What Everybody Ought To Know About The Chase Sapphire Preferred® Card

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[Disclosure:  Emily and I get a referral for the link to the Chase Sapphire Preferred® Card.  As always, thanks for using our links!]

 Link: Chase Sapphire Preferred® Card

I’ve received a lot of email from readers sharing their success (thanks for sending those in!) with the 75,000 AAdvantage offer and asking me if there were any other credit cards which offer similar large sign-up bonuses.

 

Chase Sapphire Preferred card 50000

In my opinion, the next best card – for sign-up bonuses – after the 75,000 AAdvantage mile cards is the Chase Sapphire Preferred® Card with a 40,000 point sign-up bonus.

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card gives you 40,000 bonus points after $3,000 is spent within the first 3 months!  The $95 annual fee is waived in the first year.

What Can You Do With 40,000 Bonus Points?

1)   Use Points Within Chase’s Ultimate Rewards program

There are 2 ways to redeem points within the Ultimate Rewards program.

Non-Travel Redemption:
  • You can get a value of 1 cent per point or $400 if you use your bonus points towards a purchase on your Chase Sapphire Preferred® Card.
  • For example, you made a purchase of $200 at Target.  You can redeem 20,000 bonus points and get a $200 credit on your credit card statement.
  • This is an okay value, but isn’t how I’d use the card.  In effect, you’re getting $400 for 1 credit inquiry on your credit report.
Travel Redemption:
  • You get a 25% bonus if you redeem your points towards a flight, hotel, cruise or other travel through Chase’s Ultimate Reward program.
  • For example, if you redeem 40,000 points towards travel, you will get a value of  $400 + a 25% bonus ($100) for a total of $500.
  • This is a slightly better value, but, again, wouldn’t be how I use the card.  In this case, you’re getting $500 for 1 credit inquiry on your credit report.
  • This may be of use for those who aren’t interested in fancy hotels and just want to save money on travel.

Ultimate Rewards Summary: I wouldn’t use the 40,000 bonus points to redeem for non-travel rewards unless I was really interested in non-travel rewards  – which I’m not since I write a miles and point blog. :)

However, using the 40,000 bonus points on travel rewards through Ultimate Rewards may be fine if I just want to fly within the US in Economy class.  That’s because you can likely get a better value for hotels and international flights if you transfer the points to select partners.

2)   Transfer Points at 1:1 Ratio To Partners

I see great value in some of these options, because you can transfer your points to select airlines and hotels.  You could transfer 40,000 points or miles to:

  • British Airways
  • United Airlines
  • Hyatt
  • Southwest
  • Virgin Atlantic
  • Mariott
  • Ritz Carlton
  • Korean Air
  • Priority Club
  • Amtrak

British Airways (BA): You can use 40,000 BA  miles to fly in Economy class from the US to South America or use 40,000 miles from the US to Asia in Economy class round trip.

United Airlines:  Here is the United Airlines award chart.  United offers 1-way award bookings as well.

Hyatt: 40,000 Hyatt points will get you 2 nights + 6,000 points left over at some of the top Hyatt hotels such as the Park Hyatt in Paris and the Maldives (which otherwise would have cost ~$2,000 for the 2 nights).

We plan on transferring Emily’s points to Hyatt and using them at the Park Hyatt in Paris, because there’s no way we could otherwise afford to stay here!

Check out Hyatt’s award chart here.  Category 3 hotels are only 12,000 points, so you could redeem 48,000 points for 4 nights.  And if each night cost ~$200, you’d get a $800 value!

Category 1 hotels are only 5,000 points so you could get a 10 night stay with your 40,000 bonus points!  That’s a $900 value at $90 per night!

Mariott: Mariott’s award chart is here.  There might be some good value here depending on where you are staying.

Priority Club: Transferring your 40,000 bonus points to Priority Club is a BAD idea, given that you can buy 1 Priority Club point for 0.6 cents per point by using the cash & points trick!

You would get only a $240 value if you transferred 40,000 bonus points (40,000 points X 0.6 cents) to Priority Club.

Amtrak: You can also redeem your points on Amtrak!

By transferring your points wisely, you could get a $800 to $2,000 value for 1 credit inquiry on your credit report.

Transfer Summary: You can get great value (say $800 to $ 2,000) by transferring your 40,000 bonus points to Hyatt or Marriott and then redeeming for hotel nights.

