WalletHub Rating
4.6/5
The Chase Sapphire Preferred® Card is a very good credit card for bonus rewards on travel and dining.Chase Sapphire Preferred is worth its $95 annual fee for people with a 700+ credit score who like to travel, don’t mind booking at least one trip through Chase, and plan to charge more than $1,334 per month.
WalletHub Rating Breakdown
User Reviews
3.9/5
3,537 reviewsRead and write reviews
Editor’s Review
5.0/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
4.6
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards” for this card.
Fees
2.9
Rewards
4.8
Cost
5.0
Other Features
5.0
4.6/5
Compared against 1,500+ credit cards
KEY TERMS
Earn 60,000 bonus points
after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Chase Sapphire Preferred Annual Fee
$95
Chase Sapphire Preferred APR on Purchases
21.49% - 28.49% (V)
Chase Sapphire Preferred Balance Transfer
APR: 21.49% - 28.49% (V)
Balance Transfer Fee
Chase Sapphire Preferred Rewards
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
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.
Chase Sapphire Preferred's Additional Info
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Member FDIC
show more
Apply Now
at Chase's secure site
Editor's ReviewFact checked
Fact checked
John Kiernan, Managing Editor
September 13th, 2024
Fact Checked by Alina Comoreanu
Senior Researcher
Chase Sapphire Preferred Pros & Cons
60,000 points - initial bonus
Up to 6.25% back when redeeming for travel
No foreign transaction fees
$95 Annual fee
1 point per $1 base earn rate
Chase Sapphire Preferred Review
5.0 / 5
The Chase Sapphire Preferred® Card is a very good credit card for bonus rewards on travel and dining.Chase Sapphire Preferred is worth its $95 annual fee for people with a 700+ credit score who like to travel, don’t mind booking at least one trip through Chase, and plan to charge more than $1,334 per month.
New cardholders must spend $4,000+ in the first 3 months to qualify for Sapphire Preferred’s big initial bonus: 60,000 points. That’s the centerpiece of the offer, and using Chase’s travel portal is required to get top dollar when you redeem. You’ll get $750in travel booked through Chase or$600 statement credit. Either way, the bonus alone will pay for 6+ years’ of membership dues. Chase Sapphire Preferred’s annual fee is $95.
Needless to say, there’s little reason to pass on this deal if you’re a frequent traveler with top-tier credit.
Chase Sapphire Preferred Review Highlights
1. Initial bonus worth up to$750
Spending $4,000 within 3 months of opening the Chase Sapphire Preferred Card will score you 60,000 points, which you can redeem for$750 in travel booked through Chase Travel℠ or a$600 statement credit. That’s one of the biggest initial bonuses on the market. Need we say more?
2. Earn up to 6.25% backon travel
Chase Sapphire Preferred offers 5 points per $1 spent on travel booked through Chase Travel℠and 2 points per $1 on all other travel. This earning rate translates to 2.5% - 6.25% cash back when you redeem for Chase Travel or 2% - 5% cash back when used for a statement credit.
3. Great everyday rewards
You will earn 3 points per $1 on dining (including eligible delivery services and takeout), select streaming services, and online grocery purchases (excluding Target, Walmart and wholesale clubs). That’s about tripletheaverage earning rate for a rewards card. Sapphire Preferred gives 1 point per $1 spent on most other purchases.
4. $2,000+ in 2-year rewards value
The average person would earn roughly $2,000+ in net rewards value (with fees included) in two years with the Sapphire Preferred Card, according to WalletHub’s calculations. That’s a nice chunk of change. And it’s why Chase’s Preferred Sapphire Card is the preference of so many rewards-seekers.
5. Chase Sapphire Preferred annual fee
The Chase Sapphire Preferred Card’s annual fee is $95- about four times higher than the average annual fee. It is assessed upon account opening and then every 12 months after.
Bottom Line: Is Chase Sapphire Preferred Worth It?
Chase Sapphire Preferred is one of 2024’s best rewards cards for a reason. Its big initial bonus is the star of the show, saving you enough on travel that you’ll definitely need some suntan lotion. The ongoing rewards aren’t so hot if you don’t redeem your earnings for travel booked through Chase. But all in all, Sapphire Preferred is definitely worth the money.
Learn More About Chase Sapphire Preferred
Chase Sapphire Preferred minimum credit score
The minimum credit score needed for Chase Sapphire Preferred is 700, if you want good odds of approval. That is because the Chase Sapphire Preferred Card requires at least good credit for approval. You can check your latest credit score for free on WalletHub.
