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Chase Sapphire PreferredĀ® Card Review: 100,000 Bonus Points (Highest Ever)

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Brandon

Posted on April 7, 2025 //

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the authorā€™s alone.

The Chase Sapphire PreferredĀ® Card is a premium travel rewards credit card that has gotten very popular due to its useful rewards structure and flexible Ultimate Rewards points that can be redeemed for cash, travel credits, or transferred to airline miles and hotel points. Iā€™ve had it for years. Right now, there is a limited-time offer that matching the highest level ever. Here are the highlights:

  • 100,000 bonus Ultimate Rewards points after you spend $5,000 on purchases in the first 3 months from account opening. Thatā€™s worth $1,250 when redeemed through Chase TravelSM.
  • 5X total points on all travel purchased through Chase TravelSM.
  • 3X points on on dining, including eligible delivery services, takeout and dining out.
  • 3X points on select streaming services. Includes Disney+, Hulu, ESPN+, Netflix, Sling, Vudu, Fubo TV, Apple Music, SiriusXM, Pandora, Spotify and YouTube TV.
  • 3X points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
  • 2X points on all other travel purchases.
  • 1 point per dollar spent on all other purchases.
  • $50 Annual Credit on hotel stays purchased through Chase TravelSM. New cardmembers will start earning towards the credit immediately and existing cardmembers will start earning after their next account anniversary.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
  • 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase TravelSM. For example, 80,000 points are worth $1,000 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs.
  • 10% Anniversary Point Bonus. Each account anniversary, cardmembers will earn bonus points equal to 10% of total purchases made the previous year. That means, $25,000 in spend will earn an additional 2,500 bonus points.
  • No foreign transaction fees.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • $95 annual fee.

Note the following text:

The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months.

Chase has an unofficial rule that they will automatically deny approval on new credit cards if you have 5 or more new credit cards from any issuer on your credit report within the past 2 years (aka the 5/24 rule). This rule is designed to discourage folks that apply for high numbers of sign-up bonuses. This rule applies on a per-person basis, so in our household one applies to Chase while the other applies at other card issuers.

Ultimate Rewards points. This card offers a special 25% bonus on travel redemptions made through the Chase TravelSM site. For example, 60,000 Ultimate Rewards = $750 in travel. 75,000 Ultimate Rewards = $937.50 in travel. Similar to Expedia or Travelocity, you can book flights on most major airlines and hotel chains. This makes it much more flexible to spend your points. You can even buy something more expensive than your points can cover and pay the difference in cash.

If you have other Chase cards that earn Ultimate Rewards points like the Freedom Flex, Freedom Unlimited, Ink Business Cash or Ink Business Unlimited, you can transfer points into this card account and take advantage of the this higher premium. In other words, your existing Ultimate Rewards points balance could be increased in value by getting this card.

The Chase Sapphire Reserve Card is the ā€œultra-premiumā€ rewards card that offers a bigger 50% bonus on travel redemptions, along with more perks and a higher annual fee.

Prefer airline and/or hotel points? This card also allows you to transfer Ultimate Rewards points into hotel and/or airline miles. Transfer to United Airlines, British Airways, Air Canada, Singapore Airlines, Korean Air, Southwest, Hyatt Hotels, IHG Hotels, and Marriott Hotels at a ratio of 1 Ultimate Rewards point = 1 mile/hotel point. Miles redemption continue to offer great value for savvy travelers, especially for last-minute travel and business class seats. I personally use the transfers to ā€œtop offā€ my account to reach a free coach ticket or free hotel night when I donā€™t have enough points otherwise. My favorite options are United miles, Southwest miles, and Hyatt hotel points. I usually try to save up my points for a Hyatt hotel stay that gets me over 2 cents per point value.

Cash redemptions are a simple and easy option at straight conversion of 100 points = $1.

Sharing points. Ultimate Rewards points are instantly transferable to other accounts including family members, as long as they have their own Chase card with Ultimate Rewards as an authorized user. This way, you can pool points together for transfers and redemptions if you like.

Additional card benefits:

  • Primary car rental collision damage waiver insurance. Decline the rental companyā€™s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for most rental cars in the U.S. and abroad. Most other cards only offer secondary coverage that kicks in only after the deductible of your individual insurance policy is used.
  • Trip Cancellation/Trip 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 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 6 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

Bottom line. The Chase Sapphire PreferredĀ® Card is a popular premium travel rewards card with 3X points on dining out and 2X points on travel. Ultimate Rewards points are very flexible, either transferrable to several airline/hotel programs or directly redeemable to offset a hotel/airfare purchase through Chase TravelSM.

Compare with the Chase Sapphire ReserveĀ® Card, which offers a bigger 50% bonus on travel redemptions, along with more perks and a higher annual fee.

This offer is on my list of Top 10 Best Credit Card Bonus Offers.

The information for the Chase Sapphire PreferredĀ® Card has been collected independently by My Money Blog. The card details on this page have not been reviewed or provided by the card issuer.

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the authorā€™s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Source: My money blog.com | Published: 2025-04-08 05:38:00

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