The Chase Sapphire Preferred Card is one of the most popular travel rewards credit cards available today.
It offers valuable points, flexible redemption options, and strong benefits for dining and travel purchases.
This guide explains how you can apply online and what to expect during the process.
Card Features and Benefits
The Chase Sapphire Preferred Card is designed to reward frequent travelers and everyday spenders.
Its benefits go beyond basic rewards, offering valuable perks for those who use the card strategically.
- Earn points on travel, dining, and everyday purchases.
- Get access to Chase Ultimate Rewards for flexible redemption.
- Enjoy trip cancellation and interruption insurance.
- Receive purchase protection and extended warranty coverage.
- Benefit from no foreign transaction fees.
- Earn elevated points when booking travel through Chase.
Eligibility Requirements
Before applying for the Chase Sapphire Preferred Card, you need to meet specific criteria.
These requirements help Chase evaluate your ability to manage the card responsibly.
- Must be at least 18 years old (21 in some states).
- Must have a valid Social Security number or Individual Taxpayer Identification Number (ITIN).
- Must be a U.S. resident with a valid address.
- Should have good to excellent credit, typically a score of 670 or higher.
- Must meet Chase’s 5/24 rule (not approved if you’ve opened five or more credit cards in the past 24 months).
- Must provide verifiable income information.
Step-by-Step Online Application
Applying for the Chase Sapphire Preferred Card online is a straightforward process. You’ll need to provide personal, financial, and employment details during the process.
- Visit the official Chase website and locate the Sapphire Preferred Card page.
- Click “Apply Now” to begin your application.
- Enter your full legal name, date of birth, and Social Security number or ITIN.
- Provide your residential address, phone number, and email.
- Fill in employment details and annual income information.
- Review the terms and conditions carefully.
- Submit your completed application for processing.
What Happens After Submission
Once your application is submitted, the bank reviews your information and makes a decision.
The process can be quick, but in some cases, it may take a little longer.
- Many applicants receive an instant decision within minutes.
- If further review is needed, the bank may require an additional 7–10 business days.
- You may be contacted for additional documents or verification.
- Approval results are usually sent by email or mail.
- If approved, you’ll receive the card by mail within 7–14 days.
- Denial letters include reasons and information on how to request reconsideration.
Managing Your Card After Approval
After approval, you’ll need to set up and manage your account correctly. This ensures you can track spending, make payments, and maximize benefits.
- Register for online banking on Chase’s website.
- Download and set up the Chase mobile app for account access.
- Enroll in automatic payments to avoid missed due dates.
- Monitor spending and rewards activity regularly.
- Set up account alerts for payments and unusual activity.
- Explore available perks, such as travel protections and bonus categories.
Interest Rates and Fees
Understanding the costs of your account is essential before you start using it.
The following rates and fees apply and can affect how much you pay over time.
- Standard purchase APR ranges from 21.49% to 28.49% variable, based on creditworthiness
- Balance transfer APR is the same as the purchase APR
- Cash advance APR is usually higher, around 29.99% variable
- Penalty APR may apply for late payments
- Annual fee: $95
- Fees include balance transfer ($5 or 5%), cash advance ($10 or 5%), late payment (up to $40), and no foreign transaction fee
Introductory Bonus Offer
New cardholders can unlock a valuable bonus by meeting specific spending requirements.
This reward adds extra value in the first months of membership.
- Earn a large points bonus after meeting the minimum spending requirement.
- The spending threshold is typically set within the first 3 months of account opening.
- Bonus points can be worth hundreds of dollars in travel or cash back.
- Points value increases when redeemed through Chase Ultimate Rewards.
- This one-time offer is available only to new applicants who have not received a bonus for the same card in the past 48 months.
Travel and Dining Rewards Structure
This card stands out for rewarding travel and dining purchases at a higher rate. It also offers competitive points on everyday spending categories.
- Earn 5x points on travel booked through the Chase Ultimate Rewards portal.
- Earn 2x points on all other travel purchases.
- Earn 3x points on dining, including restaurants, delivery, and takeout.
- Earn 3x points on select streaming services and online grocery purchases.
- Earn 1x point on all other eligible purchases.
- Points never expire as long as your account remains open.
Balance Transfer and Cash Advance Options
Along with regular purchases, your account allows balance transfers and cash advances.
These features come with varying costs and should be used with care.
- Balance transfers carry a fee of $5 or 5% of the amount, whichever is greater.
- The APR for balance transfers matches the standard purchase APR.
- Cash advances have a higher APR, ranging from 29.99% to a variable rate.
- A cash advance fee applies: $10 or 5% of the transaction, whichever is greater.
- Interest on cash advances begins immediately, with no grace period.
- These options can help in emergencies but are not ideal for routine spending.
Chase Ultimate Rewards Portal
The Ultimate Rewards portal is where you maximize the value of your points. It offers multiple redemption options that go beyond simple cash back.
- Redeem points for travel with a 25% higher value when booked through the portal.
- Transfer points to airline and hotel partners like United, Southwest, and Marriott.
- Use points for cash back, gift cards, or statement credits.
- Pay with points at checkout with select retailers such as Amazon and Apple.
- Combine points from other eligible Chase cards to boost value.
- Track rewards, redemptions, and partner offers directly in the online dashboard.
Chase Bank Contact Information
If you need help during or after the application process, Chase provides multiple ways to get in touch. Here are the key contact options available.
- Customer Service (General Inquiries): 1-800-432-3117
- Credit Card Customer Service (24/7): 1-800-524-3880
- International Collect Calls: 1-302-594-8200
- Mailing Address (Credit Card Payments): Cardmember Services, P.O. Box 6294, Carol Stream, IL 60197-6294
- Mailing Address (General Correspondence): Chase Card Services, P.O. Box 15298, Wilmington, DE 19850
The Bottomline
Chase Sapphire Preferred Card combines valuable rewards, flexible redemption, and strong travel protections.
By applying online, you can quickly take advantage of its benefits and start earning points right away.
If you meet the requirements, take the next step today and submit your application.
Disclaimer
Terms, rates, and offers may change at any time, and details should always be verified directly with Chase.
This article is for informational purposes only and does not constitute financial advice.