Chase Sapphire Preferred® credit card

Issued by Chase

Annual Fee $0 Intro for 1st yr, $95 after
Regular APR 17.99%-24.99% (Variable)
Open-loop card or Close-loop card

Additional Information

Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
Purchase Intro APR Not Offered
Transfer Intro APR Not Offered
Late Payment Fee See Terms
Returned Payment Fee Up to $38
Cash Advance Rate 26.99% (Variable)
Cash Advance Fee Either $10 or 5% of the amount of each transaction, whichever is greater.
Foreign Transaction Fee No Foreign Transaction Fees
Smart Chip Yes, chip-and-signature

Sign-up Bonus

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®

Rewards

2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.

Application Requirements

Minimum Credit Score Fair
Minimum Age 18 years old

Credit Score

Excellent Credit 18 years old
Good Credit 700 — 749
Fair Credit 640 — 699
Bad Credit 300 — 639
Limited Credit Less than 3 years of credit history

How To Apply for Target Chase Sapphire Preferred® credit card

1. Click the "Apply" button below!
2. Fill out the application with your personal and financial information.
3. Verify and submit your application.

Apply Now

Who Should Apply for Chase Sapphire Preferred® credit card

Individuals who frequently travel and dine out, as the Chase Sapphire Preferred® card offers bonus points for these categories

Those who want to earn valuable travel rewards, as the card's points can be transferred to various airline and hotel loyalty programs

Consumers who can meet the minimum spending requirement to earn the generous sign

up bonus

People who are comfortable paying an annual fee in exchange for premium travel benefits and rewards

Those looking for a credit card with no foreign transaction fees for international travel

Where Can You Use for Chase Sapphire Preferred® credit card

You can use the Chase Sapphire Preferred credit card at millions of merchants worldwide that accept Visa cards, including retail stores, restaurants, and online retailers.

The card also offers travel benefits such as no foreign transaction fees, making it ideal for use while traveling internationally.

Additionally, the Chase Sapphire Preferred credit card can be used to earn points on everyday purchases, which can be redeemed for travel, cash back, or gift cards.

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What Type of Credit Card is Best?

Choosing the best credit card isn't a one-size-fits-all scenario. Each card serves a unique purpose – some for spending, others for borrowing, travel, rewards, and more. To navigate this financial landscape, answer a few key questions to find the perfect card tailored to your specific needs. Let's unravel the credit card puzzle and discover how you can save by having the right card for the right purpose. The best credit card for you depends why you need it:

Cut interest with a balance transfer card

Get points/cash on a reward credit card

And there are others too... our 'how do credit cards work' guide takes you through all the options.

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