Chase Sapphire Preferred Card

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Chase Sapphire Preferred Card
60K points
60K after $4K spend in the first 3 months
Click here to learn how to apply

$95 Annual Fee

FM Mini Review: Great signup bonus. This may be the single best "starter card" for those eager to get into miles & points.


Card Type: Visa Signature

Base
Travel
Dine
Other

Earning rate: 2X Travel and Dining ⚬ 5X Lyft

Noteworthy perks: Primary auto rental collision damage waiver ⚬ Free DashPass for up to 2 years upon activation

See also: Chase Ultimate Rewards Complete Guide

Sapphire Reserve vs Preferred

Prior to the release of the Chase Sapphire Reserve card, the Sapphire Preferred card was one of my favorite travel cards. The card offers 2 points per dollar for all travel & dining purchases, no foreign transaction fees, and primary rental car coverage for only $95 per year.

For an effective rate of only $155 more, you can get the Sapphire Reserve card instead. The Sapphire Reserve card offers 3 points per dollar for travel & dining, better redemption value, lounge access, and more. The advantage of the Sapphire Preferred is the lower annual fee and the fact that authorized user cards are free (the Sapphire Reserve charges $75 for each authorized user).

Chase Sapphire Preferred Application Tips

Chase Application Tips

  • Shut-Down Caution: Signing up for new Chase cards can lead to Chase reviewing your accounts. This may lead to Chase shutting down all of your accounts if you appear to be a credit risk. See this post for details and recommendations: Why Chase shutdowns have increased and how to avoid them.
  • 5/24 Rule: With most Chase cards, you won't get approved if your credit report shows 5 or more cards opened in the past 24 months. Details here.
  • 24/48 Month Rule: With most Chase cards, you can get the same card and bonus again 24 months after having received the bonus as long as you no longer have the card open. With Sapphire cards, you must wait 48 months. No wait is required for Chase Ink cards.
  • 30 Day Rule: It is tough to get approved for more than 2 Chase cards within 30 days
  • Get Same Card Again: You can get the same exact card and again if you first cancel the older card and follow the 24/48 month rule. Ink cards are OK to get again without cancelling previous card if you apply with a new business.
  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.
  • Hard inquiries combine into 1 when approved same day (not always true when mixing business and personal)

Call (888) 338-2586 to check your application status
If denied, call reconsideration here:1-888-270-2127 for both personal and business cards

Should you apply?

The Sapphire Preferred card usually has a terrific welcome bonus.  Interestingly, the Sapphire Preferred bonus is usually better than the bonus for the Sapphire Reserve.  For that reason, it can make sense to sign up for the Sapphire Preferred card even if you really want the Sapphire Reserve.  You should be able to upgrade to the Sapphire Reserve after year simply by calling Chase to request the product change.

If you are eligible (see next section), the welcome bonus on this card makes it a great choice.

Are you eligible?

To get this card you must be under 5/24, you must not be a current Sapphire Preferred or Sapphire Reserve cardholder, and at least 48 months must have passed since you last received a new cardmember bonus for the Sapphire Preferred or Sapphire Reserve card.

Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months.

To determine your 5/24 status, see: 3 Easy Ways to Count Your 5/24 Status. The easiest option is to track all of your cards for free with Travel Freely.

How to apply

You can find the current best welcome bonus offer and application link at the top of this page: Chase Sapphire Preferred.

Application status

After you apply, call (888) 338-2586 to check your application status.

Reconsideration

If your application is denied, I recommend calling for reconsideration (1-888-270-2127). It’s surprising how often denials can be changed to approvals just by asking.

Chase Sapphire Preferred Perks

Premium Ultimate Rewards

Since this is an ultra-premium Ultimate Rewards card, the following rewards are available:
  • Redeem Points for 25% More Value: Points are worth 1.25 cents each when used to book travel through the Ultimate Rewards portal.
  • Transfer Points to Partners: Points can be transferred one to one to a number of airline and hotel loyalty programs.

