The Chase Sapphire Preferred® Card is one of the most sought-after travel rewards credit cards, known for its high-value point system and travel benefits.
Whether you’re a seasoned traveler or someone looking to earn rewards on dining and streaming services, this card offers exceptional perks.
In this guide, we’ll walk you through how to apply, along with a breakdown of the application process, interest rates, bank contact info, and more.
Why Apply for the Chase Sapphire Preferred® Card?
This card is popular for its generous rewards system and unique travel benefits.
It’s a solid choice for consumers with good to excellent credit (a FICO score of at least 690 is typically recommended).
With a modest annual fee and no foreign transaction fees, the card is geared toward travelers and everyday spenders alike.
Key Benefits
Earn 100,000 bonus points after spending $4,000 in the first 3 months. These points are worth up to $1,250 when redeemed through Chase Travel℠.
The Point System gives 5x points on travel booked through Chase Travel℠, 3x on dining, streaming services, and online groceries
You also acquire comprehensive travel insurance and purchase protection.
How to Apply for the Chase Sapphire Preferred® Card
You can apply for the card online, in person, or by phone.
The most common and convenient method is to apply online, available on the official Chase website.
Choose the option to apply as a client or guest, complete the required sections of the application form, review pricing terms, and submit your application.
Wait for a Decision. Instant decisions are possible, though some may take longer.
Application Options
You can apply:
1. As an Existing Chase Client
If you’re already a Chase customer, you can apply faster by signing into your online account.
Chase pre-fills much of your information and may expedite your application decision.
2. As a Guest
Non-clients or those without a Chase login can apply as a guest by completing a detailed online form. The form is broken into the following sections:
- Personal Information: Full name, date of birth, citizenship status.
- Identification: Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and government-issued ID (e.g., driver’s license).
- Home Address: Current residence, length of residence, and housing status (own/rent).
- Contact Information: Email, phone number, and communication preferences.
- Financial Information: Employment status, annual income, monthly housing payment, and source of income.
- Authorized User (Optional): Option to add another cardholder.
- Certifications: Legal declarations verifying the accuracy of your application.
- Pricing & Terms: Disclosure of all rates, fees, and cardholder responsibilities. Applicants must accept these before submission.
Once completed, applicants can review all information before final submission.
Some may receive an instant decision, while others might be contacted for further documentation.
Pros and Cons
Here are the pros and cons of the Chase Sapphire Preferred® Card, broken down clearly to help you evaluate whether it’s a good fit for your needs:
Pros
- Generous Welcome Bonus
Earn up to 100,000 points (worth $1,250 when redeemed through Chase Travel℠) after meeting the initial spend requirement. - High Reward Rates
Earn 5x points on Chase Travel purchases, 3x on dining and select services, and 2x on other travel – strong for everyday spenders. - Point Flexibility
Points can be transferred to over a dozen travel partners (like United, Hyatt, Southwest) or redeemed directly for travel, gift cards, or statement credits. - No Foreign Transaction Fees
Ideal for international travelers – use abroad without extra charges. - Robust Travel and Purchase Protections
Includes primary rental car insurance, trip cancellation/interruption insurance, and baggage delay coverage. - Low Annual Fee for a Travel Card
$95 annual fee is competitive given the benefits and reward potential. - Access to Chase Offers and Experiences
Includes exclusive events, dining offers, and the “Chase Experiences” program.
Cons
- No Intro APR Offer
Unlike some cards, there’s no 0% introductory APR on purchases or balance transfers. - High APR if You Carry a Balance
Variable APR can exceed 28%, so it’s not ideal for those who don’t pay their bill in full monthly. - Annual Fee Not Waived First Year
While the fee is relatively low, some competitors offer the first year free. - Limited Bonus Categories
If your spending isn’t focused on travel or dining, the rewards might not be as valuable. - High Credit Requirement
Generally requires good to excellent credit, making it less accessible to newer credit users.
Interest Rates and Fees
Before applying, it’s important to understand the card’s cost structure.
- Purchase APR: Variable, ranging from 21.49% to 28.49%, depending on your creditworthiness.
- Balance Transfer APR: Same as the purchase APR.
- Cash Advance APR: 29.99% variable.
- Penalty APR: Up to 29.99%, which late or returned payments may trigger.
- Balance Transfer Fee: $5 or 5% of the amount of each transfer, whichever is greater.
- Cash Advance Fee: $10 or 5% of the amount, whichever is greater.
- Late Payment Fee: Up to $40.
- Returned Payment Fee: Up to $40.
- Annual Fee: $95 (not waived for the first year).
- Foreign Transaction Fee: None
Rates are subject to change. Always refer to Chase’s current terms and disclosures during the application.
Contacting Chase
If you need help with your application or want more information, Chase offers several ways to get in touch:
- General Inquiries: 1-800-935-9935
- Credit Card Customer Service: 1-800-432-3117
- International Callers: 1-713-262-3300
- Technical Support: 1-877-242-7372
- TTY/Accessibility Services: 1-800-242-7383
- Mailing Address: Chase Card Services Mail Code LA4-6475 700 Kansas Lane Monroe, LA 71203 United States
You can also send secure messages through your Chase online banking account after logging in.
Additional Tips Before Applying
Check your credit score before applying and pay down existing debt to improve your approval chances.
Avoid Multiple Applications within a short timeframe, which can lower your credit score.
Review the Benefits Carefully to ensure the card aligns with your lifestyle and spending habits.
Conclusion
The Chase Sapphire Preferred® Card remains a strong choice for individuals who value travel rewards, dining perks, and strong purchase protection.
You can easily begin earning valuable points that can be redeemed for flights, hotels, gift cards, and more.
If you’re ready to get more from your everyday spending while building travel rewards, consider applying today through the official Chase website or at a local branch.
Disclaimer: This article is intended for informational purposes only and does not constitute financial advice. Terms, conditions, rates, and fees for the Chase Sapphire Preferred® Card may change at any time and may vary based on creditworthiness and location. Always consult the official Chase website or a bank representative for the most up-to-date information before applying.
