate Rewards site, your points are worth 25% more. Award-flight mavens can get even higher rates by transferring their points to airline mile programs. This means that the sign-up bonus is worth more than $500, if you redeem it right.

In this article:

Chase Sapphire Preferred® Card: NerdWallets’ Favorites Video Review
Chase Sapphire Preferred® Card: The basics
Ultimate Rewards Points: They make the Chase Sapphire Preferred® Card special
Where the Chase Sapphire Preferred® Card shines
Where the Chase Sapphire Preferred® Card falls short
Bottom line: Should I get the Chase Sapphire Preferred® Card?

NerdWallets’ Favorites: Chase Sapphire Preferred® Card Video Review

Chase Sapphire Preferred® Card: The basics

The Chase Sapphire Preferred® Card offers 2 points per $1 spent on travel and dining at restaurants and 1 point on everything else.

Chase Sapphire Preferred Credit Card

Chase Sapphire Preferred® Card

Apply Now on Chase's secure website


  • A large bonus
  • No foreign transaction fee
  • Cool factor - metal card
  • Rewards redemption bonus through Ultimate Rewards


  • Has annual fee
  • Best for savvy travelers

Sign-up Bonus

Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening

Annual Fee

Introductory Annual Fee of $0 the first year, then $95

Intro APR Promotions



  • APR: 15.99% Variable
  • Penalty APR: Up to 29.99%, Variable
  • Cash Advance APR: 24.99%, Variable

Card Details

  • Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate Rewards®
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • No foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance
  • 1:1 point transfer to leading frequent travel programs at full value - that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points
  • Premium Travel and Purchase Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Purchase Protection and more
  • 24/7 direct access to dedicated customer service specialists
  • Introductory Annual Fee of $0 the first year, then $95

The card has an Introductory Annual Fee of $0 the first year, then $95 after that, and no foreign transaction fees. There’s also an EMV chip for safer transactions domestically and internationally, making this a great card for all of your overseas excursions.

Ultimate Rewards points: They make the Chase Sapphire Preferred® Card special

1 cent per point: Standard cash back or gift cards. 

If you want cash or gift cards, you can redeem your points at a rate of 1 cent per point. However, you can get better value out of your Ultimate Rewards points if you use them for travel.

1.25 cents per point: Travel booked through Chase Ultimate Rewards

The Ultimate Rewards Booking Tool is similar to Kayak. You input a departing airport and destination, plus your preferred flight dates and compare prices across several airlines. When it comes time to book, Chase Sapphire Preferred® Card cardholders have the option to pay in cash or redeem with points at a 20% discount. For example, if you want a $100 ticket (taxes and fees included), you can:

  • Pay $100 in cash
  • Pay 10,000 points (for non-Chase Sapphire Preferred® Card cardholders)
  • Pay 8,000 points (for Chase Sapphire Preferred® Card cardholders)

Only the Chase Sapphire Preferred® Card and Ink Plus® Business Credit Card have this 20%-off perk.

1.25 to 5 cents per point: Transfer to an airline or hotel program

Your last redemption option is to shift your Ultimate Rewards Points to one of Chase’s transfer partners:

  • Airlines:
    • British Airways
    • Korean Air
    • Singapore KrisFlyer
    • Southwest
    • United
    • Virgin Atlantic
  • Hotels
    • Hyatt
    • Marriott
    • Priority Club/InterContinental Hotels Group
    • Ritz-Carlton
  • Amtrak

As you can see, Ultimate Rewards points hold more value when you’re redeeming with the Chase Sapphire Preferred® Card. With the exception of the Ink Plus® Business Credit Card, no other Chase card gives the 25% points bump or lets you transfer your points 1:1 to partner loyalty programs.

Keep in mind, if you have the Chase Sapphire Preferred® Card and another Ultimate Rewards-earning card — like the Chase Freedom® — you can transfer the points you earn on the  Chase Freedom® to your Chase Sapphire Preferred® Card account and redeem for more than 1 cent per point.