Travel Benefits

  • No foreign transaction fees

Travel Protections


  • Auto Rental Coverage: Chase offers primary auto rental CDW (collision damage waiver). Here's the description directly from Chase: "Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad."
  • Trip Cancellation / Interruption Insurance: "If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels."
  • Trip Delay Reimbursement: "If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket."
  • Lost Luggage: Reimburses for costs incurred to repair or replace checked or carry-on bags and property within if loss or damage occurs during a covered trip.  Coverage is up to $3,000 per person per trip (or up to $500 for jewelry, watches, cameras, video recorders, and other electronic equipment).
  • Baggage Delay Insurance: "Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.
  • Travel Accident Insurance: When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $500,000

Purchase Protection

  • Extended Warranty: "Extends the time period of U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less."
  • Damage and Theft Protection: "Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account."

DoorDash Food Delivery Benefits


DashPass Free Delivery: Activate your free DashPass membership by 12/31/2020 in order to get 12 months of free delivery for DoorDash orders over $12.

Lyft Rideshare Benefits

5X Rewards: Use your Sapphire Preferred card with Lyft in order to earn 5 points per dollar.  That's 3X points in addition to the 2X points you already earn on travel.

Chase Sapphire Preferred Earn Points

Signup Bonus

This card earns super-valuable Ultimate Rewards points. Here’s the current signup offer:

Refer Friends

Referring friends is often a good way to earn extra points with Chase products, but referral offers come and go over time.  When referral offers are available, Chase sends emails to eligible cardholders with the offer details.  Cardholders can also look for Chase friend referral offers here.

Bonus Spend

Chase Sapphire Preferred Card
Base
Travel
Dine
Other
Earning rate: 2X Travel and Dining ⚬ 5X Lyft

The Sapphire Preferred card offers 2X travel and dining, and 1X everywhere else.

Chase Sapphire Preferred Redeem Points

Cash Back

Cardholders can redeem points for 1 cent each either as statement credits or as cash back. Cash back can be taken as a statement credit or via check or ACH transfer.

Travel

Redeem points for travel: 1.5 cents per point

This option requires that someone in your household has the ultra-premium Chase Sapphire Reserve card. First move (combine) points from your other Ultimate Rewards card to the Sapphire Reserve account. Next, log into Chase under the Sapphire Reserve account, and go to the Chase Ultimate Rewards portal to book your travel. A $500 flight would cost 40,000 points if you used points attached to a premium card (Sapphire Preferred or Ink Business Preferred), but with the Chase Sapphire Reserve it would cost only 33,333 points.

Redeem points for travel: 1.25 cents per point

This option is directly available to anyone with a premium Ultimate Rewards card: Chase Sapphire Preferred, Chase Ink Business Preferred, or the no-longer-available Ink Plus. If you have points with no-fee Ultimate Rewards cards, then move them first to your premium card. Next, log into Chase under the premium account, and go to the Chase Ultimate Rewards portal to book your travel. A $500 flight would cost 50,000 points if you used points attached to a no-fee Ultimate Rewards card, but with your premium card it would cost only 40,000 points.

Details about booking travel through Chase

You can use the Chase Ultimate Rewards portal to book airfare, hotels, cruises, activities, and car rentals. Airfare purchased through the portal still earns airline miles and elite qualifying miles.  Hotels booked this way do not earn hotel rewards.  Worse, hotels booked through the portal often won't offer you elite benefits even if you have status. Unfortunately, Chase switched to an Expedia-backed portal and removed some ultra low cost carriers. For example, you can no longer book Spirit Airlines or Southwest through Chase Ultimate Rewards.  There is a work-around for some carriers though.  Please see this post for details: How to book the cheapest flights with Chase Ultimate Rewards.

