Your Chase Sapphire Preferred® Application: The Final Step to $937.50 in Travel

You’ve done the research. You’ve read the review, and you know the math.

The 75,000-point bonus—worth $937.50 when you book travel—is the single best welcome offer in the rewards game. You’re ready to stop leaving money on the table and finally turn your everyday spending (on dining, groceries, and streaming) into a real vacation.

You are in the right place. This page is your final checkpoint before you head to the official, secure Chase application.

We know what you might be thinking. “Is the $95 annual fee worth it?” “Is the application process difficult?” “What are my real chances of approval?”

Let’s break down those final questions so you can apply with 100% confidence.

The 3 Final Reasons This Card is a “No-Brainer”

You know the basics. But let’s look at the real value you are unlocking the moment you are approved.

1. The $937.50 Bonus is Just the Beginning.

That 75,000-point bonus is worth $937.50 through the Chase portal, which is enough for two round-trip domestic flights or a luxury hotel stay. But for experts, it’s worth even more. By transferring those 75,000 points 1:1 to partners like World of Hyatt, you could book 2-3 nights at an all-inclusive resort, a value that could easily top $1,200. This bonus alone makes the $95 annual fee a rounding error.

2. The $50 Hotel Credit Makes the “Real” Fee $45

Let’s talk about the $95 annual fee. Every single year, you get a $50 statement credit for a hotel booked through the Chase Travel℠ portal. If you stay in a hotel one time per year, your effective annual fee is only $45.

If you spend just $1,500 on dining (at 3x points) over the entire year, you’ve already earned back that $45. This card pays for itself.

3. The Hidden “Insurance” Perks that Save You Hundreds

This is the part most people forget. The Sapphire Preferred is a premium card. It comes with built-in travel insurance that can save you a fortune:

• Primary Auto Rental Insurance: You can decline the expensive ($15-$30/day) insurance at the rental car counter. This card has you covered.
• Trip Cancellation Insurance: If you get sick or a flight is canceled, you can be reimbursed up to $10,000.
• Baggage Delay Insurance: If your bag is delayed over 6 hours, you’re covered for essentials.

One single saved rental car fee or one delayed bag, and the card has paid for itself again.

What Happens When You Click? (The Application Process)

We believe in total transparency. When you click “APPLY ON CHASE’S SECURE SITE,” you are leaving this review site and being transferred to the official, secure Chase application. We never see or handle your personal data.

1. You Will Land on the Secure Chase Page: You will see the Chase logo and the 75,000-point bonus offer clearly listed. This confirms you are in the right place.
2. You Will Fill Out the Secure Form: You will enter your personal information (Name, Address, SSN) and your total annual income. Honesty and accuracy are key.
3. You Will Submit and Wait 60 Seconds: In most cases, you will get one of three answers:
   • Approved: Congratulations! (This is the most common result for qualified applicants).
   • Denied: This can happen, often due to the “5/24 Rule” (see below).
   • Pending (or “In Review”): This is not a denial. It simply means a human needs to look at your application. You can either wait or call the Chase “reconsideration line” to speak with a specialist.

Final Application Checklist

Before you click, make sure you’re ready.

• Your Credit Score: Do you have a Good to Excellent score (700+ FICO)?
• The 5/24 Rule: Have you opened fewer than 5 new credit cards (from any bank) in the last 24 months? If you’ve opened 5 or more, Chase will almost certainly deny you.
• The $5,000 Spend: Are you confident you can meet the $5,000 spending requirement in the first 3 months? (This includes all your normal spending on groceries, gas, bills, etc.)

If you answered “yes” to these, your chances of approval are excellent.