For more information about the redemption options, check out our review of Ultimate Rewards points.

Where the Chase Sapphire Preferred® Card shines

The Nerds’ love for this travel card runs deep. Here’s why:

High sign-up bonus: You’ll be hard-pressed to find a personal credit card with a better sign-up bonus: Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That, plus the additional 5,000 points you’ll get if you add an authorized user and make a purchase within three months, is worth $562.50 if you book travel through Chase Ultimate Rewards.

Extra points on your dining and travel spending: If you travel frequently, you’re likely eating out often as well. The Chase Sapphire Preferred® Card has you covered with extra rewards on both purchases. Remember, the dining and travel merchants must be coded as such for you to get the bonus point on each dollar spent.

Access to Chase Ultimate Rewards bonus mall: Online shoppers can also enjoy extra rewards by shopping through the Chase Ultimate Rewards bonus mall. You’ll get additional points on purchases from your favorite stores, including Apple, Starbucks and Nordstrom.

Discounted travel with Chase Ultimate Rewards: A 20% discount on travel is no joke. Let’s say you put $1,500 on your credit card each month, $800 of which is dining out and travel. This will earn you 27,600 points per year, assuming you don’t use the bonus mall for online purchases. That’s $345 of free travel for making your regular purchases. Add that to your sign-up bonus for the first year, and you’re looking at more than $900 in free travel the first year you have the card.

Even better rewards coupled with Chase Freedom®: If you’re spending within the 5% bonus categories of the Chase Freedom®, you’ll enjoy serious rewards by using both cards.

Let’s say you hit the spending caps of $1,500 for 5% categories each quarter. You’ll earn 7,500 points per quarter, or 30,000 points per year. Transferred to your Chase Sapphire Preferred® Card account and used to book travel through Chase Ultimate Rewards, that’s $375 worth of free travel instead of $300 in cash.

Where the Chase Sapphire Preferred® Card falls short

The Chase Sapphire Preferred® Card isn’t ideal for everyone. Consider a different travel rewards card if you’re:

Someone who wants more flexible travel booking options

Barclays Arrival Plus Credit Card
Apply Now

on Barclays's
secure website

If you want to book through the travel site that gives you the best deal, the Barclaycard Arrival Plus™ World Elite MasterCard® is a better option. It offers 2 miles on every dollar spent and a killer sign-up bonus: Earn 40,000 bonus miles when you spend $3,000 or more on purchases in the first 90 days from account opening. You can redeem miles for travel statement credit on almost any travel expense, including flights, hotel stays, campground stays, cabs and more. You’ll also receive 5% of your redeemed miles back when you redeem for travel statement credit.

The Barclaycard Arrival Plus™ World Elite MasterCard® has a slightly smaller annual fee — $89 - Waived first year — than the Chase Sapphire Preferred® Card. It has no foreign transaction fees and comes chip-enabled with PIN capability for overseas purchases.

Someone who isn’t a big spender

Bank of America Travel Rewards Credit Card
Apply Now

on Bank of America's
secure website
Or call (800) 211-3740

If you love travel, but don’t spend enough to justify the Chase Sapphire Preferred® Card’s high annual fee, the BankAmericard Travel Rewards® credit card is a good option. It offers 1.5 points on every dollar you spend and a sign-up bonus: NEW OFFER! 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days — that can be a $200 statement credit toward travel purchases. Points are redeemable for travel statement credit on the travel expenses of your choice. The BankAmericard Travel Rewards® credit card has a $0.00 annual fee and no foreign transaction fees.

Bottom line: Should I get the Chase Sapphire Preferred® Card?

If you spend a lot on travel and dining at restaurants, and typically fly on one of Chase’s travel partners — like United, Virgin Atlantic or Southwest — this is a fantastic card. You’ll also enjoy the Chase Sapphire Preferred® Card if you have an authorized user because you’ll get an even better sign-up bonus and if you have and use the Chase Freedom®. If you want more flexibility in booking travel or don’t spend enough to outweigh the annual fee, check out our alternate card recommendations. Now go get your new travel card — adventure awaits.