Travel protections apply

When you pay with points for travel, Chase's automatic travel protections do apply.  So, you can be covered for things like car rentals, trip delays, trip cancellation & interruption, lost luggage, etc.  The coverage you receive will be based on which card's rewards were used to book the trip. For example, if you have both a Chase Sapphire Preferred and a Sapphire Reserve, you would want to move your Ultimate Rewards points from the Preferred to the Reserve and then use the Reserve points to book your trip. You will get both better value (1.5 cents per point) and better travel protections.  See: Sapphire Reserve Travel Insurance.

Transfer points

The best use of Ultimate Rewards points, in my opinion, is to transfer points to airline and hotel partners in order to book high value awards.  Your best bet is usually to wait until you find a great flight or night award before transferring points. Points transfer at a ratio of 1:1 as shown in the list of transfer partners below. Keep in mind that while transfers are instantly posted to most loyalty programs, transfers to Singapore Krisflyer and Marriott Bonvoy are not instant.

Move points to premium or ultra-premium card first

You cannot transfer points directly from a no-fee Chase Ultimate Rewards card to airline and hotel partners, but you can move points first to a premium card (Sapphire Preferred or Ink Business Preferred, for example) or ultra-premium card (Sapphire Reserve) and then transfer the points to airline or hotel partners.  Points can be transferred to the loyalty accounts of the primary cardholder or any authorized user on the account. Points can also be transferred to the loyalty account of a joint business owner, but they do need to be an authorized user on the associated business account.

Transfer Partners

Rewards ProgramBest Uses
Air France KLM Flying BlueMonthly Air France Promo Awards often represent very good value. Air France miles can be used to book Sky Team awards, including Delta awards.
AviosWhile flights on British Airways itself often incur outrageously high fuel surcharges, many BA partners charge low or no fuel surcharges. Great value can be had in redeeming BA points for short distance flights. Iberia offers very low award prices on their own flights. Round trip partner awards can offer good value under some circumstances as well. Fuel surcharges are often lower than when booking through British Airways. Aer Lingus shares the "Avios" currency with British Airways and Iberia. In most cases it is best to move points to one of those programs in order to book awards for less.
Emirates SkywardsEmirates has different award charts for each airline partner. Sometimes they allow one-way awards, sometimes they do not. In general, award prices are fairly high, but there are a few sweet spots such as New York to Milan for 90K round trip in business class.
HyattUse for Hyatt free nights or points + cash nights. Hyatt points are often worth at least 1.7 cents each towards free nights, but they’re sometimes worth far more. One hidden bonus: award nights are not subject to resort fees.
IHG
JetBlueJetBlue points offer the most value when cheap ticket prices are available and when award taxes are high relative to the overall cost of the ticket (more details can be found here). The JetBlue Plus Card and the JetBlue Business Card offer a 10% rebate on awards, so you can get more value by holding one or both cards.
Marriott Bonvoy5th Night Free awards
Singapore Airlines KrisFlyerUse to book Singapore Airlines First Class awards (generally reserved for their own members) or for Star Alliance awards. Low change fees and no close-in booking fees make this a very good program for booking United Airlines flights.
Southwest Rapid RewardsAward flights are fully refundable. Point values vary due to certain taxes not being charged on awards, but tend to average around 1.5 cents per point.
United MileagePlusEven though Singapore Airlines miles have a number of advantages over United miles for booking Star Alliance flights, United has advantages too. For one, it is possible to book most Star Alliance awards online at United.com. Additionally, United awards sometimes cost fewer miles with United than with Singapore (especially premium awards on United’s own flights). And, most importantly, United never charges fuel surcharges for awards. In some cases, United is far cheaper than Singapore Airlines for this reason alone.
Virgin Atlantic Flying ClubVirgin Atlantic miles can be usefully thought of as a way to get a discount off Virgin Atlantic flights (high fuel surcharges make the flights far from free), but there are some better uses. Use miles to upgrade paid flights or to fly partner airlines. A fantastic use is to fly ANA in business or first class thanks to Virgin’s generous ANA partner award chart. Or, if you can find saver level Delta awards for nonstop international travel, you can often book through Virgin Atlantic far cheaper than with Delta directly.