Chase Sapphire Preferred requirements
In addition to a good or excellent credit score and enough income to pay at least the minimum due each month, the main requirements for Chase Sapphire Preferred are being at least 18 years old (19 in Alabama and Nebraska; 21 in Puerto Rico) and having a Social Security number or Individual Taxpayer Identification Number (ITIN). Furthermore, people who currently have any Chase Sapphire card or who earned a Chase Sapphire initial bonus in the past 48 months are not eligible for approval.
Chase Sapphire Preferred income
To be approved for the Chase Sapphire Preferred Card, applicants need enough income to afford monthly bill payments, along with their other monthly financial obligations. However, there is no specific Chase Sapphire Preferred income requirement.
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Compare The Chase Sapphire Preferred vs. Popular Alternatives
Chase Sapphire Preferred® Card | Capital One Venture Rewards Credit Card | Chase Sapphire Reserve® |
---|---|---|
4.6WalletHub Rating WalletHub Rating 4.6 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 5.0 User Reviews 3.9 Market Comparison 4.6 fees: 2.9 rewards: 4.8 cost: 5.0 Other Features: 5.0 | 4.5WalletHub Rating WalletHub Rating 4.5 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 5.0 User Reviews 3.8 Market Comparison 4.4 fees: 2.9 rewards: 4.8 cost: 5.0 Other Features: 0.0 | 4.1WalletHub Rating WalletHub Rating 4.1 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.4 User Reviews 3.3 Market Comparison 4.1 fees: 1.3 rewards: 4.8 cost: 4.8 Other Features: 0.0 |
annual fee$95 | annual fee$95 | annual fee$550 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APR21.49% - 28.49% (V) | Regular APR19.99% - 29.99% (V) | Regular APR22.49% - 29.49% (V) |
Sponsored Apply Now | Sponsored Apply Now | Sponsored Apply Now |
Chase Sapphire Preferred FAQ
Can't find what you are looking for? Submit your question about Chase Sapphire Preferred® Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Most Popular
38
Upvotes
Does Credit One give a temporary credit card number?
Reply
38
6
Christie Matherne, Credit Card Writer
@christie_matherne
No, Credit One does not offer temporary credit card numbers, so you'll need to wait until your physical card arrives to activate it and begin making purchases. Your card should arrive within 10 business days after you're approved. You can call Credit One customer service at 1 (877) 825-3242 to request more information about the status of your card.
Using Click to Pay After Your Card Arrives
Once you get your card in the mail, you can use Click to Pay to generate a temporary credit card number for a card on any major network. Simply visit the Click to Pay website for your card's network, set up your account, and add your card number.
When you're shopping online or on an app, you can use Click to Pay anywhere you see a Click to Pay symbol. Click the symbol and enter the verification code sent to your phone or email, and then a one-time-use virtual card number will be created to replace your real card number during the transaction.
You can learn more by reading WalletHub's guide on virtual credit card numbers.
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38
Upvotes
Is Chase Sapphire Preferred hard to get?
Reply
38
Lisa Cahill, Credit Cards Moderator
@lisacahill
Yes, the Chase Sapphire Preferred® Card is hard to get. Unless you have a good to excellent credit score of 700 or higher and a lot of income, you are unlikely to get approved for Chase Sapphire Preferred.
To get Chase Sapphire Preferred, you will have to meet the credit score requirement, have a steady income, and be at least 18 years old. You'll also need to have an SSN or ITIN.
Keep in mind that even if you meet...
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7
2
36
Upvotes
How much income do you need for the Chase Sapphire Preferred Card?
Reply
36
Alex Wise, WalletHub Credit Cards Analyst
@Alex_Wise
The Chase Sapphire Preferred Card requires an annual income of at least $30,000, according to user reports. Chase doesn't publicly disclose the Sapphire Preferred Card's income requirements, but you can apply for the card if you meet the credit score requirement, are at least 18 years old, and have an SSN or ITIN.
Key Things to Know About Chase Sapphire Preferred
- Credit Score Requirement: Good credit or better (700+ score)
- Income Requirement: $30,000+...
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8
1
37
Upvotes
What is the Chase Sapphire Preferred credit limit?
Reply
37
Bogdan Roberts, Credit Cards Moderator
@bogdan_roberts
The Chase Sapphire Preferred credit limit is $5,000, at a minimum. But some cardholders can get a credit limit higher than that. Plenty of Chase Sapphire Preferred cardholders report limits of at least $10,000, and some say they have a limit of $20,000 or more. Chase doesn't publicly disclose the Chase Sapphire Preferred maximum credit limit.