That’s because it is fairly easy to redeem points for hotel nights which cost more than the $500 in travel credit you would otherwise get for redeeming through the Chase Ultimate Rewards Program.

Also, don’t forget to check out the airline values on United and British Airways.

For example, if a ticket costs more than $500, but can be booked by using Continental or British Airways miles, you would be better off if you transferred the miles to Continental or British Airways and then booked an award ticket!

Don’t forget to include the taxes and surcharges in your calculation when you calculate the benefit of using miles to book your ticket!

Additional benefits of the card include:

  • No foreign transaction fees
  • You earn a 7% (point) dividend on all points earned in a year
  • You earn 1 point per $1 spent on all types of purchases, 2 points for travel booked through the Ultimate Rewards, and could get up to 10 points for purchases through the Ultimate Rewards shopping center.

If you do decide to apply, keep in mind that the bonus is only for first time Chase Sapphire Preferred® cardholders.  Chase is very strict about NOT giving the bonus to prior cardholders.  By this I mean, that if you had a previous Chase Sapphire Preferred® Card and cancelled it, Chase is unlikely to give you the bonus again.

Bottom Line: Double points on travel and dining, no foreign transaction fees and a 40,000 point bonus makes this a card worth keeping!

  Link: Chase Sapphire Preferred® Card 40,000 Point Bonus

Don’t forget that each comment made, on any entry in the blog,  up to 7:00 pm CST on June 21, 2011 gets an entry into a drawing for a free TrackItBack luggage tag set worth $50!

For an additional entry, sign up to receive free blog posts via email by 7:00 pm CST on June 21, 2011!  You’ll only get 1 email per day filled with the latest tips on earning miles and points and you’ll also be entered in the random drawing.

* If you liked this post, why don’t you  sign-up to receive free blog posts in your email (only 1 email per day!) or in a  RSS reader …because then you’ll never miss another way to learn about great bonuses on credit cards.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

296 Responses to What Everybody Ought To Know About The Chase Sapphire Preferred® Card

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  4. Chase card has 40,000 bonus points. Points to miles are awarded in a 1:1 ratio. Then how can 50,000 miles be transferred to frequent flyer program?

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  6. @N.Kaufman – It currently has a 40,000 point sign-up bonus, but used to have a 50,000 point sign up bonus.

  7. Darius
    Sapphire has a bonus ok 10K UR points when you reach the $25K spent in a year?
    I had the idea it was so , but I cannot find it now. I may be confused with the UA Chase card.
    You had a list of second bonuses for several CC for big spenders, but I have not been able to find it.

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  9. @luchex – The United Explorer card has the bonus of 10K United miles if you spend $25K within 1 calendar year. Here’s a list to the Big Spender series.

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  19. Hi Darius,
    How many times can you apply for this card and still get the bonus points? How long apart between the applications.? Do you have a strategy if you have to call to request thr promotion again? Thanks somuchin advance for the tips.

  20. Hi Darius, is there a strategy to reapply for this card and still get the promotion points? Thank you in advance for your tips!

  21. Hi Darius,
    I have a question about the 25% more travel reward. I just search an international plane ticket and cost around $1300 to $1600 round trip depends on the day. But if I just get the united miles saver it would be for 32500 one way. Do you think is there anyway to make the 25% reward more useful than booking the int’l ticket?

  22. Hi Darius,
    I was approved for the CSP card back in May, but I immediately cancelled it. I know! At the time, I didn’t think I could come up with the 3k min. spend. So, I call the recon line and converted it to a Marriott Premier card instead. Now I really want the CSP card. How long should I wait before trying to apply for it again. Or did that really count since it was technically only open for less than a few hours. ??? Thanks so much. I’m a travel agent and really love the site! :)

  23. @newmom – You can’t get the bonus again.

    @Skyrod – If you didn’t get the bonus the first time, you could be able to get it when you reapply.

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  25. Where is the Chase Sapphire MASTERCARD link for 40,000 points???

  26. @Jan Ruiz – It isn’t available any more.

  27. Hi Darius!

    Does this card ever have periods where they offer 50k again. I think the business card offered 65k during small business week last year. Thanks.

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  31. this card is about to get even better! can’t wait.

  32. currently I have myself listed as the primary owner and my wife as a authorized user to help me achieve the sign up bonus. Now that were are almost at the 3k spent, can she apply for the card to receive the bonus for herself? Or does being an authorized user cancel her out as a “new” customer. Any help would be appreciated.