Other ways to redeem points

Through the Ultimate Rewards portal you can redeem points for cash back, gift cards, merchandise, or experiences.  With this approach you'll usually get 1 cent per point value.  One exception is that Chase occasionally offers gift cards at a discount so you may be able to get better than 1 cent per point value during a gift card sale.
You can also use points to pay some merchants directly (Amazon.com, for example or via Chase Pay).  Don't do this.  These options offer very poor value. Further, they may compromise the security of your account (i.e. if someone hacks into your Amazon account, they might spend your Ultimate Rewards points - causing you a headache in getting your points reinstated).

Chase Sapphire Preferred Manage Points

Combine Points Across Cards

If you are the primary account holder with multiple cards, you can freely combine Ultimate Rewards back and forth between your accounts.  Your points can then be redeemed according to the card to which you move them.  For example, if you have the no-fee Ink Business Cash card and the ultra-premium Sapphire Reserve card, you can earn 5X points per dollar on office supply purchases (or on gift cards purchased at office supply stores) with the Ink Card and then move those points to your Sapphire Reserve account to redeem them for 1.5 cents per point towards travel.
If you intend to cancel a Chase Ultimate Rewards card, you should first combine your points with a card you intend to keep active. Once you cancel, you will forfeit any unused points in that account (See: My 90,000 Ultimate Rewards Points mistake). A product change should not affect your balance, but some people prefer moving points before a product change as well just to be safe.

Share Points Across Cardholders

Chase allows customers to transfer Ultimate Rewards points to any other account in that customer's name or to one additional household member or joint business owner (for free).
share Chase Ultimate Rewards with friends Why this is valuable:
  • You earn points with the card offering the best return on purchases and then use points with the card offering the best redemption rate.
  • Only one member of your household needs to maintain a premium card for transferring to partners or booking travel (though note that the primary cardholder can only transfer points to partner loyalty programs in the name of the primary cardholder or authorized users).

Transfer difficulties? Create a loop

If you have trouble transferring between accounts, some users have been able to combine points between their own accounts — like from Bob’s Ink Business Cash to Bob’s Sapphire Reserve — via secure message.
However, you may run into an issue if you try to connect more than one of your cards to a single card that belongs to someone else. Chase allows you to combine/transfer to someone else who lives in your household (or a co-owner of your business for business cards), but I’ve had complications with this from time to time.
For example, let’s say that Joe and Suzy live in the same household and are joint owners of a business and have the following accounts:

Joe first combines points from his Freedom Unlimited to Suzy’s Sapphire Reserve. Later, he logs into his Ink Business Cash account and tries to combine points with Suzy’s Sapphire Reserve. Joe may run into an error adding Suzy’s Sapphire Reserve card to combine points. This has happened in our household several times. In that case, Joe should log into his Freedom Unlimited account and remove Suzy as a household member (click “remove saved card). About 24 hours later, he should be able to add Suzy to his Ink Business Cash in order to combine his points to her account.
The easy solution I’ve found is to create a loop. In the example scenario they should transfer like this:
Joe’s Freedom Unlimited —> Joe’s Ink Business Cash —> Suzy’s Sapphire Reserve —> Joe’s Freedom Unlimited
Creating a loop chain has solved that problem in my household. As noted, it took 24 hours after removing accounts to re-add them to other cards, so be aware of that limitation.

How to Keep Points Alive

Thankfully, it is very easy to keep Chase Ultimate Rewards points alive: simply keep the points in an open Ultimate Rewards account and they will not expire. Note that if you close an Ultimate Rewards card, you will lose any points associated with that card. You should first combine points to move points away from the card you intend to close and to another card that will remain open as per the sharing section above before canceling. See: My 90,000 point Ultimate Rewards mistake. See also: A checklist for cancelling credit cards.