Erin El Issa is a staff writer covering personal finance for NerdWallet. Follow her on Twitter @Erin_Lindsay17 and on Google+.

Image via iStock.

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  • jc18630

    So it says that the sign up bonus of 40,000 points is worth about $500 worth of travel. But someone else below, and one of my friends told me that 1 point can be redeemed for 1 mile. That would be worth a whole lot more, obviously. Can someone help me understand. Thanks!

    • Stupidog

      Miles on a card don’t equal physical miles. For example, a standard ticket on United from Denver to Baltimore costs 25,000 “miles’ one way. So a round trip ticket would cost 50,000 “miles”. Each carrier labels it differently (some call it points, some miles, etc) and at varying cost.

  • eech1234

    A lot of people. 135k is approx 11k per month. $5k of your own expenses and another $6k of reimbursable business expenses, for example.

  • NerdWallet

    Hi Steve,

    You can’t transfer your USAA points, unfortunately – your best bet is to cash out on those and start afresh. However, I’d advise against transferring your *credit card balance *to the Chase Sapphire or Barclaycard Arrival. If you have credit card debt, you should be looking for a card that has 0% interest on balance transfers, so you aren’t bleeding money in interest payments. Rewards cards like the Sapphire and Arrival tend to have very high interest rates, so if you don’t pay off your balance every month, you should look for a 0% APR card.


  • chauzer

    You only get the 20% discount when using points to “pay” for your flight

  • chauzer


  • NerdWallet

    There’s almost no chance, unfortunately – they exclude you from getting the bonus if you’re a previous customer. From the Sapphire Preferred terms and conditions:

    This one-time bonus offer is valid only for first-time cardmembers with new accounts. Previous and existing cardmembers/accounts are not eligible for this bonus offer.

  • NerdWallet

    Yes and no. You’ll earn the base rewards rate at the current exchange rate, so if you make a purchase of 1 euro and the exchange rate is 1 euro to $1.32 USD, you’ll earn 1.32 Ultimate Rewards Points (1 point per $1).

    However, bonus rewards is based on how the merchant categorizes itself. If a merchant tells Visa (or Amex, or MasterCard, or Discover) that it’s a restaurant, you’ll earn 2 points per $1 spent. But foreign merchants typically aren’t as good about categorizing themselves in the American system as stateside retailers. So chances are you’ll only earn the base rate overseas, even if you’re at a restaurant.

  • John Parker


    I have another question – although you may not know the answer unless you have used the card internationally: How is the exchange rate for foreign transactions? Of course, there is no foreign transaction fee; however, banks can be sneaky and instead make money by offering a not-so-competitive exchange rate, can they not? I suppose I could compare Chase’s exchange rate for a transaction with that of the market the next time I travel abroad.

  • doctorofcredit

    Actually, foreign merchants are just as good as categorizing themselves as it’s a requirement by the card issuer (Visa/Mastercard/Amex).

  • NerdWallet

    It’s actually pretty similar to exchange rates. Check out our study of currency conversions:

  • NerdWallet

    Sounds like a great idea. Your rewards rate if you redeem for travel booked through Chase is 2.68% on travel and dining and 1.34% elsewhere, so if your spending is heavily weighted toward travel, it’s a better deal than the Barclaycard Arrival (2.2% on all purchases).

  • Johncito

    Yes to both questions. You can have your points credited to your card or to one of your Chase checking/savings accounts. You can also identify your card as a Chase rewards card on Amazon and it can deduct points directly.

  • NerdWallet

    Hey there, unfortunately, balance transfers don’t count toward the $3,000 spending threshold – it’s just purchases.

