Easy Approval and Benefits: Discover the Chase Sapphire Preferred®

Picture this: your dream trip to Cancún’s beaches or Tuscany’s vineyards, made more affordable and rewarding.

Sounds great, right? Now imagine a credit card that earns points for your trips and offers perks from takeoff to your final dinner.

That’s the Chase Sapphire Preferred® Card, a card that blends easy approval with benefits that’ll make any traveler grin from ear to ear.

Curious about how it can turn your travel dreams into reality?

Stick with me—this article will break down everything you need to know to make the most of this amazing card!

Why the Chase Sapphire Preferred® is Perfect for You

If you love to travel, whether it’s a quick weekend trip or an international adventure, the Chase Sapphire Preferred is like your trusty sidekick, helping you save and enjoy more.

With an annual fee of just $95, it delivers a bundle of benefits that make every penny worth it. Plus, it’s accessible for a lot of folks, with an approval process that doesn’t demand an unreachable credit score.

And here’s the kicker: the Chase Ultimate Rewards program is a traveler’s dream, thanks to its super flexible points. Let’s dive into the details to see why this card is such a game-changer.

A Welcome Bonus That Pays for Itself

Let’s start with the welcome bonus, which is honestly too good to pass up. Spend $5,000 in the first 3 months after opening your account, and you’ll score 75,000 Ultimate Rewards points.

What’s that worth? Those points can get you up to $1,125 when you book travel through the Chase Travel℠ portal, or even $1,538 if you transfer them to travel partners, according to recent valuations from May 2025 by The Points Guy.

That’s like getting a free flight or hotel stay just for using your card on everyday purchases! Who wouldn’t want to kick off their journey with a bonus like that?

How You Earn Points

Earning points with the Chase Sapphire Preferred is as easy as grabbing your morning coffee. Here’s the breakdown of how you stack up points:

• 5x points on travel booked through Chase Travel℠ (except hotels eligible for the $50 credit).
• 5x points on Lyft rides (valid through September 2027).
• 5x points on Peloton equipment and accessory purchases over $150 (up to 25,000 points, valid through December 2027).

3x points on:

• Dining, including eligible delivery and takeout (Friday night pizza? It counts!).
• Online grocery purchases (excluding Target, Walmart, and wholesale clubs).
• Select streaming services like Netflix, Spotify, and Disney+.

• 2x points on other travel purchases, like direct flights, hotels, and trains.
• 1x point on everything else.

And there’s more! On your account anniversary, you get a 10% bonus based on your total spending from the previous year.

For example, if you spend $25,000 in a year, you’ll snag 2,500 extra points, worth about $50. It’s like a little thank-you gift from Chase for using the card.

To give you a sense of how much you could earn, here’s a table with estimated points after one year, based on average spending for different profiles:

Spending Category	Monthly Spending	Points Rate	Points per Year
Travel via Chase Travel℠	$500	5x	30,000
Dining (restaurants, delivery)	$300	3x	10,800
Online Grocery	$400	3x	14,400
Streaming	$50	3x	1,800
Other Travel	$200	2x	4,800
Other Purchases	$1,000	1x	12,000
Total	$2,450		73,800
Anniversary Bonus (10%)			7,380
Total with Bonus			81,180

With those points, you could book flights, hotels, or transfer them to partners to stretch their value even further. Pretty awesome, right?

How to Use Your Points Wisely

Chase Ultimate Rewards points are like a VIP pass for your travels. You’ve got tons of options to redeem them, and each one can make your money go further. Here’s how to make the most of them:

• Chase Travel℠: When you book flights, hotels, or car rentals through the portal, your points are worth 1.5 cents each for hotels and up to 1.75 cents each for premium cabin airfare on select airlines. That means your 75,000-point welcome bonus could be worth $1,125 for hotels or even $1,312 for premium flights. And the best part? No blackout dates, so you can book whenever seats or rooms are available.
• Transfer to Partners: Want to stretch your points even more? Transfer them 1:1 to one of 14 travel partners, including:
• Airlines: United MileagePlus, Southwest Rapid Rewards, Air France-KLM Flying Blue, Singapore Airlines KrisFlyer, and more.
• Hotels: World of Hyatt, Marriott Bonvoy, IHG One Rewards.
  For example, transferring 86,000 points to Singapore Airlines could get you a first-class flight from New York to Frankfurt. Or 3,500 points with World of Hyatt could score you a night at a boutique hotel. It’s like turning your everyday spending into unforgettable experiences!
• Other Options: You can also redeem points for statement credits, gift cards, or Amazon purchases, but you’ll get the most value from travel bookings or partner transfers.

Benefits That Make Your Travels Safer and More Enjoyable

Beyond the points, the Chase Sapphire Preferred comes with a suite of benefits that give you peace of mind and make your trips even sweeter. Here are some standouts:

• Annual Hotel Credit: You get up to $50 in statement credits for hotel stays booked through Chase Travel℠. That covers more than half the annual fee without you lifting a finger—just book your favorite hotel!
• Travel Protections: Travel can be unpredictable, but the Chase Sapphire Preferred has your back:
• Trip Cancellation/Interruption Insurance: Up to $10,000 per person and $20,000 per trip for prepaid expenses (flights, hotels) if your trip is canceled due to illness, bad weather, or other covered reasons.
• Trip Delay Insurance: If your flight is delayed more than 12 hours (or requires an overnight stay), you get up to $500 per passenger for expenses like meals and lodging.
• Baggage Delay Insurance: If your luggage is delayed over 6 hours, you get up to $100 per day for up to 5 days to cover essentials like clothes and toiletries.
• Lost Luggage Reimbursement: Up to $3,000 per passenger for luggage that’s lost, damaged, or stolen.
• Primary Auto Rental Insurance: Coverage up to $60,000 for collision damage or theft on rental cars, valid in the U.S. and abroad.
• Travel Accident Insurance: Up to $500,000 for serious accidents on transportation paid with the card.
• Travel and Emergency Assistance: 24/7 support for medical, legal, or travel emergencies, wherever you are.

Here’s a table summarizing the types of protections the card offers, so you can see it all laid out:

Protection Type	Coverage	Details
Trip Cancellation/Interruption	Up to $10,000/person, $20,000/trip	Reimburses prepaid expenses for covered reasons (e.g., illness, weather).
Trip Delay	Up to $500/passenger	For delays of 12+ hours or overnight, covers meals and lodging.
Baggage Delay	Up to $100/day, for 5 days	For delays of 6+ hours, covers essentials like clothes and toiletries.
Lost Luggage	Up to $3,000/passenger	For luggage lost, damaged, or stolen.
Primary Auto Rental Insurance	Up to $60,000	Covers collision damage or theft on rentals (MSRP up to $125,000).
Travel Accident Insurance	Up to $500,000	For death or dismemberment on transportation paid with the card.
Travel and Emergency Assistance	24/7 support	Help with medical, legal, or travel emergencies (costs charged to card).

Conclusion: Your Next Adventure Starts Here

The Chase Sapphire Preferred® Card is more than just a credit card—it’s your ticket to turning everyday spending into travel, experiences, and peace of mind.

With a generous welcome bonus, easy-to-earn points, and benefits that protect you every step of the way, it’s perfect for anyone dreaming of exploring the world without the hassle.

So, why wait? Head to creditcards.chase.com to apply and start planning your next adventure. Where will your points take you? The sky’s the limit!