Chase Sapphire Preferred Lifecycle

How to meet minimum spend requirements

Once you are approved for a Chase card, you have three months to meet the required spend in order to get the signup bonus. If your usual spend isn’t enough, consider using the Plastiq bill pay service to use your card to pay bills that can’t usually be paid by credit card (rent, mortgage, contractors, etc.). Click here to find many more options for increasing credit card spend.

Keep, cancel, or product change?

Is this card worth keeping in the long run? If you get a lot of value from the card’s 2X spend categories, and the ability to transfer points to airline and hotel partners, and fee-free authorized users, then it may be a long-term keeper.  Others may find that the Sapphire Reserve card is a better fit.

Related Cards

Ultimate Rewards Consumer Cards

Chase Freedom

FM Mini Review: Great for 5X categories. Good companion card to Sapphire Reserve or Sapphire Preferred.


Card Type: Visa Signature or Platinum

Base
Grocery
Shop

Earning rate: 5X Lyft ⚬ 5X in rotating categories on up to $1,500 spend per quarter. Q3 2020: 5X Amazon and Whole Foods

Noteworthy perks: Free DashPass for up to 3 months upon activation

See also: Chase Ultimate Rewards Complete Guide

Chase Freedom Unlimited

FM Mini Review: Great to earn 1.5X Ultimate Rewards in categories with no bonuses. Excellent companion card to Sapphire Reserve or Sapphire Preferred!


Card Type: Visa Signature or Platinum

Base
Other

Earning rate: 1.5X on all purchases ⚬ 5X Lyft

Noteworthy perks: Free DashPass for up to 3 months upon activation

See also: Chase Ultimate Rewards Complete Guide

Chase Sapphire Preferred Card
60K points
60K after $4K spend in the first 3 months

$95 Annual Fee

FM Mini Review: Great signup bonus. This may be the single best "starter card" for those eager to get into miles & points.


Card Type: Visa Signature

Base
Travel
Dine
Other

Earning rate: 2X Travel and Dining ⚬ 5X Lyft

Noteworthy perks: Primary auto rental collision damage waiver ⚬ Free DashPass for up to 2 years upon activation

See also: Chase Ultimate Rewards Complete Guide

Chase Sapphire Reserve Card
50K points
50K after $4K spend in 3 months

$550 Annual Fee

FM Mini Review: Excellent all-around card for frequent traveler. Best when paired with no-fee Chase Freedom, no-fee Freedom Unlimited & no-fee Chase Ink Cash


Card Type: Visa Infinite

Base
Travel
Dine
Other

Earning rate: 3X Travel and Dining ⚬ 10X Lyft

Noteworthy perks: $300 Annual Travel Credit ⚬ Points worth 1.5 cents each towards travel ⚬ Primary auto rental collision damage waiver ⚬ Priority Pass Select lounge access ⚬ $100 Global Entry fee credit ⚬ $60 annual DoorDash credit in 2020 & 2021 ⚬ Free DashPass for up to 2 years upon activation ⚬ One year Lyft Pink membership ⚬ Earn 10X on Lyft spend

See also: Chase Ultimate Rewards Complete Guide

Ultimate Rewards Business Cards

Chase Ink Business Cash Credit Card

FM Mini Review: This one should be in everyone's wallet. Incredible signup bonus for a no-fee card. Great card for 5X categories. Excellent companion card to Sapphire Reserve or Sapphire Preferred!


Card Type: Visa Signature Business

Base
Dine
Gas
Phone
Office
Other

Earning rate: 5X office supplies ⚬ 5X cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ⚬ 2X gas and restaurants ⚬ 5X Lyft

See also: Chase Ultimate Rewards Complete Guide

Chase Ink Business Preferred Card

FM Mini Review: Great card for signup bonus and 3X categories. Also consider the no-fee Chase Ink Cash for its 5X categories, and the no fee Ink Business Unlimited to earn 1.5X everywhere.


