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Updated December 2, 2019 4:13 AM PT

Chase Sapphire Preferred Benefits

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Maximize the benefits of Chase Sapphire Preferred. It has benefits you may not know about. Don't waste these 15+ valuable perks.

Chase Sapphire Preferred
Apply for Chase Sapphire Preferred Card
With 2x points on travel and dining, 1:1 transfer to airline and hotel partners, and a luxurious metal design, the Chase Sapphire Preferred is one of the most popular travel reward cards on the market.

Chase Sapphire Preferred current sign up bonus is worth $750 in travel. Here is how it works: You earn 60,000 bonus points after spending $4,000 within the first 3 months. 60,000 points is worth $750 in travel through Chase's travel portal.

It also comes with a long list of lesser-known travel benefits and protections. Read on to learn about:

Card Overview

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel

See more benefits >>

It's easy to see why Chase Sapphire Preferred is one of the best travel rewards credit cards. Read on for our guide to its perks.

With this card, you get 24/7 direct access to a customer service specialist. So you can call anytime you have questions about your benefits. Just call the number on the back of your card.

Earn 60,000 Bonus Points

Earning & Redeeming Points

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1. Large Sign-Up Bonus ($750+ Value)

You earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

That's $750 value when you redeem your points for travel through Chase Ultimate Rewards. This is one of the largest welcome bonuses offered by any credit card.

If you transfer points to airline partners, 60,000 points can be valued even more. For example, 60,000 points can be traded in for a round-trip award flight from the US to Europe.

2. Double Points on Travel & Dining

The card earns valuable Chase Ultimate Rewards points. You earn:

  • 2x points on travel
  • 2x points on dining at restaurants worldwide
  • 1x point on all other purchases

Ultimate Rewards (UR) points are so valuable because they can be combined among the UR cards. Premium cards (like the Sapphire Preferred) allow you to use points for higher value towards travel, which we'll go over below.

Chase also has a very broad definition of what counts as travel purchases:

  • Airlines
  • Hotels, motels, and homestays (like Airbnb)
  • Timeshares
  • Campgrounds
  • Car rentals and rideshares (like Uber and Lyft)
  • Cruise lines
  • Travel agencies and discount travel sites
  • Trains, buses, limos, and ferries
  • Tolls, bridges, and highways
  • Parking lots and garages

3. 25% More Value on Chase Travel Portal

You get a discount when you book travel on the Ultimate Rewards travel portal using your points. Your points are worth 25% more value. This means that 10,000 points are equal to $125 (instead of the normal $100).

Chase's travel portal allows you to book travel purchases such as:

  • Flights
  • Hotels
  • Car Rentals
  • Cruises
  • Activities (tours)

You can book travel on Ultimate Rewards with any airline, for any dates. You don't have to worry about seat restrictions or blackout dates.

You can even use a combination of cash and points if you don't have enough for a trip, or just want to save some points.

Chase Sapphire Preferred Benefits login: You can log in to your account 2 ways:

  • Go to Chase's main page: chase.com. Once you've logged in, click on "Redeem Rewards" on the right.
  • Directly log in to your Ultimate Rewards page through ultimaterewardspoints.chase.com

4. 1:1 Transfer to Airline and Hotel Partners

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Points can be transferred to partner airline and hotel programs at a full 1:1 value and with no fees. This will often earn the best value and reward redemption rate.

For example, 50,000 points = $625 on the Chase travel portal. OR they can be traded in for 2 round-trip flights from Los Angeles to Hawaii (which can cost more).

Airline transfer partners include:

  • Southwest Airlines
  • United Airlines
  • JetBlue
  • British Airways
  • Air France
  • Singapore Airlines
  • Emirates
  • Aer Lingus
  • Iberia Airlines
  • Virgin Atlantic

Hotel partners include:

  • Marriott Bonvoy
  • World of Hyatt
  • IHG Rewards Club

See our detailed guide on the best ways to use Chase's travel partners.

5. No Foreign Transaction Fees

There are no foreign transaction fees. You can make charges abroad without worrying about incurring extra fees.

Remember that you get 2x points spent on travel and dining purchases worldwide. So this is an ideal card to bring when traveling to rack up some points.

Car & Car Rental Benefits

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You get great travel protections if you're planning on renting a car. We'll explain below.

6. Primary Car Rental Insurance

Perhaps the most useful of all its benefits, Chase Sapphire Preferred offers primary - not secondary - collision and damage insurance for most rental cars when you pay the entire eligible car rental fee in full.

This means you don't have to file a claim with your own car insurance company. You must decline the rental company's collision and damage insurance (which will save you some money as well).

