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5 Things To Do When You Get Chase Sapphire Preferred

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The sign-up offer for the Chase Sapphire Preferred card has been increased from 40,000 to 50,000 points after $4,000 spent within the first three months. You can earn an additional 5,000 points when you add an authorized user and make a purchase within the first 3 months as well.

There’s no question that Chase Sapphire Preferred is one of my all-around favorite credit cards — while I do carry plenty of other cards in my wallet, I ultimately end up using Chase Sapphire for most of my purchases, thanks to the 2x points I earn on all travel and dining, including expenses like Uber rides, tolls, Seamless and Postmates, in addition to the obvious restaurants and hotels. I consider Ultimate Rewards points to be incredibly valuable, so I’m earning lots of points that I very often put to good use.

But as always, there are tricks to keep in mind in order to be a Chase Sapphire Preferred power user. Be sure to follow these steps to make the most of your card after it arrives in the mail:

1. Add an authorized user and complete a purchase to earn an extra 5,000 bonus points. You have three months from the date you apply to complete this process, but even though you have some time to get it done, there’s no reason to wait. It takes less than a minute to add an authorized user online. I value Ultimate Rewards points at 2.1 cents each, so that’s a $105 return on just a few seconds of work.

It takes less than a minute to add an authorized user.
It takes less than a minute to add an authorized user.

2. Update your rental car profile with your card info to take advantage of Chase Sapphire Preferred’s primary rental car coverage, which will save you a bundle on each car rental. Chase added this perk last year, giving you full coverage with many car rentals around the world. Plus, car rentals count under the 2x point travel bonus, so you’ll get double points and enhanced protection.

Update your car rental profile.
Update your car rental profile.

3. Set it as your default for most travel purchases, so you’ll at least earn 2 points for every dollar spent, even on expenses like E-ZPASS and monthly parking. Also add Sapphire to your Uber account so you get 2x points and no foreign transaction fees when using Uber abroad. Chase defines travel as “airlines, hotels, motels, timeshares, campgrounds, car rental agencies, cruise lines, travel agencies, discount travel sites, operators of passengers trains, buses, taxis, limos, ferries, tolls, bridges, highways, and parking lots and garages.”

Toll payments often earn 2 points per dollar.
Toll payments often earn 2 points per dollar.

4. Add your card to online dining sites, such as Seamless, in order to maximize 2x points on all dining purchases. Unfortunately there are reports of GrubHub not earning 2x points, though Seamless does get you bonus points on restaurant deliveries. Also, be sure to add your card to dining rewards programs (see this post to learn how to earn bonus miles for dining out). Bonus: Even delivery service Postmates gets 2x on dining, and you can order a lot more than food through this super convenient delivery service.

Add Sapphire to your Seamless account.
Add Sapphire to your Seamless account.

5. Complete the “Chase trifecta” by adding the Ink Plus Business and Chase Freedom cards, which allow you to build your Ultimate Rewards balance even more quickly through spending in select bonus categories. With Ink, for example, you can earn 5 points per dollar on the first $50,000 spent annually at office supply stores and on phone, landing, internet and TV services. Meanwhile Freedom offers rotating 5x bonus categories, view the calendar here.

Note that Chase may not approve your application for Ultimate Rewards-earning cards if you’ve opened more than four credit cards (from any bank) in the last two years, so make sure you sign up for these three cards before adding others to your portfolio.

I love my Chase Sapphire Preferred card and you will too! Just be sure to follow the steps above to make sure you’re earning as many points as possible. Your hard work can definitely pay off.

Chase Sapphire Preferred® Card

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  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Intro APR Regular APR Annual Fee Foreign Transaction Fee Credit Rating
N/A 16.24%-23.24% Variable Introductory Annual Fee of $0 the first year, then $95 0% Excellent Credit