  33. Any word if the 50K bonus will come back? Is this something I should wait for?

  34. @Mary – I don’t have any inside information, but it could be possible.

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  36. Online Travel Review has a link for 50K miles plus 5K for adding authorized user.

    I’ve had this card before and closed it over 1 year ago. Can I re-apply again and get the bonus?

    http://www.onlinetravelreview.com/2013/11/18/and-now-the-sapphire-preferred-is-50000-points-plus-5000-for-authorized-user/

  37. @Tobin – The Hot Deals tab on the blog mentions the higher offer as well!

  38. I listed my son as additional card holder and he got the card. Can he use the card and get the same benefits as me?

  39. @Michael – He can use the card, but all purchases will show on your statement. He will also get the double points on travel and dining and no forex transaction fees.

  40. Hi, I keep seeing this phrase “1 credit inquiry on your credit report.”
    What does it mean? thanks!

  41. @Van – A credit inquiry is when you apply for credit and the banks look at your credit report or “inquire” about your credit worthiness.

  42. I am starting to plan for a trip from US to Australia for myself and husband and wanted to inquire about best and fastest strategy using bonus cards. I need to accumulate about 80,000 miles each for the round trip in a Star Alliance member airline.
    Questions: which are the best cards to apply for? Sapphire and united explorer? Should each of us apply independently (instead of being added users)? How can i “churn” the cards so I can get the bonus and then later be able to get it again? No sure on the waiting time before applying again.
    Thanks for all your great wisdom! I just came back from north Asia, with 4 stops for 65k miles and now I am addicted to getting the best deal! (I just need more miles!).

  43. @Alida – Glad you had a nice trip! You should apply independently so that each of you can get the sign-on bonus. I’d suggest the United card with ~50K miles and the Sapphire Preferred because you can transfer points from the Sapphire Preferred to United.

  44. Hi,
    I am planning to fly my family of 5 out to Denver and have a couple of questions to get as many miles as possible. If I was to fly southwest, could i use the sapphire and the southwest credit cards for the same purchase so that I can get both cards miles in one transaction? if not, are there any airlines you can do this? also, where can i find a list of where i can redeem my sapphire points for hotels, rental cars, etc. Thanks!!!

  45. @Andy – You can use both cards to buy the tickets on Southwest Air. Here’s a post on how to use Ultimate Rewards points.

  46. Do you get the reward as soon as you spend $3,000, or do you have to wait for 90 days to pass?

  47. @Craig – The points post once the statement in which you’ve completed the $3,000 in spending closes.

  48. Any confirmation on if people who use to have the VISA version of the Chase Sapphire card and then now apply for the MASTER CARD version of Chase Sapphire card; will we get the bonus again?

  49. Hi Daraius,
    does this mean that if i apply to this and transfer to southwest program along with the 50000 points i already will have from applying for the southwest card, i could end up having enough points to have the companion pass? or does that sound too easy or like a bad idea?

  50. @Sal – The MasterCard version is no longer available.

    @Mav – Unfortunately,transfers from Chase Ultimate Rewards doesn’t count towards the Southwest Companion Pass.

  51. Hi Daraius – last year I converted my Chase Sapphire Preferred to the Chase Freedom – I like the Freedom because of the quarterly bonuses but I really miss the Sapphire card – any idea how long I should wait before reapplying for it….? Any predictions on when/if the points bonus will go up (over the current 40K)……or can I never get the bonus again? (was the 50K with $125 fee considered a different product?)
    thanks for your help!

  52. So i stumbled ontot his website searching the web while deloyed to afghanistan….im blown away
    i was so eager to apply to credit cards i overdid it…..
    i think one thing that is worth mentioning is when applying to a card like the southwest 110,000 points is it is a chase card, so is the british card that offers 40,000 avios…its worth mentioning or at least making sure the person that applies does mor research. i applied for about 7 credit cards within this week and i was initially only approved for two, the frontier card, which will take me to eaither costa rica or jamaica and capital venture card…..
    so i decided to call chase directly and i was told i applied for 5 cards and all were denied/pending which to me equates to denied…lol
    anyway instantly on the phone i was approved for the sapphire card with a pretty heavy limit…instantly happy, they asked why i applied for so many cards, i told them i do a lot of traveling and each card is for a specific airline….they had no problem with that but that their rule is only two cards can be approved in a 30 day period….. so i was given the choice to choose another card…i went with the united one….