What you should know about the Chase Sapphire Preferred credit limit:
- The credit limit you get on your Chase Sapphire Preferred will depend mainly on your...
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11
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68
Upvotes
What credit score do you need for the Chase Sapphire Preferred card?
Reply
68
25
WalletHub
@WalletHub
Applicants for the Chase Sapphire Preferred card need a credit score of 700 or higher for good approval odds. This card requires at least good credit to qualify, and the higher your credit score is, the better your approval odds will be.
You can check your latest credit score for free on WalletHub to see where you stand.
It's important to note that while your credit score is an important factor in determining whether or not you will be approved for...
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16
1
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24
Upvotes
What's the Chase Sapphire Preferred points value?
Reply
24
WalletHub
@WalletHub
Chase Sapphire Preferred points are worth 1 cent to 1.25 cents apiece, depending on how you redeem them. For example, you could redeem 10,000 points for a $100 statement credit or use them to book $125 in travel through the Chase Travel. This card is part of the Chase Ultimate Rewards program that allows cardholders to earn points and then redeem them for travel, statement credits, and gift cards, among other things.
Chase Sapphire Preferred Points Value
- Travel: When you...
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7
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25
Upvotes
How do I get the Chase Sapphire Preferred sign-up bonus?
Reply
25
2
Cameron DiGiovanni, Writer
@cdigiovanni20
You can get the Chase Sapphire Preferred sign-up bonus of 60,000 points by spending $4,000 within the first 3 months of opening an account. You can redeem the Chase Sapphire Preferred credit card bonus for $750 in travel booked through Chase Travel or a $600 statement credit. That's one of the biggest sign-up bonuses on the market.
Who is Eligible for the Chase Sapphire Preferred Sign-Up Bonus?
Keep in mind that you will not be eligible for the sign-up bonus if you currently...
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7
1
252
Upvotes
What are the differences between Chase Sapphire vs. Chase Sapphire Preferred?
Reply
252
109
Christie Matherne, Credit Card Writer
@christie_matherne
The biggest difference between Chase Sapphire® Card and Chase Sapphire Preferred is that only Sapphire Preferred is available to new applicants (the original Chase Sapphire Card was discontinued in 2015). Other key differences between Chase Sapphire and Sapphire Preferred include their bonus rewards and annual fees.
Sapphire Preferred offers an initial bonus worth $750 in travel through Chase, and it gives 5 points per $1 spent on travel purchased through Chase, 2 points per $1 on all other travel purchases, 3 points per $1 on dining and online grocery purchases, 3 points per $1 on select streaming services, and 1 point per $1 on all other purchases. The original Sapphire card's double points bonus included only dining purchases. On the other hand, the...
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8
53
Upvotes
What are the best Chase Sapphire Preferred benefits?
Reply
53
8
Chip Lupo, Credit Card Writer
@CLoop
The best Chase Sapphire Preferred Card benefits are trip delay reimbursem*nt and waived DoorDash delivery fees on orders over $12. The Chase Sapphire Preferred® Card also has purchase protection and extended warranty protection, which are more common perks across Chase credit cards.
Chase Sapphire Preferred Card Benefits
- Trip delay reimbursem*nt
- Waived DoorDash delivery fees on orders over $12
- Purchase protection
- Extended warranty protection
- Baggage delay insurance
- Travel and emergency assistance services
- Trip cancellation/interruption...
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24
Upvotes
How do I get a Chase Sapphire Preferred referral bonus?
Reply
24
4
Maria Adams, Credit Cards Moderator
@m_adams
You can get a Chase Sapphire Preferred referral bonus for each friend that you invite to apply for the same card and gets approved. The referral bonus is 10,000 points for every referral who is approved and the limit is 75,000 points per calendar year. So, if you've already accumulated 70,000 bonus points within a calendar year, your next successful referral will only earn you an additional 5,000 bonus points, bringing you to the maximum limit of...
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9
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2024 WalletHub Awards
Chase Sapphire Preferred® Card is an Editor's Pick for:
Best Travel Credit Cards
Best Rewards Credit Cards
Best Credit Cards
Best Credit Cards for Military Personnel
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Chase Sapphire Preferred Reviews
Share your insights and review for the Chase Sapphire Preferred® Card
5
46%
4
24%
3
17%
2
8%
1
6%
3.9
3,537 reviews
3,537 reviews
What's Your Rating?
Most Recent
Adam McCann
@adam_mcan
5 Star Rating
Sapphire Preferred is the card of choice for people who travel frequently but not enough to pay the enormous annual fees that some luxury travel cards charge. Preferred's fee is manageable and is covered for multiple years by the initial bonus. In addition, this card rewards travel well while still having a decent return on non-travel purchases. The lack of a foreign transaction fee makes it great to use abroad, as well.