  • ed

    Open new accounts at wells fargo online, and you can use your credit card to fund it, it will post on the credit card as a transaction, the maximum per account is 500 dollars, but if you open two accounts for you and your wife than that means you have spent 2000 dollars. than after going to a branch and close those accounts and get the 2000 dollars out, make sure you pay it back to the credit card, pretty easy to do.

  • Sean Milligan

    The Chase Freedom card has rotating categories each quarter that earn 5% cash back instead of 1%. Example: 10/1-12/31 is Amazon and department stores. Probably fitting and worthwhile for all the holiday shopping.

  • Alan Tran


    I have a Chase checking and savings, as well as a Freedom card. I just opened a Sapphire preferred, am I also not eligible according to this?


  • NerdWallet

    Hi Jeremy,

    I think that would work.

  • doctorofcredit

    You’re probably going to lose some money buying and selling gold coins, you’re better off using Amazon Payments.

  • NerdWallet

    According to Million Mile Secrets, the transfers are mostly instant, but Priority Club, Marriott and Korean Air might take longer:

  • Craig Patik

    Try to pay all of your bills with it. See if you can pay your mortgage or rent with a credit card (most likely not, but it’s worth a shot). Think about every bill you have, one by one—cell phone, Netflix, gym membership, etc—and look into it.

    Buy yourself gift cards to stores you will shop at anyway (grocery stores, gas stations, etc). Stock up on household items and supplies that you know you will use. Then you’re not blowing money on things you don’t need, you’re just paying for them now and getting them later.

    Returning purchases won’t work if you return them within the 3 month/$3000 period (before you get the rewards). If you buy $100 worth of items and return $75, you will only have $25 worth of purchases going toward that $3000 goal.

  • doctorofcredit

    You could use Amazon payments to send money to a trusted friend or relative. Also it’s only $2k if you apply in store.

  • Kelli Jansen

    If I buy $3,000 on Zappos (free returns for 365 days) and return after the 3-month mark, does that work?

  • Craig Patik

    I don’t know, but I wouldn’t try that. I’m guessing Chase would catch on, and Zappos (even with their excellent customer service) might ban you, especially if it was all in one or two transactions. It also sounds like a lot of work.

    If you don’t already spend close to $3,000 across 3 months’ worth of bills, then perhaps the travel on which you’re going to spend your points is out of your budget.

  • doctorofcredit

    Yes you can, you could also use Amazon payments if you wanted to avoid the fees.

  • doctorofcredit

    Yes, as long as you haven’t had the CSP before you’re eligible for this card’s sign up bonus.

  • doctorofcredit

    Depends on your situation, but probably the CSP.

  • doctorofcredit

    You can use it for your 3k spend, but you’d be better of transferring the points to a rewards program (e.g United) and using those points to purchase your ticket.

  • doctorofcredit

    It has an annual fee, so if you’re only spending a little bit then after the first year you’re probably better off cancelling the card or downgrading to the regular Chase Sapphire.

  • doctorofcredit

    You can transfer the CSP points to the United Mileage Plus card.

  • doctorofcredit

    This is no longer valid.

  • doctorofcredit

    Once you’ve hit the $3,000 minimum spend the points will post your next monthly statement. If you purchase your tickets before then, you won’t be able to use your points to pay for the ticket so you’re better off waiting.

  • Artur Veliu

    I spent more than 35k a year and i don’t travel a lot!

    Thanks Doctor :)

  • doctorofcredit

    CSP will end up being better. But I’d suggest signing up to multiple cards each year to hit the sign up bonuses.

  • Artur Veliu

    Approved :)

  • doctorofcredit

    You’re welcome, glad I could help. Enjoy the sign up bonus.

  • Claire

    How about if I have a Chase Sapphire (with no annual fee, they upgraded me from Freedom a few years back), but not Sapphire Preferred?

  • doctorofcredit

    It can be used for $400 cash back/statement credit.

  • doctorofcredit

    No they don’t. Check the terms for balance transfer rates, they sometimes change.

  • doctorofcredit

    You’re eligible as long as you’ve never held the CSP before.

