Chase Sapphire credit card offers October 2024

There’s good news this spring for travel enthusiasts: For a limited time, you can earn on either the Chase Sapphire Preferred? Card or Chase Sapphire Reserve?.

If you redeem the bonus points by booking a trip through Chase Travel?, 60,000 Chase Ultimate Rewards? points are worth $900 for Sapphire Reserve card holders and $750 for Sapphire Preferred card holders.

We receive compensation from our partners for Featured Offer placements, which impacts how and where their offer is displayed.

Featured Offer

Chase Sapphire Preferred? Card

Welcome Bonus

Get up to $1,050 in Chase Travel? value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That’s worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.

$300 Chase Travel? Credit + 60,000 bonus points

Regular APR

21.49% – 28.49% Variable

Annual Fee

$95

Credit Score

Credit Score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Excellent, Good

Apply Now

On Chase Bank USA, NA's Secure Website

What’s the difference between the Chase Sapphire Preferred Card and Chase Sapphire Reserve?

The Sapphire Preferred and the Sapphire Reserve are both on our lists of the best credit cards and best travel credit cards available right now.

But the cards have some key differences, including:

• Annual fee: The Sapphire Preferred has a modest $95 annual fee, while the Sapphire Reserve charges $550 per year.
• Minimum credit limits: The minimum credit limit on the Sapphire Reserve is $10,000 — double the $5,000 minimum of the Sapphire Preferred.
• Card holder fit: The Sapphire Preferred is a better pick if you’re a casual traveler who wants to save up points for a vacation once or twice a year.

We receive compensation from our partners for Featured Offer placements, which impacts how and where their offer is displayed.

Featured Offer

Chase Sapphire Reserve? Card

Welcome Bonus

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

60,000 bonus points

Regular APR

22.49%-29.49% Variable

Annual Fee

$550

Credit Score

Credit Score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Excellent

Apply Now

On Chase Bank USA, NA's Secure Website

Bonus points

As you compare the Chase Sapphire Preferred bonus vs. the Chase Sapphire Reserve offer, you should also pay close attention to the Chase Ultimate Rewards points-earning structures that will stick around long after the first few months of spending.

	Chase Sapphire Preferred	Chase Sapphire Reserve
Eligible travel purchased through Chase Travel	5x (excluding hotel purchases that qualify for the $50 annual Chase Travel hotel credit)	10x for hotels and car rentals, 5x on other travel (after the $300 annual travel credit is earned)
All other eligible travel	2x	3x (after the $300 annual travel credit is earned)
Dining	3x	10x for eligible Chase Dining, 3x for other dining
Select streaming	3x	1x
Online grocery purchases	3x	1x
Lyft purchases	5x through March 31, 2025	10x through March 31, 2025
Eligible Peloton purchases over $150	5x up to 25,000 points (then 1x) through March 31, 2025	10x up to 50,000 points (then 1x) through March 31, 2025
All other purchases	1x	1x
Anniversary bonus	10% of your purchases in the previous year, with years measured from account opening (so if you spend $10,000, you’ll get 1,000 points)	None

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Statement credits and partner perks

With the Sapphire Preferred, you’ll get a $50 annual hotel credit on stays booked through Chase Travel. The card also offers a DoorDash DashPass subscription (when you activate by the end of the year) and a six-month Instacart+ membership that includes a $15 quarterly statement credit (when you activate by July 31, 2024).

The Sapphire Reserve has a deeper pile of statement credits including a $300 annual travel credit that applies to just about every type of expense you’d run into to leave home — airlines, hotels, car rentals, cruises, buses, trains, taxis, tolls, parking garages and more. Additionally, card holders receive up to a $100 statement credit every four years to cover the application fee for Global Entry, TSA PreCheck or NEXUS.

On top of those credits, ways to cash in on the Sapphire Reserve’s value include:

• Two-year Lyft Pink All Access membership when activated by the end of 2024 ($199/year value)
• DoorDash DashPass subscription for at least a year when you activate by the end of the year, plus a $5 monthly DoorDash statement credit through the end of 2024
• Instacart+ membership when you activate by July 31, plus up to $15 in monthly statement credits for Instacart spending
• Priority Pass airport lounge membership

Travel and purchase protection

Both of these cards can deliver peace of mind while traveling, including with:

• Primary rental car insurance
• Lost luggage reimbursement (up to $3,000 per passenger)
• Trip cancellation/interruption insurance (up to $10,000/person and $20,000/trip)
• Trip delay reimbursement (up to $500/ticket)

The Sapphire Reserve is the superior card for travel protections, with up to $100,000 for an emergency medical evacuation due to injury or illness and up to $2,500 for emergency medical or dental treatment (with a $50 deductible).

Both cards can extend an eligible manufacturer’s warranty by an additional year, and each comes with 120-day purchase protection against damage or theft. While the Sapphire Preferred’s protection only covers $500 per claim, the Sapphire Reserve covers up to $10,000 per claim.

How do you redeem Chase Ultimate Rewards points?

You can redeem Chase Ultimate Rewards points for cash back and statement credits at a value of 1 cent per point. You can also convert them to gift cards with a range of merchants or pay with points when you checkout at Amazon and PayPal and shop for Apple products.

However, the most valuable way to redeem Chase points is for travel: If you’re redeeming them through Chase Travel?, the valuation increases to 1.25 cents per point for Sapphire Preferred card holders and 1.5 cents per point for Sapphire Reserve card holders.

As a Chase Sapphire credit card holder (of either type of card), you can transfer Ultimate Rewards points to more than a dozen travel partners at a 1-to-1 ratio — a key point of differentiation from the no annual fee Chase Freedom Unlimited? and Chase Freedom Flex? * The information for the Chase Freedom Flex? has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. .

Is the Chase Sapphire Preferred or Chase Sapphire Reserve right for you?

You can’t have both of the Sapphire cards at the same time, so you’ll need to consider your regular travel routine to do the math on which card makes sense for the long term. If you’re only taking a few trips each year, you’ll likely want to stick with the Sapphire Preferred due to the much lower annual fee.

However, if you travel more often, the Sapphire Reserve delivers top-notch value. Where you travel to and from is worth considering, too: Chase currently operates Sapphire Lounge by The Club airport lounges in Boston Logan International Airport (BOS), Hong Kong International Airport (HKG), New York LaGuardia, and New York’s John F. Kennedy International Airport (JFK), with plans to expand to Las Vegas, Philadelphia, Phoenix and San Diego. Sapphire Reserve card holders get access to these spots.

If you’re not sure of which card is a better fit, you aren’t locked in forever. After you have held the card for at least 12 months, you are eligible to change. That means you can score the bigger welcome bonus now, see how the card fits into your life and reevaluate next year.