Chase Sapphire Preferred 90k Credit Card Review and Application

The Chase Sapphire Preferred 90k credit card is a top-tier rewards card that offers an incredible sign-up bonus of 90,000 points after spending $4,000 in the first 3 months.

The card's rewards structure is straightforward: you earn 2X points on travel and dining purchases, and 1X point on all other purchases.

With a $95 annual fee, this card is a great option for frequent travelers who can take full advantage of its benefits.

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The Chase Sapphire Preferred 90k offers some amazing benefits, and one of the standout features is the card details. With this card, you can earn points that are worth 25% more when redeemed for travel through Ultimate Rewards.

You'll also get a $50 Annual Hotel Credit each account anniversary year for hotel stays purchased through Ultimate Rewards. This can be a huge perk, especially if you travel frequently.

One of the unique features of the Chase Sapphire Preferred 90k is the 10% anniversary points boost on all points earned throughout the year. This means you'll earn 10% more points on top of your regular earnings.

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You can also transfer 1:1 to many Ultimate Reward travel partners, making it easy to redeem your points for flights, hotels, and other travel expenses. Plus, you'll get Travel Protection Benefits, Extended Warranty Protection, and Purchase Protection.

Here are some of the key card details at a glance:

The Chase Sapphire Preferred 90K offers a range of earning rates that can help you maximize your rewards. You'll earn 5X on travel when purchased through the Chase Ultimate Rewards portal, excluding hotel purchases that qualify for the $50 Annual Ultimate Rewards Hotel Credit.

For dining and eligible delivery services, you'll earn 3X points per dollar spent, with no cap on the amount of bonus points you can earn. This includes a complimentary DashPass membership through a partnership with DoorDash, which will get you a complimentary DashPass membership good through Dec. 31, 2027.

You'll also earn 3X points on eligible grocery delivery services, including online grocery purchases through services like Instacart and DoorDash. However, big box retailers like Target, Walmart, and wholesale clubs are excluded from this category.

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In addition to dining and grocery delivery services, you'll also earn 3X points on select streaming services, including Apple Music, Apple TV, Disney+, and more. The full list of qualifying merchants is extensive and includes popular services like Netflix and Hulu.

For travel purchases, you'll earn 2X points per dollar spent on a wide range of categories, including airlines, hotels, car rental agencies, and more. This makes the Sapphire Preferred a great card for your general travel spending.

Here's a summary of the earning rates:

Baggage Delay and Lost Luggage Coverage is a fantastic benefit of the Chase Sapphire Preferred Card. If you pay for your flight with your card, you can get reimbursed for essential items when your baggage is delayed or misdirected by more than six hours.

This benefit only applies when traveling on a common carrier, such as an airline, bus, cruise ship, or train, while on a covered trip. If you're flying private or on a charter, you're not eligible to receive compensation.

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The cardholder, their spouse or domestic partner, and any immediate family will be covered for up to $100 per day for a maximum of five days. That's a lot of coverage, and it's especially useful for long trips or unexpected delays.

Using this benefit, even once, would cover several years worth of $95 annual fees.

The Chase Sapphire Preferred annual fee is just $95 per year, which is relatively low compared to other credit cards.

This low annual fee is easy to justify, especially with the current bonus offer that can help you come out ahead in your first year.

You can earn more than $95 in value each year after that, making the card a great investment.

Another benefit of the Chase Sapphire Preferred is that you won't be charged foreign transaction fees when making purchases outside the U.S.

This can save you a significant amount of money on international transactions, and the card's Visa payment network ensures it's widely accepted worldwide.

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The Chase Sapphire Preferred offers an impressive rewards program, especially with the 90,000 points bonus. You can earn 5X points on travel when purchased through the Chase Ultimate Rewards portal, excluding hotel purchases that qualify for the $50 Annual Ultimate Rewards Hotel Credit.

You'll also earn 3X points on dining at restaurants, eligible delivery services, and select streaming services, including Apple Music, Apple TV, and Netflix. Additionally, you'll earn 3X points on eligible grocery delivery services, such as Instacart and DoorDash, and 2X points on travel purchases.

Here are the various earning rates in a concise list:

With these earning rates, you can rack up points quickly, especially with the 90,000 points bonus.

The Chase Sapphire Preferred card is offering a 90,000 Ultimate Rewards points bonus, which is a significant increase from the usual 75,000 points online and 85,000 at Chase branches.

This bonus is worth at least $750 towards travel, considering you can redeem your points at a rate of 1.25 cents per point through Chase Travel℠.

