Edited by: Keri Stooksbury
& Kellie Jez
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The Chase Sapphire Preferred® Card is easily one of the most popular travel rewards cards available thanks to its bonus categories, benefits, welcome offer, and the fact that it earns Chase Ultimate Rewards points.
Like most credit cards, the welcome offer for the Chase Sapphire Preferred card can vary. So, if you’re hoping to get the biggest bonus possible, here are a few ways to help increase your chances.
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.
Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.
While the standard offer on the Chase Sapphire Preferred card is usually pretty solid, you’ll always want to make sure you’re getting the best offer possible. Here are a few ways to try and track down a higher offer.
Naturally, one of the best ways to track down a higher welcome offer is by not having to track it down at all! Occasionally, Chase will offer an increased welcome offer available to everyone for a limited time.
Ultimate Rewards points are worth more when redeemed through the Ultimate Rewards travel portal, and even more still when transferred to one of the Chase transfer partners.
CardMatch is a tool that allows users to check for targeted offers from banking partners. Many of the larger U.S. banks, like Chase and American Express, publish these targeted offers to CardMatch and then reveal those offers to users when they use the CardMatch tool.
If you want to make sure you’re prequalified for a card before you apply, CardMatch offers that as well. While being preapproved does not guarantee approval, the likelihood of approval will improve significantly compared to someone who applies for the card through its website. Just be aware that there’s no guarantee that you’ll see better offers than what’s publicly available, but in our opinion, it’s worth checking out, especially as it’s free and your credit doesn’t get pulled.
Here’s the information that you need to provide CardMatch with in order to use the tool to see your offers:
While you may have reservations about providing the last 4 digits of your Social Security number, the entire website is secured using 256-bit encryption, and it’s a PCI Level 1 Compliant organization, which means it offers the same level of security as a bank would.
Furthermore, when you insert these details into CardMatch, you will not receive a hard pull on your credit report. This information is only used to match you with any targeted offers you’re eligible for.
Another great option to increase your odds of receiving a higher offer is by opting into targeted mailings from Chase. Luckily, the process of doing so is pretty simple.
First, log into your account and click over to your Profile, then Settings. Once there, select Marketing Preferences, and then make sure you’ve selected Yes to receive special offers from Chase, which includes credit card offers!
The Chase Sapphire Preferred card is subject to the Chase 5/24 rule. If you’re not familiar, the 5/24 rules limit new applicants from opening certain cards with Chase if they have previously opened 5 or more new credit cards in the last 24 months.
Keep in mind that this mostly applies to new personal credit cards — many business credit cards, personal loans, auto loans, etc., are not counted towards your 5/24 total.
So, if you’ve opened 5 or more new accounts over the past 2 years, you will not be approved for the Chase Sapphire Preferred card, even if you track down a higher welcome offer.
This reason likely needs no explanation, but if you currently have a low credit score, this will significantly decrease your odds of getting approved for the Chase Sapphire Preferred card, regardless of how large of a welcome offer you’re applying for.
If you were recently denied for the Chase Sapphire Preferred card, or think you would be denied if you applied, then your main priority should be to improve your credit score.
This one is very easy to overlook as Chase cannot send you marketing offers if you do not opt-in to receive them. If you want to limit the amount of snail mail you receive, you’re better off avoiding this, but if you want targeted offers mailed straight to you, you have to opt-in!
If you’re considering adding the Chase Sapphire Preferred card to your wallet, be sure to do some research so that you can make sure you’re getting the best offer possible. Once you’ve earned the bonus, then comes the fun part of deciding how to redeem your Chase Ultimate Rewards points!
The value of the points you earn with your card can vary based on how you use them. If you book travel through the Chase travel portal, you’ll get 1.25 cents per point in value. However, if you transfer them to hotel or airline partners, they can be worth much more.
Yes, the Chase Sapphire Preferred card is subject to the 5/24 rule. So if you have opened 5 or more new cards in the last 24 months, you will not be approved for the card.
It depends! For most people it absolutely is. You should consider all of the benefits you’re receiving from the card and see if those outweigh the $95 annual fee. If so, then the card is most likely worth it for you.
Your Chase Ultimate Rewards points will never expire as long as your account remains active.
The highest welcome bonus we’ve ever seen for the Chase Sapphire Preferred card was 100,000 points.
The best ways to get the 80,000- or 100,000-point welcome bonus offers for the Chase Sapphire Preferred card are to wait for a limited-time elevated welcome offer from Chase, utilize CardMatch for a targeted offer, and opt-in to receive targeted mailings from Chase.
How much value you get from your Chase Ultimate Rewards points will depend on how you redeem them. At a minimum, you could turn 100,000 points into $1,000 in cash-back, or $1,250 in travel purchases thanks to the 25% bonus through the Chase travel portal. However, we value Chase points at 2 cents per point, making 100,000 points worth $2,000, thanks to the high-value redemptions you can make by using the Chase transfer partners.
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