    so now im just counting down 30 days until i can aply for another card…..im sure AMEX is totally different but im still doing research on which is best for me, i want to do more international travel and at first 450 platinum card seemed best but after reading you have to go through there website to purchase the ticket didnt seem that reasonable…(being that it be more expensive) im trying to accomplish a business ticket overseas….i have even gone so far as to solicit my friends for their unused flyer miles and that seems to be the quickest ways to get free mile….. united also has the survey program where i sit at a computer answering boring surveys but every mile counts….im shooting for a trip to london from vegas(where im stationed) in a business class flight this summer…..
    anyway i enjoy this blog and you will continue to see me more often learning the tricks of the trade

  53. Faisal Fowler

    So I stumbled onto this website searching the web while deployed to Afghanistan….I’m blown away
    I was so eager to apply to credit cards I overdid it…..
    I think one thing that is worth mentioning is when applying to a card like the southwest 110,000 points is it is a chase card, so is the British card that offers 40,000 avios…it’s worth mentioning or at least making sure the person that applies does more research. I applied for about 7 credit cards within this week and I was initially only approved for two, the frontier card, which will take me to either Costa Rica or Jamaica and capital venture card…..
    So I decided to call chase directly and I was told I applied for 5 cards and all were denied/pending which to me equates to denied…lol
    anyway instantly on the phone I was approved for the sapphire card with a pretty heavy limit…instantly happy, they asked why I applied for so many cards, I told them I do a lot of traveling and each card is for a specific airline….they had no problem with that but that their rule is only two cards can be approved in a 30 day period….. So I was given the choice to choose another card…I went with the united one….

    so now I’m just counting down 30 days until I can apply for another card…..I’m sure AMEX is totally different but I’m still doing research on which is best for me, I want to do more international travel and at first 450 platinum card seemed best but after reading you have to go through their website to purchase the ticket didn’t seem that reasonable…(being that it be more expensive) I’m trying to accomplish a business ticket overseas….I have even gone so far as to solicit my friends for their unused flyer miles and that seems to be the quickest ways to get free mile….. united also has the survey program where I sit at a computer answering boring surveys but every mile counts….I’m shooting for a trip to London from Vegas(where I’m stationed) in a business class flight this summer…..
    Anyway I enjoy this blog and you will continue to see me more often learning the tricks of the trade

  54. @Jackie – You could reapply for it at any time. The current offer is 40K after completing the minimum spending + 5K for adding an additional user.

  55. Just ending my first year with CSP (MC), so will be looking at paying the $95 Annual Fee. Also considering dropping the card and then applying for the CSP VISA — is the VISA still available? I recall reading somewhere Chase was discontinuing either MC or VISA versions of the card.
    Previous to this I had a CSP VISA (with new account bonus) and cancelled it, so I prob. wouldn’t be eligible for another new account bonus., no matter which version of the card I get.
    I’m planning to call CS and request they waive the fee for a 2nd year, but based on my recent experience with an Ink card, I’d only get a few points (2K in the Ink case).
    Another choice would be to downgrade to a regular Sapphire (no AF), but I wonder if later I could _upgrade_ back to a CSP??

    So — what would you advise to get around the AF then?
    Thanks
    Scott

  56. @scott – The MC version is no longer available, but the Visa version is available. You could downgrade to the Freedom and use it for 5X points. If you close the card, don’t forget to transfer your points otherwise you’ll lose them!

  57. Hey Daraius – I’ve been mostly lurking here for awhile, but we have some big trips planned over the next few years so it is time to get serious about this! I love the flexibility of the Chase Ultimate Rewards so we definitely want to max out on them. If I get this card and add my husband as an additional user, could he apply for the card later on down the road?

  58. Thanks for the great info! I used your link today to get my first bonus card intended for travel. Have only done cash back cards in the past. I always thought it seemed like too much work but this breakdown is great, thanks!

  59. @Tera – Congrats and thanks for using our links!

  60. I do most of my flying for work and charge it to the corporate card, but I’ve been looking to add a personal card that can contribute to my miles or points. I normally fly with US Airways and stay at Hiltons. Should I just eliminate this card from contention because of this? Or will the US Airways merger have an impact and allow me to transfer the miles from Chase to British Airways to US Airways through the One World Alliance? If I don’t apply for this card, is there a card that would give similar rewards that I could use?

