Rewards Rate
points on dining, including eligible delivery services, takeout, and dining out.
points on travel, including flights, hotels, taxis, and more.
points on all other purchases.
bonus points after spending $4,000 on purchases in the first 3 months.
Annual hotel credit
Welcome Bonus
The Chase Sapphire Preferred® Card stands out with its impressive welcome bonus of 60,000 points, valued at $750 for travel through Chase Ultimate Rewards®. This is an excellent incentive for new cardholders and one of the most competitive bonuses in its category.
APR
20.74-27.74% Variable APR
Pro & Cons
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Lucrative welcome bonus worth $750 toward travel.
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Elevated rewards for travel and dining.
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No foreign transaction fees, ideal for international travel.
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Comprehensive travel protections for peace of mind.
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No introductory 0% APR offer.
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You can earn higher bonus rates in some everyday categories with other cards.
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Although it may not be hard to offset, there’s still a $95 annual fee.
Chase Sapphire Preferred® Credit Card
The Chase Sapphire Preferred® Card is a premier choice for those who want to maximize their rewards, particularly in travel and dining. With a lucrative welcome bonus, ongoing rewards, and flexible redemption options, this card is designed for both the occasional traveler and the savvy everyday spender. It’s no wonder why it’s often considered one of the best travel rewards cards on the market.
Miles per dollar on every purchase
Miles per dollar on hotel and rental car purchases through Capital One Travel
Free lounge visits each year
Bonus miles after spending $4,000 on purchases within 3 months of opening an account
Credit for either TSA PreCheck or Global Entry
Capital One Walmart Rewards® Mastercard®
Good for:
Card is no longer available
cash back when using Walmart.com or the app for delivery or pickup purchases only
cash back for purchases at Walmart stores in the U.S. and Puerto Rico, as well as at Murphy USA gas stations
additional cash back (totaling 5%), when using Walmart Pay for purchases within the first 12 months at Walmart Stores
cash back when purchasing gift cards through Walmart
cash back on purchases made at Sam’s Club and its gas station
U.S. Bank Cash+ Visa Signature Card
Good for:
Customize your cashback categories
by selecting two categories such as food, utilities, electronics, internet, gyms, or furniture for each calendar quarter.
To receive the cash back, choose one category from options like food, utilities, or electronics each calendar quarter.
Cashback on all other eligible purchases.
Card Highlights
- Welcome Bonus: Earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months. These points are worth $750 toward travel when redeemed through Chase Ultimate Rewards®.
- Reward Rates:
- 3X points on dining, including eligible delivery services, takeout, and dining out.
- 2X points on travel, including flights, hotels, taxis, and more.
- 1X points on all other purchases.
- $50 Annual Hotel Credit: Receive a $50 statement credit for hotel stays booked through Chase Ultimate Rewards®.
- 25% More Value for Travel: Points redeemed for travel through Chase Ultimate Rewards® are worth 25% more.
- Comprehensive Travel Protections: Includes trip cancellation/interruption insurance, baggage delay coverage, and rental car damage protection.
- No Foreign Transaction Fees: A great benefit for international travelers.
Rewards Redemption
With elevated rewards for travel and dining, this card is perfect for individuals who prioritize these categories in their spending. Plus, the ability to transfer points to popular airline and hotel loyalty programs adds even more value for frequent travelers.
Card Terms, Rates and Fees
- Annual Fee: The card comes with a modest $95 annual fee, which is easily offset by the rewards and benefits it provides.
- APR: The Chase Sapphire Preferred® Card features a variable APR between 20.74% and 27.74%, depending on your creditworthiness.
- Other Fees
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- Balance Transfer Fee: $5 or 5% of the amount, whichever is greater.
- Late Payment Fee: Up to $40.
Maximize Benefits and Avoid Fees
- Use the Card for Travel & Dining: Focus on purchases that earn the highest rewards to maximize points accumulation.
- Redeem Points for Travel: Gain 25% more value by booking through Chase Ultimate Rewards.
- Plan Large Purchases: Hit the $4,000 spending threshold in the first 3 months to earn the welcome bonus.
- Pay Off Balances Monthly: Avoid interest charges by clearing your balance each month.
Qualification Requirements
|
Requirement |
Description |
|
Credit score & credit history |
Good to excellent credit (typically 670+) |
|
Income |
Monthly income should comfortably exceed expenses, particularly rent or mortgage payments. |
|
Job-status |
Stable employment preferred |
|
Citizenship/residency |
US citizen or permanent resident |
|
Age |
18+ with a valid SSN or ITIN |
|
Required documents |
Valid ID and proof of income. |
What Makes This Card Appealing?
The Chase Sapphire Preferred® Card shines for frequent travelers and foodies who want to earn rewards on everyday spending and enjoy premium travel benefits. Its flexible redemption options, competitive rewards rates, and travel protections make it a standout in the mid-tier credit card market.
FAQ
Is there a welcome bonus?
Yes, earn 60,000 bonus points after spending $4,000 in the first 3 months, worth $750 toward travel when redeemed through Chase Ultimate Rewards.
Can I transfer my points to travel partners?
Yes, you can transfer points at a 1:1 ratio to leading airline and hotel loyalty programs.
What if I don’t spend $4,000 in 3 months?
You won’t qualify for the welcome bonus, but you can still earn rewards on all purchases.
