7 things to do when you get the Chase Sapphire Pre...

The Chase Sapphire Preferred® Card (see rates and fees) was one of many first rewards cards I ever bought, and it stays a staple in my pockets. For years, I’ve used it to earn priceless transferable factors on journey, eating and groceries.

If you have not utilized for the Sapphire Most popular but, now is a superb time to take action. This card is providing one of the vital profitable welcome bonuses we have seen in years: 100,000 Ultimate Rewards points after spending $5,000 on purchases within the first three months from account opening. That is price a whopping $2,050 primarily based on our April 2025 valuations.

In case you simply bought your Chase Sapphire Most popular, be sure you take these steps to get essentially the most out of this incredible card from day one.

Having a certified consumer in your Sapphire Most popular account allows you to earn factors quicker — and thus attain the welcome bonus sooner. Your approved consumer’s purchases will depend towards your welcome bonus, however being a certified consumer will not preclude them from incomes a welcome bonus on their very own Sapphire Preferred sooner or later.

This additionally lets you transfer your Ultimate Rewards points to one among Chase’s airline or hotel partner programs within the identify of 1 family member who can be a certified consumer in your card. Plus, authorized users can benefit from the Sapphire Most popular’s travel protection benefits after they ebook journey with their card.

The method so as to add a certified consumer on-line is straightforward and free and takes lower than a minute. Signal into your Chase account, click on on “Extra” subsequent to your card, then click on “Account providers” and “Licensed customers.”

Spouses and companions are apparent candidates for approved customers, however they don’t seem to be the one ones to contemplate. TPG staffers have added dad and mom and trusted mates as approved customers to succeed in welcome bonuses quicker, and adding your child as an authorized user is a good way to assist them construct credit score.

Simply keep in mind that if you add a certified consumer, you are accountable for paying off any purchases they make on their card.

Associated: The credit cards with the greatest value for authorized users

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The Chase Sapphire Preferred is a card to make use of for journey purchases for 2 foremost causes:

Chase defines travel very broadly, so it covers every part from airways, inns and timeshares to automotive leases, cruises, journey businesses and campgrounds. It additionally contains extra day-to-day transportation like buses, tolls and parking.

When you’ve got any subscriptions that fall into this class, like a toll move or month-to-month parking charges, set your new Sapphire Most popular as your default fee methodology.

The identical goes on your rental automotive accounts, permitting you to make the most of the cardboard’s main rental car coverage.

Plus, Lyft extends special benefits (by way of September 30, 2027) to Sapphire Most popular Card holders, so make sure to add your card to your Lyft account.

Your new card additionally provides you entry to Chase Travel℠, the issuer’s on-line journey portal.

You may earn 5 Final Rewards factors per greenback spent on issues like inns and automotive leases booked by way of the portal — a return of over 10% primarily based on TPG’s valuations.

Moreover, your first lodge reserving after every account anniversary will set off the cardboard’s annual $50 hotel credit.

I’ve discovered this credit score very helpful for brief stays at boutique and unbiased inns; I am utilizing this 12 months’s credit score for a weekend journey to a good friend’s wedding ceremony.

Whereas the Chase Sapphire Preferred could also be billed as a journey card, it is also a standout card for dining. It earns 3 Final Rewards factors per greenback spent on eating, together with eligible supply providers, takeout and eating out, in addition to on-line grocery orders.

Plus, because of Chase’s partnership with DoorDash, Sapphire Most popular Card holders can enroll to obtain a complimentary DashPass membership for at the least a 12 months (activate by December 31, 2027). I like this perk as a result of I can get monetary savings on each order with DashPass — with out paying the $96 annual DashPass charge.

As quickly as you might have your Sapphire Most popular Card in hand (or get a virtual card number), set it because the default fee methodology in your DoorDash account and activate your complimentary DashPass membership. You also needs to add it to different takeout and supply providers, in addition to your on-line grocery accounts, to maximise rewards on these purchases.

And should you take part in any dining rewards programs, make sure to add your Sapphire Most popular to those accounts. I like double-dipping on rewards this manner — I can stack incomes Chase factors and airline or lodge factors on the similar time.

Associated: Best dining credit cards

A lesser-known perk of the Chase Sapphire Preferred is that it earns 3 Final Rewards factors per greenback spent on choose streaming services.

Because of this, you may need to set your new card as your default fee methodology for subscriptions with providers corresponding to Disney+, Hulu, Netflix, Peacock and Spotify. You may see which retailers qualify for bonus factors at Chase’s rewards category page.

Associated: Credit cards that save you money on streaming subscriptions

Whereas the Chase Sapphire Preferred allows you to redeem your Ultimate Rewards factors at a flat charge of 1.25 cents every by way of Chase Journey, you’ll be able to typically get far more value by redeeming them with one among Chase’s 14 airline and lodge companions.

We usually advocate ready to switch your Chase factors till you have confirmed award availability with the airline or lodge. While you’re able to switch, you do not need something to decelerate the method — in any other case, that luxurious hotel room or first-class seat you might have your eye on may very well be snapped up earlier than the switch completes.

Most Chase Final Rewards transfers occur almost instantly, however they’ll take longer in case your companion loyalty account is comparatively new. That is why we advocate registering for loyalty accounts with Chase’s companions and linking them to your Chase account now — even should you do not plan to switch factors anytime quickly.

For example, since my house airport is a United Airways and Southwest Airways hub, I knew I’d ultimately use these switch companions. I clicked by way of Chase’s website like I’d to switch factors and linked my loyalty account numbers. Now my account says “Enrolled,” which means I am able to switch to those airways.

Associated: Why transferable points and miles are worth more than other rewards

When the time is best for you to get your subsequent card, including a Chase card that enhances your Sapphire Preferred may also help you construct your Final Rewards steadiness even quicker.

Our favourite playing cards to pair with the Chase Sapphire Most popular embrace:

Nevertheless, when planning your bank card technique, preserve Chase’s 5/24 rule in thoughts. The issuer will not approve you for a brand new card should you’ve opened 5 or extra bank cards (from any financial institution) within the final two years.

Associated: The ultimate guide to the best credit card combinations

There is a motive why the Chase Sapphire Preferred stays a TPG favorite 12 months after 12 months. Briefly, it is a wonderful earner with tons of perks and an inexpensive annual charge.

Comply with the steps above to start out maximizing the cardboard straight away, and you may see your Chase Final Rewards steadiness take off. To make sure you nab these bonus factors as a part of the welcome supply, try our tips for earning a welcome bonus.

Associated: Chase Sapphire Preferred benefits you might not know about