You're covered up to the actual cash value of the car for theft and collision in the U.S. and abroad. Note: this does not include expensive and exotic car models. The rental must not exceed 31 days.

Note that this benefit does NOT cover personal liability, which is protection against damage and injuries to others while driving the rental car.

This benefit is a reimbursement. The rental company will first charge you for the damage. Once Chase reviews and accepts the claim, they'll reimburse you. You'll have to float the cost during the claims process.

Read more in detail about the Preferred's rental car insurance coverage.

How to file a claim:
If your rental car received damage or was stolen on your trip, you must report the incident within 60 days. Remember to take photos of the damage and accident scene.

The easiest way is to file the claim online through eclaimsline.com or you can request to have the form mailed to you. You MUST send the claim form within 100 days.

7. Roadside Assistance

Whether at home or on a trip, if you ever find yourself stuck on the side of the road, Chase has a 24-hour roadside service hotline offering:

  • Towing up to 5 miles
  • Jumpstarting
  • Tire change (provided you have a spare)
  • Locksmith services
  • Gas fill-ups up to 5 gallons

Note: these services are NOT free.

Chase's hotline number is 1-800-847-2869.

Travel Benefits

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When you use your Preferred card to book travel with common carriers (like airlines, buses, cruises, and trains), you're automatically offered many travel protections if your trip goes wrong.

8-9. Trip Cancellation & Delay

  • Trip Cancellation/Interruption
    If you've paid for your trip with the card, you and your immediate family members can get reimbursed up to $10,000 if your eligible trip is interrupted by weather, illness, or other covered circumstances.

    This applies for pre-paid, non-refundable travel purchases, including airfare, hotels, and tours.

    Covered circumstances include (among others):

    • Illness or accidental injury
    • Severe weather
    • Call to jury duty
    • Finding your accommodation to be uninhabitable

    Situations NOT covered for cancelled trip include: having a pre-existing condition, change in plans or financial situation, self-inflicted injury, or participating in any professional sporting activity.

  • Trip Delay Reimbursement
    If your common airline is delayed more than 12 hours or overnight, you are covered up to $500 each person for eligible expenses such as lodging, meals, and toiletries.

10-11. Lost & Delayed Baggage

  • Lost Luggage Insurance
    You and your immediate family members can be reimbursed for check-in or carry-on luggage that is damaged or lost by the airline.

    You are covered up to $3,000 per passenger (including up to $500 per person for jewelry, watches, and electronics).

  • Baggage Delay Insurance
    If your baggage is delayed for over 6 hours after you arrive, you can be reimbursed up to $100/day for 5 days for essential purchases, such as toiletries and clothing.

What credit cards are best for travel?
This depends on what kind of traveler you are and what you want. Our favorite credit cards for travel rewards are:

12. Travel Accident Insurance

When you pay for a trip with your card, you and your immediate family members are eligible to receive accidental death or dismemberment coverage. There are two types of travel accident insurance:

  • Common Carrier Travel Accident Insurance
    This covers losses when you are entering, exiting, or riding in a common carrier (airline, bus, train or cruise). You can receive up to $500,000 for a covered loss.

  • 24 Hour Travel Accident Insurance
    This covers losses starting from the departure date printed on your scheduled airline ticket and ending on the return date printed on the ticket. You can receive up to $100,000 for a covered loss.

Does the Chase Sapphire Preferred card offer medical benefits?
No, the Preferred card does not offer emergency medical care if you get sick or hurt on a trip. The Reserve card offers up to $2,500 in emergency medical care, as well as up to $100,000 coverage for emergency evacuation.

13. Emergency Assistance Referral

If you ever need emergency help while away from home, Chase will provide referrals and assistance for free. This includes:

  • Referring you to English-speaking doctors or hospitals
  • Referring you to English-speaking attorneys or U.S. embassies or consulates
  • Arranging for emergency transportation home or to a hospital
  • Transporting vital documents you may have left at home
  • Arranging for delivery of a replacement ticket

You WILL have to pay for the cost of these services. But the assistance and referrals are free of charge.

Chase Sapphire Preferred Travel Benefits

Wondering how the Chase Sapphire Preferred benefits stack up against Sapphire Reserve? Chase Sapphire Reserve offers airport lounge access and Global Entry application fee credit. These are great perks for frequent travelers.

Read more about Chase Sapphire Reserve card benefits.

Purchase Benefits

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14. Purchase Protection

On most purchases with the card, you are covered up to $500 if the eligible item is damaged or stolen within 120 days from purchase.

If the item was stolen, you must file a police report within 48 hours of the theft. If the item is damaged, the reimbursement will be for the cost of repair or replacement (for up to $500).