Comment
42
12
ADAM SOMERS
@adamksomers
@andron311 Crazy. I know ..right. I have been with them since 2014. Today they dropped me down $5900.00. I have less than 10% credit line utilization so I asked why and they said I had missed payments via Experian soft pull. I have 100% payment history???? So I asked them to bump it back up, my credit line and they said not without a hard pull...I said no way and we parted ways. Poor business practice.
Comment
18
1
Clarissa F
@clari
@andron311 same thing happened to me right after I made a huge payment. SHAME ON THEM!
Comment
13
3
Samuel Arroyo
@samuel_arroyo26
All Chase knows how to do is screw customers and then have the nerve to say that they value their customers
Comment
17
4
Every One
@somewhere11342
They let merchants charge you for anything and won't take your side when no product is received. Never had this problem with any other card and now I'm out $600 for fraud Chase won't protect
Comment
8
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John Brown
@gapeb70711
1 Star Rating
Used to be good, and they used to have your back and offer a 7% dividend. I would look at AMEX, as Chase won't have your back if you have an issue or dispute.
Comment
Ryan Whiteside
@ryandegrunt
1 Star Rating
In June, I booked a reservation at an Airbnb beginning on June 26th, 2024. On reviewing my credit card activity, I saw that the Airbnb was miscategorized as "a real estate agents and managers rentals," which clearly it is not and is incorrect. Furthermore, I was only given 1x points instead of the 2x travel points I had gotten from numerous other Airbnbs with the same card. It's also well advertised and within the card member agreement that the Chase Sapphire Preferred card receives 2x for Airbnb stays. Chase continues to give me generally the same response and won't explain why all other Airbnbs I’ve booked through the Chase Sapphire Preferred Card were categorized correctly as travel and thus given 2x rewards points. They say as a “courtesy” and because they “value my business,” they corrected the transaction (after I noticed it and complained) and gave the 2x points. This is no courtesy at all; it's just simply doing what they should have done in the first place and acting in a legal and ethical manner. They continue to avoid directly answering the question as to whether they changed their policy on categorizing Airbnb as travel. Moving forward, I have little trust in Chase to live up to their promises and agreements. I will use the Wells Fargo Active Cash Card in the future for Airbnb, which gives 2x on all purchases, no strings attached.
The latest response I got from Chase is as follows:
"Hello Ryan,
Thank you for contacting us about your Chase Sapphire Preferred® credit card account. It is my pleasure to assist you with your inquiry about your rewards.
Ryan, we understand the importance of the 2x points on Airbnb purchase. I will be happy to review your account.
Two points per $1 spent on travel include airline tickets, car rental agencies, hotel accommodations, cruise lines, train tickets, taxis, tolls, and parking.
The Airbnb HMC92YFJ2T is categorized as "a real estate agents and managers rentals" with Visa and MasterCard. This is why the bonus points you were expecting to earn did not apply.
Because we value your business, we added 2,585 points to your account."
Comment
1
Gilbert Meyer-Gauen
@gmeyergauen
1 Star Rating
We booked a hotel through an online booking agency, which reserved the hotel but never transferred our payments to the hotel. When we reported this fraudulent charge to Chase, they initiated an investigation and sent us a letter stating they would remove the charge from our account. One week later, the charge is still there, both on chase.com and our statements. I will never trust Chase again; it's as if you receive a different answer every time you call them.
Comment
1
ykaretnyi
@ykaretnyi
1 Star Rating
I opened a Chase Sapphire Preferred Visa Card 3 years ago. They provided an attractive card-opening bonus credit toward travel expenses. At first, the service was excellent. Customer care was very responsive. However, recently Avis Rental Car overcharged me and later proceeded with multiple unauthorized charges that appeared to be suspicious activities. The Chase system did not catch it at all, clearly showing that my credit card account was not safe. I raised these issues with Chase and requested a dispute, providing all the necessary detailed documentation regarding the overcharge. Unfortunately, Chase's dispute department failed to properly investigate the overcharge and did not address the unauthorized charges issue. The reasons given for denial were that Avis is a well-established global organization that cannot overcharge and that all charges are valid. They reopened the investigation twice, and both times, they denied the claim. Each time I received the letters of denial, they came simultaneously with the notifications of the investigation being reopened. Looks like no one really investigated it.