  • doctorofcredit

    No they don’t. Check the terms for balance transfer rates, they sometimes change.

  • Yoshy

    All right.
    So, 40000 points can be used as $400 cash, or $500 for travel, correct?
    Where can we find more information about points?
    I want to know how we can use points.

  • doctorofcredit

    How much you get in travel will depend on what you use the points for. If you redeem them for United Miles you can get a lot more than $500 in travel. The points they give you are chase UR (you can use this terms to google a bit more information).

  • doctorofcredit

    You can still receive the sign up bonus for the CSP.

  • doctorofcredit

    I think because some cards give more than 2c a $1 for dining expenses, but it still doesn’t make much sense.

  • doctorofcredit

    Only if you want to. Southwest is good if you plan on flying domestically, if you want to fly internationally then look at transferring to United.

  • Bopos

    I had the same problem…I had to call them and the bank posted the cc acct on line.

  • doctorofcredit

    Call Chase or send them a secured message on your current account and they’ll add it for you.

  • Artur Veliu

    I just got the $500 bonus :) Thank you very much doctor

  • doctorofcredit

    More than welcome, Artur. Glad I could help.

  • doctorofcredit

    The companion pass lasts until the end of the year and then the next following calendar year, so you shouldn’t need to do that.

  • doctorofcredit

    No, you can only transfer one way (e.g you can transfer Chase UR Points to United but not vice versa).

  • doctorofcredit

    Yes they do, all transfer partners are 1:1 currently.

  • Justin Sunseri

    When I said I have the companion pass this year it’s because I earned it last year. My companion pass expires at the end of 2014. I ended up getting the sapphire card but the points lost when transferring from Hyatt to southwest convinced me not to go that route. Doesn’t look like I will be able to get the companion pass next year

  • doctorofcredit

    There are four versions of the southwest cards, why not grab two more of those? For 100k points.

  • gmehta

    is this true? If I apply to upgrade from CS to CSP in person at a CHASE branch I only have to spend $2k to meet the 40,000 bonus points awarded to me?

  • doctorofcredit

    It was true last time we checked at a branch.

  • Dave

    Read the title, a ‘must have for any TRAVELER’. What you just said is already in the article, hence why the article was even written.

  • Rhea ‘N’ Bhere

    If you’re online shopper and use sites like Amazon, best buy, macys. You still can rack up points easily.

  • Rhea ‘N’ Bhere

    Yes. You can

  • Kumar


  • johndubya

    Terms on my mailing say, “Purchases do not include balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that access your account . . .”

    So it looks like no.

  • tu11

    Yes, add her as a user for the free 5k bonus points. In a nutshell — you both need Amazon payment accounts. Log in, and “send” her money using your new CSP card as your funding source. You can only send $1k/month for free (I think otherwise you need bank verification or may have to pay processing fees). Otherwise, no fees to send, or to receive. You can have your wife ACH the funds into her bank account, at which point you payoff the credit card. This should only take a couple days. Hope that helps..

  • tu11

    Probably the Southwest card, then. If you’re spending that much, I may suggest looking into how to get a Companion Pass (if you’re interested) and make your tickets 2for1 :). CSP is great for flexibility (if you want to redeem points for hotel stays, in case the flights are super cheap one weekend and you don’t mind paying for them) — that’s why I keep it as my go to.

  • tu11

    Usually from date of approval, not activation. Though those dates should only be a few days apart, I wouldn’t risk it.

  • allisonfaye

    What do you have to do to get the miles?

  • South Paw Nixon

    The Sapphire Preferred is awesome! For instance: I can redeem 55,000 points for a roundtrip flight to Guatemala. OR I can move 35,000 points to United to redeem a round trip flight to Guatemala. The trick is if you PAY for flights then buy them through the Chase portal (unless for some reason you find one significantly cheaper elsewhere). BUT if you use points to REDEEM flights then move your ultimate rewards points to a travel partner for a 1:1 transfer and get better deals!

