Chase Sapphire Preferred® Card Review

Quick Overview

  • 40,000 bonus points when you spend $4,000 within the first three months
  • 5,000 bonus points if you add an authorized user
  • 2 points for every dollar spent at restaurants or on travel (an additional point is earned if airfare and accommodation is booked through Chase Ultimate Rewards)
  • 1 point for every dollar spent on all other purchases
  • Each point is worth $0.01 in cash back or $0.12 in travel when booking through Ultimate Rewards
  • No annual fee first year

Application Information

What Credit Score Is Required?

The CSP is considered a premium card so you’ll need excellent credit to be accepted for this card.

Credit Boards Credit Karma
Lowest approved score 629 664
Average approved score 744 727

We suggest that you have a minimum credit score of 700 to apply for the Chase Sapphire Preferred and a recommended score of 720+. 

Common reasons for denial:

  • Too many recent inquiries (1, 2, 3
  • Income to rent ratio was too high.
  • No current cards with a limit over 5,000 (1, 2

We also recommend not applying for this card if you’ve applied for any other cards within the last 90 days.

[Read: I was denied for the Chase Sapphire Preferred, now what]

What Credit Bureau Do They Pull?

The exact credit bureau that Chase pulls for the Chase Sapphire Preferred depends on the state you currently live in. Find out which bureau Chase pulls from your state.

Sign Up Bonus

Sign Up Bonus History

November 25th – Current: 40,000 bonus points $95 annual fee November 1st – November 25th: 50,000 bonus points $125 annual fee Apply now


Can you earn the sign up bonus more than once?

Yes it’s possible to earn the sign up bonus more than once. Chase used to issue this card as a Mastercard, if you’ve held the Mastercard version, but not the Visa version you should have no trouble getting the sign up bonus a second time without too much hassle.

Some people have reported that they were also able to get a second sign up bonus by waiting more than two years between when they first cancelled the card and when they applied for the second card.

12 Responses to Chase Sapphire Preferred® Card Review

  1. Veronica says:

    How can i get miles or points for 2 round trip flight from San Juan Puerto Rico to Milan in low season with the Chase Sapphire and Chase Freedom credit cards ? What other credit card can i add to get 120,000 UR points?

  2. matt says:

    I’d really appreciate it if you’re willing to use my link. I want to use the bonus toward my student loans. thanks! 🙂

  3. Pingback: Annual Fee Refund Rules For Each Card Issuer - Doctor Of Credit

  4. Pingback: New Chase Sapphire Reserve/Elite Card Will Be A Visa Infinite - Doctor Of Credit

  5. Bungy says:

    Just an FYI- rideshares such as Lyft and Uber DO count as travel and on the Sapphire reserve should be up to 3x points! It currently registers as double points on this card.

  6. Julien says:

    If anyone needs a referral link for 50000 points after $4000 spending in 3 months :

    Another 5000 points for adding authorized user.
    No fee for first year.

  7. Dean says:

    Bonus is back to 50,000 points after $4,000 spend. Thank you for using my Link.

  8. Jeff H says:

    I saw DoC is working on a much needed update for this review given some DPs linked are a few years old. Can somebody who has gotten this card more recently help Doc out and provide either good or denied reason Data Points?

  9. Pingback: Chase Ink Business Preferred Complete Review - 80,000 Point Bonus + 3x Points & More - Doctor Of Credit

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  11. Pingback: Master List of Credit Cards with 4%/4x+ Rewards - Doctor Of Credit

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