I spoke with Customer Services and Dispute Group representatives several times. Often, the reps were rude and unsupportive, especially those from the Dispute Group. On two occasions, reps hung up the calls without answering my questions. Finally, I received a letter stating that because I disagreed with the outcome of their investigation, Chase would report me to the four major credit score agencies without providing any explanation. As a result, I decided to close my credit card account. It is not worth paying a $95 fee for such poor service and an unprotected credit card account.
Comment
1
Soula Adams
@athanasiah2
1 Star Rating
First time booking a trip and I requested two things: to sit next to my spouse for a 10-hour flight and to have my bag checked. The representative who helped me did not book anything. I was on the phone for several hours; there was nothing they could do about it. A nightmare, unorganized. Better off booking directly with airlines. Would have never gotten this credit card.
Comment
Mark Gold
@mgold_1
2 Star Rating
Fraud protection seems to have disappeared. The card is good, but obvious fraud from a trip to Spain was initially denied and now is under review again. I have written proof of fraud, but I am not allowed to submit documents until the investigation is done by Chase. I will go with other vendors in the future.
Comment
Sara Butler
@sarabur99
1 Star Rating
Tried to use the points I'd accumulated for the first time to buy plane tickets. I told Chase customer service I needed help as I had no idea how to do it. I got my flights picked out and when it was time to pay, I told Chase customer service I also had vouchers I wanted to use from Southwest Airlines. She said Chase does not honor those, but if I transferred my points worth $1,300 to Southwest, I could use the points and the vouchers. When I got to Southwest, my $1,300 was only worth $640—Chase customer service never mentioned this could happen, and I cannot transfer my points back. I'm sure it's in the fine print somewhere, but it sure would have been nice to be told this, especially when I said repeatedly this was the first time I've tried to travel using points—this is the ONLY reason I have this card. Chase customer service was no help, and I'm out $660.
Comment
Clayton Prendergast
@bubban00b7
1 Star Rating
The main reason I got this card was for the travel insurance. I would NOT recommend it. It's absolutely useless. We've been trying to get a refund for a flight for over a year, and they just keep giving us the run-around. They must be hoping we will just give up. DO NOT GET THIS CARD!!!
Comment
Robert Estrada
@Robertestrada
1 Star Rating
I was talked into getting this card. I was told it has great benefits. It has an APR ranging from 21.49% to 28.49%. I have a credit score of 815, which is pretty good. Well, when I called them, they told me my APR is 28.25%, and I received a credit limit of $18,000. I'm upset because, out of all my credit cards, this one is about 8% higher. I told them that I have good credit, and their response is, 'We need to build a relationship since you don't have any cards with us.' I said, 'Why run my credit or give me $18,000? That makes no sense.' Can I get anyone's opinion on this matter? Not only that but the next day after I applied and got Accepted the next day I got a letter The sapphire credit card with 80000 bonus points in an APR 23.49 so that's 20,000 extra bonus points and 5 percent less and I called them and basically told me we'll you already applied. So I got 60,000 bonus and a Skyscraping 28.25 I'm upset about this what's your thoughts?
Comment
Review Chase Sapphire Preferred® Card
Expert Thoughts on Chase Sapphire Preferred
To help people learn more aboutChase Sapphire Preferred Card, WalletHub's editors posed the following questions to a panel of experts. You can meet our panelists and read their responses below.
- Do you expect initial rewards bonuses on travel rewards credit cards to get better or worse in the next 12 months?
- How much do people need to travel for a travel rewards credit card that charges an annual fee to be worthwhile?
- What should consumers watch out for when booking airfare, hotel reservations and other travel accommodations through a credit card company’s rewards portal?
Harold S. Lee
Ph.D., CHIA, Clinical Assistant Professor, Hospitality and Tourism Management, University of North Texas, College of Merchandising Hospitality and Tourism
Read More
Murat Kizildag
Ph.D., MBA, Associate Professor of Finance & Vice Chair of College Assessment, Rosen College of Hospitality Management, University of Central Florida
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Jeremy C. Clement
MBA, PMP, Senior Instructor, Internship Coordinator, Department of Hospitality and Tourism Management, Director, Schottland Scholars Program, College of Charleston
Read More
Seung suk Lee
Assistant Professor, Arkansas Tech University
Read More
Mary Jo Ross
Ph.D., CSEP, CPCE, Associate Professor, College of Business, Slippery Rock University
Read More
Drew Martin
Professor in the School of Hotel, Restaurant and Tourism Management, College of Hospitality, Retail and Sport Management, University of South Carolina
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Chase Sapphire Preferred® Card
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* The information about the following cards has been independently collected by WalletHub: Chase Freedom Flex® Credit Card and Chase Sapphire® Card.