  61. @Andy – I’d consider the US Air or American Airlines card and the Hilton Reserve cards if those are your travel preferences. That said, you can transfer points from the Sapphire Preferred to United or Hyatt which could be worth checking out!

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  65. I just closed my chase sapphire card last November when the annual fee kicked in. Today I received a mailer for the chase sapphire preferred card offering me the 40k bonus. My question is this are the two cards different and will I be able to get the 40k bonus for the preferred card offer? If they are the same does being direct mailed an offer make a difference in one’s ability to qualify for a particular offer.

  66. hi
    can my husband transfer his chase sapphire points, into my united mileage acct.
    also my son he does not live with as can he transfer his into my united mileage acct.
    thanks
    Chrissy

  67. @chrissy – Your husband can transfer points into your United account.

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  73. You say you get 25% off when booking through UR. Chase website says 20% off. I’m confused which is it?

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  75. @Marty – a 20% reduction is the same as a 25% bonus!

  76. Thanks for the post. If my husband and I were to apply for this card how long should I wait after my husband apply for it? Can I add my name as a authorized user and apply for the same card in a few months?

    I told my husband about this card and earning mileage and he had a question.
    How can you/anyone can continuously earn mileage once you get sign up bonus say in a year/2 year? I see that we can’t cancel the card and re-apply the same card (and get the bonus) and if you have opened 10 other cards with sign up bonuses in a 2 year period how can you get any more mileages enough to get you free tickets year after year? I’m still reading and learning…

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  78. @Kim – You can both apply at the same time if you can meet the minimum spending requirements. There are lots of different cards to apply for!

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  80. Katherine Tucker

    My husband and I got the Sapphire preferred cards last month as we decided to plan a trip for 2015 and we are trying to rack up the miles now so we can reserve RT at business or first class in Oct/Nov. I achieved the min spend for the bonus before the first bill was sent, but they are refusing to credit the bonus, telling me that it can take “8-10 weeks for the bonus points to be credited after meeting the minimum.” I think this is pretty bad policy but cannot find anything anywhere indicating how quickly the earned bonus should post. Any pointers on how to address this? Otherwise, clearly everyone should be warned that Chase won’t be rushing to credit you the points you earned.

  81. They don’t usually give you the points until after statement close date, and it’ s usually a few days after that in my experience it’s been written about quite a bit- this is mo matter how quickly you hit the spend.

  82. Daraius,

    You may wish to add the 5,000 point sign up bonus for an authorized user in the main text of your review.

  83. Captain Hooks

    I am rapidly approaching my one year with the Sapphire Preferred Card, I dont want to pay the hefty annual fee. If I drop down to the Regular Sapphire Card do I still get to transfer points to hotels and airlines? Also what is the annual fee on the Regular Sapphire Card if there is any?

    Thanks in Advance

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  86. Hi there,

    First of all, great website! I have learned a whole lot on it and for that I wanna say thank you! Also I have one question on the 75,000 miles AA advantage sign up bonus credit card, I can’t seem to find the link anywhere (except for the 30,000 miles sign up bonus), can you help me with that? Thanks!

    Best,
    Jerry

  87. @Captain Hooks – You don’t get to transfer to airlines or hotels unless you have the Ink Bold/Plus/Sapphire Preferred. But you can keep your points active with the Sapphire card.

    @Jerry – Welcome! You can find the latest offers here —> http://millionmilesecrets.com/hot-deals/

  88. Hi Daraius!

    If the added authorized user has previously gotten the bonus, are they prevented from getting the bonus again? Or does the rule only apply to the primary cardholder?

  89. @Courtney – If the authorized user had the bonus by applying for the card separately, they usually can’t get the bonus for 2 years.

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  93. Ok, so I am completely new to this! My biggest question is once I apply for the Chase Saphire, how do I continue to earn points? Do I get 1 point per dollar? So I would get 40,000 points for $40,000. Sorry, I’m just SO confused!

  94. I already have a Chase United Card, Amex Green and Amex Starwood. We love to travel so I thought I should get a Chase Saphire Preferred Card. The only question I had was whether this made sense since I had the United Card and points from Ultimate Rewards transfer there. I know Hyatt does as well but Hyatt also had a card and I didnt know if I was overlapping myself too much or what should I do. Any other cards like Barclays? Help!!!

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