The Chase Sapphire Preferred Credit Card is designed for those who want more from every purchase, travel points, dining rewards, and exclusive Visa Signature benefits. With no foreign transaction fees and unmatched flexibility, it’s a low interest rate credit card that turns everyday spending into unforgettable experiences.
Issued by Chase Bank, this premium travel card lets you earn up to 5X points on travel and 3X on dining, groceries, and streaming services, while offering 75,000 bonus points after meeting the first 3-month spending requirement. Plus, you’ll enjoy protection, concierge services, and an annual $50 hotel credit through Chase Travel.
Is the Chase Sapphire Preferred good?
Yes — it’s one of the most awarded cards in America. The Chase Sapphire Preferred® has been recognized by NerdWallet, The Points Guy, and Compare Credit as the Best All-Purpose Travel Rewards Credit Card. It combines high earning potential with practical benefits for frequent travelers and everyday users.
With a $95 annual fee, no foreign transaction fees, and a variable APR from 19.74% to 27.99%, it balances premium rewards with accessible value. Points transfer 1:1 to top airline and hotel partners like United, Southwest, Marriott, and Hyatt, offering unmatched flexibility for global travelers.
Pros and cons of the Chase Sapphire Preferred
Before making your decision, it’s important to weigh the pros and cons:
Cons
- Disadvantage: Annual fee of $95 may not appeal to casual users.
- Disadvantage: Requires good to excellent credit for approval.
Pros
- Advantage: 75,000 bonus points after spending $5,000 in the first 3 months.
- Advantage: No foreign transaction fees and strong travel protection benefits.
- Advantage: Flexible redemption options make it one of the most rewarding low interest rate credit cards on the market.
How to apply for my discover credit card it
Applying for the Chase Sapphire Preferred is simple and fully online. Fill out your application on the official Chase website and get a decision instantly, often with the ability to add your card to a digital wallet the same day.
Take advantage of the welcome bonus and travel perks now. Don’t wait to discover why this is one of the best low interest rate credit cards available today.