Chase Sapphire Preferred Card
Imagine an average month: dining out a few times, a couple of subscriptions, filling up gas, and maybe booking a flight or hotel now and then.
Enter your spending to view your reward
A card focused only on groceries misses out on dining and travel rewards. A flat-rate card offers the same low return across all spending, even in categories where you spend the most.
The Chase Sapphire Preferred® Card is designed precisely for this variety, rewarding multiple bonus categories simultaneously.
When Your Spending Doesn’t Fall Into Just One Category
5 points per dollar on travel booked through Chase Travel, 3 points per dollar on dining, online groceries, select streaming services, vacation home rentals, and gas stations/EV charging, 1 point per dollar on all other purchases. $95 annual fee.
The straightforward tradeoff: this card requires a higher credit score than the other two featured here, with average approvals around 716, which is well above the current level of most of our readers. It’s included because it’s a well-known rewards card, not because it’s the easiest option to qualify for among the three.
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See other cardsIs a 716 Score Achievable From Here?
This card generally takes longer to qualify for than the other two on this page. The approach remains the same: consistently pay on time, maintain a low balance relative to your credit limit, and allow your existing accounts to mature. If one of the other two cards fits your current standing better, that’s the more practical next move; this card is what comes afterward. Either way, checking your eligibility here is free and only a soft credit inquiry.
Want to check the other options?
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