  • NerdWallet

    Hi @disqus_EuoyUEr9R9:disqus. Congratulations on your upcoming wedding! Getting a rewards card is a great idea – if you’re spending a lot on your wedding, you can save up points or miles to use on your honeymoon! If you are interested in earning miles, a general travel card is a great option so that you aren’t tied down to a specific airline. As of December 2014, the Barclaycard Arrival Plus World Elite, the Chase Sapphire Preferred, and the Capital One Venture all earn 2x miles per $1 on purchases and all have sign-up bonuses right now.

  • Cheniah Megan Yamoto

    Hi! What is the better deal so you think? Moving points to a travel partner for 1:1? I was looking at this card before because I use united a lot. I use united and alaska airlines most but chase card is not a travel partner with alaska airlines so I went with a card that is 2 miles for any purchase and can be used for any airline… hmmm….

  • NerdWallet

    Hi Sam,

    Unfortunately, only some of Chase’s cards allow you to transfer points. They have some FAQ regarding Point Transfers on their website that you might want to check out to learn more:

    Best of luck!

  • Norman Cabanilla

    This happened to me. You DO NOT get the bonus offer because you are a conversion rather than a new customer. I called CSP customer service and here are your options:

    1) if you have another chase credit card (I.e Freedom) you can transfer the credit limit to the other card, and close the CSP card. Then wait a few months and reapply for CSP as a new signup. Or

    2) do a product change (downgrade from CSP to regular Chase Sapphire) and reapply for the CSP card in a month. You still get to keep the credit limit and APR on the Chase Sapphire, and open another line of credit on the newly applied-for Chase Sapphire Preferred. Down the line you will be able to consolidate the credit limits of both cards into one, if you so choose. The important difference from the first option is that this won’t appear as a cancelled credit card to the Credit Bureaus.

  • NerdWallet

    Hi @Artie – The authorized user has to make at least 1 purchase to earn the bonus miles.

  • NerdWallet

    Hi @disqus_IbQzHooz9f:disqus

    I’m not familiar with the legacy USAA Eagle Points card, but it sounds like you have a good deal. Based on the redemptions options you listed, it seems like the rewards rate can range from 1.6% (for a coach ticket) up to 2.67% (for a first class ticket), which is top notch.

    The Barclaycard Arrival Plus, for comparison, earns 2.2% when you redeem your points for a travel statement credit.

    I think you would be perfectly happy keeping your USAA card, but there are a few things to consider – Do you only get this stellar rewards rate when booking a first class ticket? If you don’t always want to fly first class (or even use your points on airfare), the Barclaycard allows you to use your points towards any eligible travel expense (hotel, rental car, gas, plane ticket, etc.)… plus, you don’t need to save up for the entire trip at once. You can redeem your points in $25 increments, which will make it easier to take advantage. Also – I’m not sure if you travel abroad, but both the Chase Sapphire Preferred and the Barclaycard Arrival Plus have no foreign transaction fees when making purchases outside of the US.

    Hope this helps!

  • Artie

    I don’t think this is accurate. I just got my first statement and it has 5000 bonus miles added and while I’ve requested, received, and activated a second authorized card, I haven’t yet made a purchase with it. Can’t think of anything else the bonus miles would be from.

  • NerdWallet

    Hi @disqus_7KuDxhJBGy:disqus,

    There are two ways that you can redeem the Chase Sapphire Preferred points for travel:

    (1) You can redeem your points through Chase Ultimate Rewards using the Chase booking tool that is very similar to Orbitz, Expedia, etc. Get 20% off airfare, hotels, car rentals, and cruises. Using this redemption option, you CAN use your points for any hotel or airline (as long as you book through Chase!)

    (2) You can transfer your points to leading frequent travel programs (1:1 value). Using this option, you then book travel through that travel program – the options here are the programs that you listed above.

    I hope this helps!