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You can potentially earn even more value by transferring your points to one of Chase's transfer partners, which include over a dozen airline and hotel brands.

The card's $95 annual fee is a small price to pay, especially when you consider you'll easily come out ahead in your first year and beyond with this bonus offer.

Dining out and ordering in just got a whole lot more rewarding. With the Chase Sapphire Preferred, you'll earn 3x points for every dollar you spend on dining at restaurants and on eligible delivery services.

There's no cap on the amount of bonus points you can earn in these categories, so feel free to indulge in your favorite takeout or dine at that new restaurant you've been wanting to try.

Chase has partnered with DoorDash to offer Sapphire Preferred cardholders a complimentary DashPass membership, good through Dec. 31, 2027. This means you'll get free delivery on orders over $12, and other perks like reduced service fees and free delivery on orders under $12.

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To take advantage of this benefit, simply add your Chase Sapphire Preferred as a payment method in your DoorDash account and look for the pop-up offering you a complimentary DashPass membership.

Here's a list of eligible delivery services where you can earn 3x points:

Note that big box retailers like Target, Walmart, and wholesale clubs are excluded from this category.

With the Chase Sapphire Preferred 90k, you'll earn 2x points per dollar spent on all things travel, including airlines, hotels, and car rental agencies. This makes it a great card for your general travel spending.

You can earn even more points by booking flights, hotels, or rental cars through Chase Travel℠, which will give you 5x points per dollar spent. However, keep in mind that you won't earn 5x points per dollar spent on purchases that qualify for the annual $50 hotel credit.

Some examples of travel purchases that qualify for 2x points include:

Additionally, through March 2025, you'll earn 5x points per dollar spent on Lyft rides when you pay with your Sapphire Preferred.

If you're planning a trip, you'll want to know about the Chase Sapphire Preferred's earning rates on travel purchases. You'll earn 2x points per dollar spent on all things travel, including airlines, hotels, motels, timeshares, car rental agencies, and more.

The list of qualifying travel purchases is extensive, covering everything from cruises to taxis and rideshare services. You'll even earn 2x points on ferries, toll bridges, and parking lots.

Here's a breakdown of the travel purchases that qualify for 2x points:

Additionally, through March 2025, you'll earn 5x points per dollar spent on Lyft rides when you pay with your Sapphire Preferred.

When booking a trip with your Chase Sapphire Preferred Card, you're protected in case something goes wrong.

You can be reimbursed up to $10,000 per person and $20,000 per trip for pre-paid non-refundable travel expenses if your trip is canceled or cut short by sickness, severe weather, or other covered situations.

Accidental bodily injury, loss of life, or sickness experienced by you, a traveling companion, an immediate family member, or a traveling companion is a covered situation. Severe weather that prevents the start or continuation of a trip is also covered.

Terrorist action or hijacking, jury duty, or a court subpoena that can't be postponed or waived are other situations that would qualify for reimbursement.

If your trip is delayed instead of canceled, you can receive reimbursement for expenses like meals, lodging, toiletries, and medication if your common carrier is delayed for 12 hours or more, or overnight.

The reimbursement for delays is up to $500 per ticket per trip. This coverage only applies to trips away from your city of residence and only on trips under 365 days.

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To apply for a credit card that earns Chase Ultimate Rewards points, you must first have a Chase credit card in your wallet.

You can't sign up for the Chase Ultimate Rewards program without one of their credit cards.

There are many different Ultimate Rewards-earning cards offered by Chase, each with its own benefits, earning structures, and fees.

To find the right card for your needs, compare the different options against your personal credit needs.

Currently, Chase offers many personal and small business credit cards that earn Ultimate Rewards points, each with its own welcome offer.

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If you're considering the Chase Sapphire Preferred 90,000 point offer, it's worth waiting a few weeks to grab it, as it's a much better deal than what's currently available.

The spread between offers can be significant, with a 30,000 point difference mentioned in one case. If you don't live near a branch or prefer online applications, keep an eye out for this offer to come online.

Grab the Chase Ink offers that are going away soon first, and then get the Chase Sapphire Preferred 90,000 point offer a little later.

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You can earn 100,000+ Chase Ultimate Rewards points in 90 days or less by leveraging bonus-point opportunities like authorized users, Shop through Chase, and buying gift cards in bulk.

It's not too hard to redeem 100,000+ points, so now that you have them, it's time to think about redeeming them for travel or other rewards.