15. Extended warranty

For eligible purchases with a U.S. warranty of 3 years or less, you get an additional one year warranty added when you purchase the item with card.

You also get up to $10,000 per claim, with a maximum $50,000 per account. Make sure you keep the receipts to take advantage of this benefit.

Chase Sapphire Preferred Purchase Benefits

Note: Chase Sapphire Preferred no longer offers price protection and return protection for purchases.

Previously, price protection allowed you to claim the difference if you bought an item and the price drops within 90 days of purchase. Return protection used to refunded you the money if you wanted to return an item within 90 days of purchase and the store refused to take it back. These card benefits were discontinued.

Other Benefits

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16. Visa Signature Concierge Service

The Preferred card offers Visa Signature Concierge Service 24 hours a day. This service can help you with requests like:

  • Finding tickets to sports and entertainment events
  • Making dinner reservations
  • Arranging for gifts to be sent
  • Making travel arrangements for your trip

The number for the concierge is 1-800-953-7392. Note that while the service is free, you'll have to pay for the cost of anything you purchase through them.

You also have 24/7 access to a Benefits Administrator. Simply call the number on the back of your card.

17. $0 for Authorized Users

There is no annual fee for additional users to your card account. You can add as many authorized users as you want.

Authorized users also get primary car rental insurance. They also get 2x points spent on travel and dining, so they can help you spend more and rack up points faster.

18. VIP Events

You get exclusive access to music, sports, entertainment, and dining events. These could include Sundance Film Festival and private dinners with world-renowned chefs.

You can pay for the events with your Ultimate Rewards points. The redemption rate will depend on how much you value the experience.

What is Chase Ultimate Rewards?

Chase Ultimate Rewards is one of the best credit card rewards programs. It offers strong points value and flexible redemption options. Premium cards, like the Sapphire Preferred, offers more value on travel redemption. You can use your points for higher value when you book travel through Chase or transfer to airline partners.

There are also lots of ways to earn extra points, so racking up more points is even easier.

Can I transfer my Chase Freedom points to Sapphire Preferred?
Yes. The Chase Freedom card is part of the Ultimate Rewards family, so you can combine points. It's a smart idea to do so, as transferring points to Sapphire Preferred will allow you to use them for travel at higher value.

To combine points from multiple Ultimate Rewards credit cards, you simply:

  • Log into your Chase account
  • Go to the Ultimate Rewards page
  • Select the card from which you want to transfer your points

Once you're in the dashboard for that card, you'll find the "Combine Points" on the top menu. Just select the card you want to transfer points.

Chase offers you several ways to redeeming your Ultimate Rewards point, too. With the Preferred card, it's even more rewarding since you can transfer to airline and hotel partners for better value.

You can even transfer points to yours spouse or domestic partner IF your accounts are in good standing.

Chase Sapphire Preferred login: The login to your account is right on Chase's home page: chase.com. When you've logged in with your username and password, you'll be able to access all your Chase credit card accounts. You can combine points between Ultimate Rewards cards from there.

How to Redeem Chase Ultimate Rewards Points

One of the best features is that Chase Sapphire Preferred allows you to use points for travel for higher value. Here are the redemption options:

  • Book travel through Chase Ultimate Rewards at a discount. When you book travel with points through the Chase travel portal, you receive a 20% discount. Each point is worth 1.25 cents (10,000 points = $125).

  • Transfer to travel partners. You can transfer your points 1:1 to a number of airline and hotel partners, including United, Southwest, Jetblue, and Hyatt. You can get maximum value out of your points.

  • Get cash back. You can redeem points for statement credit or direct deposit into your bank account, but only at the rate of 1 cent = 1 point (10,000 points = $100).

  • Exchange for a gift card. For a 1:1 exchange, you can get a gift card from your favorite retailer. Most merchants require that you trade in at least 2,500 points for a $25 gift card.

  • Pay on Amazon. The perk here is easy checkout, but the points are only valued at 0.80 cents each (instead of 1:1).

  • Buy an experience. You can also trade in your points for an experience at a 1:1 exchange with Chase's Exclusive Events, including fine dining, entertainment, and sports. The value depends on how much you value the experience.

Learn the best ways to redeem Ultimate Rewards points.

How much is 60,000 Chase points worth?
60,000 Chase Sapphire Preferred points is equal to $600 in cash back, or $750 when redeeming for travel on the Chase travel portal (25% more value). If you transfer to airline partners, 60,000 points can be worth even more.

For example, you could get 2 round-trip flights from Los Angeles to Hawaii (with British Airways for 50,000 miles), which can cost $1000+. It can also be worth a round-trip flight to Europe on United Airlines with no surcharge.