  • Norman Cabanilla

    Not for new applicants. But you can downgrade from an existing Sapphore Preferred to Sapphire

  • Jagir Jhaveri

    Paul, I really appreciate you taking the time to guide me through this. I will apply in this case. Do they charge a fee to book with the agent?

    So what I understand is that they will pull up the 942 (referenced above) fare and give 25% discount right? Has it worked almost always or always?

    Thank you again for taking the time to help. :)

  • Jodi Tam

    Do you have to have more than enough points to purchase a flight or hotel? Or can you pay the differences if you don’t have enough points?

  • locilocisu

    Yes this is true. If you pay for the ticket/hotel/etc you book through the Chase Ultimate rewards website with the credit card itself, you earn 3 points per dollar

  • Santita Dwi Putri

    So far, it’s for 2015. So yes, 3 points for every dollar you spend booking through Chase. They list all available flights and the majority of hotels.

  • cloud9ine

    Every single card does this. If your balance is not paid in full by due date, everything accrues interest from the date of purchase.

  • Bob barker

    Why did you only pay 4,300 when you balance was 4,500?

  • james edwards

    That’s weird, I was out of the country and no credit reporting for 10 years and I was approved.

    did you do it online? sometimes; it might help doing it onlne.

  • james edwards

    of course, they wouldn’t approve me for the chase slate…which is the card I wanted.

  • Joan Casinome

    That is weird, you might want to call again and explain to them your situation. They might give you a comp. I had lower score and many credit cards and less experience and was approve instantly. Also you can request next day delivery at no charge, just ask.

  • GiuseppeG

    It’s a Visa Signature card

  • Brad

    That’s an intriguing idea. Can you confirm that they allow you to transfer your Chase points to a Southwest account that is not in your name?

  • Colorado_Al

    My bad. I forgot to mention that these points are not directly usable for tier points with SW. You can convert them to hotel rewards and then to SW rewards, however it is not 1 to 1. Sorry for the misleading post above.

  • kevinlau

    Yes, using the card on bills will still give you points.

  • Santita Dwi Putri

    Place all of your spending on the card, including bills. My husband and I use the card for ALL of our daily purchases. Anything that doesn’t need direct payment from a checking account uses the card. Then pay the card to 100% at the end of every month.

    Within 6 months we got over $1000 in rewards that we used towards flights. While we travel, we accrue even more points from hotel, dining, and other travel spendings. We also accrue points from their online shopping partners. The yearly fee is justified within the first 3 months pretty much.

  • Bob barker

    The authorized users card will bare the same numbers as your card. The same happened for me, you do not need to make a purchase on the card to receive the credit.

  • Joe

    Does anyone know if using the card for let’s say amazon gift credit counts toward the 4000$ in 3 months promotion?

  • iSDK

    Yes. You can transfer, say 10,000 Ultimate Reward Points to one of their qualifying partners and you have to look at the transfer ratio, but most are 1:1.

  • Robert Pearson

    Your comparing a cash back card to a travel card? Please give us a better comparison.

  • Jamie S.

    I wonder how many of the people knocking this or that credit card actually just don’t understand the average daily balance model of revolving credit.

  • Jamie S.

    My experience is that Chase will not convert a branded card to one of its own cards. To do what you want to do, you’d need to apply for the Sapphire card, be accepted outright, and then rebalance your credit lines between the two cards.

  • Mama_Fish

    Call Chase and downgrade your card before your first year is up. We signed up for a Sapphire in order to get free airline tickets for an anniversary trip. We managed to get enough points for a rental car as well. Once we took our trip we downgraded to a Freedom. We have no use for a travel rewards card.

  • Glenn Wilcox

    This is a good idea, for you are spending that money anyways, why not get rewards for it…

  • jose gomez

    Yes it does whatever you spend it in will give you points but it will just be 1 point for dollar since it’s not travel or dining

  • jc18630

    Can you explain this further please? If I’ve got 40,000 points for signing up, that means I can get 40,000 miles worth of travel? It doesn’t quite make sense to me, because they then go on to say thats worth a $500 flight.