Chase Sapphire Preferred

Chase's flagship travel rewards card. The signup bonus alone is worth roughly $900 toward travel through Chase's portal, plus 2x points on dining and travel year-round.

• U.S. resident with a valid Social Security Number
• Have not received a Sapphire bonus in the past 48 months
• Fewer than 5 new Chase cards opened in the past 24 months (5/24 rule)
• Good to excellent credit (recommended 700+ FICO)

1. 01
   Apply online

   Submit application through Chase. Decision is usually instant.
2. 02
   Activate the card

   Card arrives in 7–10 business days. Activate by phone or app.
3. 03
   Spend $4,000

   Make $4,000 in purchases within the first 3 months from account opening.
4. 04
   Receive bonus

   60,000 points post to your account 6–8 weeks after meeting the spend requirement.

• Annual fee of $95, not waived first year
• Foreign transaction fee: none
• Variable APR: 21.49% – 28.49%
• Balance transfers do not count toward minimum spend