Earn Points Fast With the Chase Shopping Portal

To earn points fast, don't forget about the Chase Shopping Portal.

Chase has a "Shop Through Chase" feature that awards bonus points for shopping at partner merchants. There are over 200 popular stores. Most stores offer 2x-5x points, but some stores go as high as 15x or 20x points for every dollar spent. This will allow you to earn bonus points on shopping, that would otherwise be just 1x points.

Frequently Asked Questions

  • What is the annual fee for Chase Sapphire Preferred?
    The annual fee is $95.

  • What credit score do you need for Chase Sapphire Preferred?
    Chase Sapphire Preferred usually requires an Excellent credit score. This usually means a score of 720 or better. But Chase will also consider other things besides credit score, such as your total open credit cards and recent hard inquiries. Find out more about what kind of credit is required and how to improve your odds.

  • What's the highest credit limit for Chase Sapphire Preferred?
    The lowest credit limit offered by Chase Sapphire Preferred is $5,000. Theoretically, the limit can go all the way up to $500,000. Chase will consider factors like your length of credit history, payment history, and income to determine your credit line. Learn more about it and how to get a credit limit increase.

  • What is the 5/24 rule?
    Chase's unofficial 5/24 policy states that if you have opened 5 or more credit/charge cards in the past 24 months, you will not be approved for certain Chase cards (including the Sapphire Preferred). This goes for credit cards with any bank, not just Chase. So if you want this credit card, prioritize the application over any others.

  • Do points expire on Chase Sapphire Preferred?
    No, your points never expire as long as your account is active and in good standing.

  • Can you redeem Chase Sapphire points for cash?
    Yes. You can redeem for statement credit or direct deposit into your bank account. The redemption value for cash is 1 point = 1 cent. You need at least 2,000 points ($20) to start redeeming for cash back.

  • What airlines does Chase Sapphire partner with?
    Here is the list of current Chase Sapphire Preferred airline transfer partners:

    But you can book travel on any airline by redeeming your points on the Chase travel portal for 25% more value.

  • Does Chase Sapphire have Airport Lounge access?
    The Chase Sapphire Preferred card does not include airport lounge access. But Chase Sapphire Reserve has airport lounge access via a complimentary Priority Pass Select membership. You need to activate this benefit in advance.

  • Does Chase Sapphire have Global Entry benefits?
    Chase Sapphire Preferred does not offer any Global Entry Benefits. But Chase Sapphire Reserve offers a $100 application fee credit for Global Entry or TSA Pre every 4 years. You're automatically credited for 1 application when you apply for either program with the Reserve card.

  • What counts as 2x points for travel with Chase?
    Luckily, Chase has a wide definition of travel. Travel purchases eligible for 2x points include:

    • flights
    • hotels and motels (including homestays like Airbnb)
    • timeshares
    • campgrounds
    • car rentals
    • rideshares like Uber and Lyft
    • cruise lines
    • travel agencies and discount travel sites
    • trains, buses, limos, and ferries
    • tolls, bridges, and highways
    • parking lots and garages

  • Is the Sapphire Preferred worth it past the first year?
    After the first year, you will have to spend at least $317 on travel and dining per month. That will earn 7,608 points per year, which is equal to $95.10 toward travel when you redeem through the Ultimate Rewards travel portal.

Is Chase Sapphire Preferred Worth It?

Chase Sapphire Preferred card benefits are worth the $95 annual fee if you're a frequent (or even occassional) traveler. With a large sign-up bonus, 2x on travel and dining, and flexible travel redemption, it offers strong value even past the first year. Points can be redeemed for 25% more value on the Chase travel portal or transferred 1:1 to airline and hotel partners.

The superior travel benefits (such as primary rental insurance, trip cancellation, and baggage delay insurance) offer piece of mind. You can feel safe knowing you're protected even if the unexpected happens on a trip.

For these reasons, the Chase Sapphire Preferred earns a top spot in our best Chase credit card lineup.

Next Step: View the issuer's official application, terms, and details

Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Chase. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: This content was first published on September 9, 2017. This content may have been updated on December 2, 2019. Information including APR, terms and benefits may vary, be out of date, or not applicable to you. Information is provided without warranty. Please check Chase website for updated information.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: The information for the Capital One® Venture® Rewards Credit Card, Chase Freedom, and Bank of America® Travel Rewards credit card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

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Chase Sapphire Preferred Card
Apply for Chase Sapphire Preferred Card
At Chase's Secure Site
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Go to issuer's official application, terms, and details
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
17.49% - 24.49% Variable
$95

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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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