With the Chase Sapphire Preferred, you’ll earn points faster and redeem them easier. Whether you’re booking flights, dining out, or streaming your favorite shows, this low interest rate credit card makes every purchase more rewarding.
Enjoy premium protection, global acceptance, and the flexibility to transfer points to top travel partners like United MileagePlus, Marriott Bonvoy, and World of Hyatt — all with no foreign transaction fees and powerful Visa Signature protections.
Is Chase Bank good?
Chase Bank is one of the most respected financial institutions in the world, serving over 60 million Americans. Known for innovation, security, and customer support, it offers top-rated mobile banking and 24/7 service that helps cardholders stay in control anywhere in the world.
With decades of leadership in credit and finance, Chase has built trust through transparency, accessibility, and elite reward programs — making it a leading choice for both travelers and new cardholders.
How this card works
The Chase Sapphire Preferred lets you earn Chase Ultimate Rewards points on every purchase. You can redeem them for travel, cashback, gift cards, or experiences at a higher value when using the Chase Travel portal.
With strong earning categories and flexible redemptions, this card stands out among the best discover credit card it options for beginners and experienced travelers alike.
Requirements to apply for this low interest rate credit card
- U.S. residency required
- Valid Social Security Number (SSN)
- Good to excellent credit score (typically 700+)
- No active Sapphire product (Preferred or Reserve)
- Must not have received a Sapphire new cardmember bonus in the past 48 months
Fees for the Chase Sapphire Preferred Credit Card
- Annual Fee: $95
- Foreign Transaction Fees: $0
- Regular Variable APR: 19.74%–27.99%
- Late Payment Fee: up to $40
- Chase Pay Over Time®: Fixed monthly fee (no interest)
- Balance Transfers: Subject to approval and standard rates
Apply for your card online
- Visit Chase.com/SapphirePreferred
- Click “Apply as a Guest” or sign in to your Chase account
- Complete the personal and financial details
- Review terms and submit your application
- Get an instant decision and start using your card digitally
Get approved today!
Take control of your financial journey and unlock luxury travel experiences, flexible rewards, and total protection with the Chase Sapphire Preferred Credit Card.
Join millions of satisfied cardholders who trust Chase for security, convenience, and elite travel value — and start earning faster with one of the best low interest rate credit cards today.