Card Type: Visa Signature Business

Base
Travel
Phone
Biz
Other

Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year) ⚬ 5X Lyft

Noteworthy perks: ⚬ Points worth 25% more when redeemed for travel ⚬ Cell phone protection against theft or damage

See also: Chase Ultimate Rewards Complete Guide

Chase Ink Business Unlimited

FM Mini Review: Great to earn 1.5X Ultimate Rewards in categories with no bonuses. Excellent companion card to Ink Business Preferred, Sapphire Reserve or Sapphire Preferred!


Card Type: Visa Signature Business

Base
Other

Earning rate: 1.5X on all purchases ⚬ 5X Lyft

See also: Chase Ultimate Rewards Complete Guide

Chase Ink Plus® Business Credit Card

FM Mini Review: Great card for 5X categories!


Card Type: Visa Signature Business

Base
Travel
Gas
Phone
Office
Other

Earning rate: ⚬ 5X office supplies, 5X cellular/landline/cable ⚬ 2X gas and hotels ⚬ 5X Lyft

See also: Chase Ultimate Rewards Complete Guide

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[…] Points can be transferred from premium Chase Ultimate Rewards cards including Sapphire Reserve, Sapphire Preferred, and Ink Business Preferred.  If you have points in a no-fee card, you can move those points first […]

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[…] Ultimate Rewards points per dollar for all spend. Pair with a premium card (e.g. Sapphire Reserve, Sapphire Preferred, Ink Business Preferred, etc.) to transfer points to several airline or hotel […]

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[…] I could have gotten a maximum of $2,000 in value out of my 160,000 Ultimate Rewards points as a Chase Sapphire Preferred holder — redeeming at 1.25 cents per point). By instead transferring my points to United and […]

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[…] a couple of terrific referral offers for those who refer friends to the Chase Freedom card or the Chase Sapphire Preferred. Both offers may be targeted, but it is worth checking to see if you have them […]

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[…] Chase Sapphire Preferred: 55K points. 50K after $4K spend + 5K for adding an authorized user […]

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[…] Chase Sapphire Preferred: 50K after $4K spend in 3 months + 5K for adding authorized user […]

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[…] no longer sign up for a second Sapphire card.  Previously it was possible to sign up for both the Sapphire Preferred and Sapphire Reserve cards in order to get both signup […]

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[…] partner, or another in your household has a premium Chase Ultimate Rewards card (Sapphire Reserve, Sapphire Preferred, Ink Business Preferred), you can move your points to that account and then get better value from […]

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[…] Chase Sapphire Preferred […]

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[…] our Best Offers page or our Chase Sapphire Preferred card page for more information and a link to this […]

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[…] Ultimate Rewards if you were targeted for the promotion. The email shown above was received by a Chase Sapphire Preferred holder, but reddit also has reports of Chase Freedom and Chase Freedom Unlimited holders receiving […]

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[…] points to a premium card (Sapphire Preferred, or Ink Business Preferred, for example) and purchase travel through the Chase Ultimate Rewards […]

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[…] Chase Sapphire Preferred: 2X Travel & […]

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[…] joint business owner (e.g. from your Freedom to your Sapphire Reserve or from your partner’s Sapphire Preferred to your Ink Business Preferred, etc). We have received a report from a trusted source that Chase is […]

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[…] Ultimate Rewards portal or send them to Chase transfer partners via any of the premium Chase cards (Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred) makes it an incredible deal in my […]

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[…] a direct link to this offer on our Best Offers page or a link and more information on our Chase Sapphire Preferred […]

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[…] Chase Sapphire Preferred ($95/year) 1X base, 2X travel & dining […]

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[…] Ultimate Rewards points per dollar for all spend. Pair with a premium card (e.g. Sapphire Reserve, Sapphire Preferred, Ink Business Preferred, etc.) to transfer points to several airline or hotel […]

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[…] looking at the 60K bonus as its $600 cash value or even $750 value when used towards travel with a Sapphire Preferred card or $900 when used for travel with a Sapphire Reserve card, I think this bonus isn’t all […]

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[…] want to unlock the power of those points as Ultimate Rewards, you’ll need to have a premium (Chase Sapphire Preferred or Ink Business Preferred) or ultra-premium (Chase Sapphire Reserve) card. Thankfully, it’s […]

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[…] bonus Ultimate Rewards points when you spend $50 or more on a Chase Sapphire, Sapphire Preferred, or Sapphire Reserve card (Direct […]

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[…] Pay though December 31, 2018 when you pay via those apps with your Chase Freedom Unlimited, Chase Sapphire Preferred, Chase Sapphire Reserve, or Amazon Rewards or Amazon Prime cards. That is in addition to any […]

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[…] Chase Sapphire Preferred, Ink Business Preferred, or Ink Plus: 1.25 cents per mile.  Each of these Chase cards offer 1.25 cents per point value towards travel booked through the Chase Ultimate Rewards portal.  When you transfer points to airline miles or to hotel programs, you are giving up 1.25 cents in travel per resulting mile. […]

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[…] available online. See our Chase Sapphire Preferred card page to learn more and find a […]

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[…] option requires that someone in your household has a premium Ultimate Rewards card: Chase Sapphire Preferred or Chase Ink Business Preferred.  First move (combine) points from your Ink Business Cash card […]

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[…] That’s because you’ll either get 1.25c per point in value towards flights with the Chase Sapphire Preferred or 1.5c per point with the Chase Sapphire Reserve. You could alternatively transfer Ultimate […]

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[…] points per dollar for all spend. Pair either one with a premium card (e.g. Sapphire Reserve, Sapphire Preferred, Ink Business Preferred, etc.) to transfer points to several airline or hotel […]

kayexelate
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kayexelate

If I have the chase business ink preferred, can I change products to the Chase Sapphire Preferred Card (or another chase card) and receive the sign up bonus?

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[…] Sapphire Preferred:  This one has a lower annual fee ($95) and offers free authorized user cards.  2X for travel & dining. Points are worth 1.25 cents each towards travel.  Points can be transferred to airline and hotel partners.  Very good automatic travel protections (including primary rental car collision waiver), but not as good as the Sapphire Reserve.  One of the best features of this card is that you should be able to upgrade it seamlessly to the Sapphire Reserve if you ever need the extra features of that card. […]

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[…] Sapphire Reserve: Earn 3X Ultimate Rewards points for travel & dining.  Points worth 1.5 cents each towards travel.  It may make sense to start with the Sapphire Preferred card (since it has a higher signup bonus) and then upgrade to the Sapphire Reserve later. […]

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[…] Sapphire Reserve: Earn 3X Ultimate Rewards points for travel & dining. Points worth 1.5 cents each towards travel.  Points are transferable to a number of airline and hotel programs. It may make sense to start with the Sapphire Preferred card (since it has a higher signup bonus) and then upgrade to the Sapphire Reserve later. […]

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[…] the perks I consider most valuable.  For full details about card perks and more, see our guides to Chase Sapphire Preferred and Chase Sapphire […]

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[…] If you want the Sapphire Reserve you might be better off applying for a different card… the Sapphire Preferred.  It should then be possible to upgrade to the Sapphire Reserve […]

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[…] or Sapphire Reserve in order to sign up for either card again.  So, if you sign up now for the Sapphire Preferred 60K offer, you’ll be out of luck if Chase later reintroduces their 100K offer for the Sapphire […]

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[…] points since they can transfer 1 to 1 from Chase points if they have the Chase Sapphire Reserve, Sapphire Preferred, Ink Plus, or Ink Business Preferred […]

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[…] Chase Sapphire Preferred cardholders will be able to redeem points towards a statement credit used to offset purchases at grocery stores, home improvement stores and dining establishments from May 31 through Sept. 30 at a value of 1.25c per point. […]

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[…] has reported some data points indicating that it is possible for one person to hold both the Chase Sapphire Preferred and Chase Sapphire Reserve card at the same time. I don’t think most people would be […]