Got the Chase Sapphire Preferred with 100,000 point bonus? Do these 6 things next

Jun 9, 2021

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There’s no question that the Chase Sapphire Preferred Card is one of my all-around favorite credit cards. Before the Chase Sapphire Reserve launched, I used the Sapphire Preferred for years to cover most of my purchases — thanks to the 2 points per dollar earned on all travel and 3 points per dollar dining, two broad categories that cover far more than just the obvious restaurants and hotels.

Related: A top travel card contender: Chase Sapphire Preferred credit card

Those fully transferable points are incredibly valuable with all sorts of redemption options. Add in the current all-time high sign-up bonus — 100,000 bonus points after you spend $4,000 on purchases in the first three months from account opening — and it’s easily one of the best travel credit cards out there, especially for beginners to points and miles.

Application link: Chase Sapphire Preferred Card available with 100,000 bonus points after $4,000 in spending in the first three months.

If you just got your Chase Sapphire Preferred with its historic welcome bonus, make sure you take these steps so that you’re maximizing your card and points from day one.

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Consider adding an authorized user

(Screenshot courtesy of Chase)

Having an authorized user on your Sapphire Preferred account lets you earn points faster and makes it easier to hit the card’s $4,000 spending threshold to earn the current 100,000-point sign-up bonus. It can also enable you to transfer the points to one of Chase’s 10 airline frequent flyer or three hotel partner’s program account in the name of one household member who is also an authorized user on your card.

It takes less than a minute to add an authorized user online, and there are a ton of ways to maximize Chase points.

Related: Adding your kids as authorized users to your credit cards

Add your card to takeout and delivery apps

By adding the Chase Sapphire Preferred to delivery services such as Seamless and Grubhub, you’ll maximize your point-earning ability since you get 3 points per dollar on all dining purchases. If you have other cards that earn extra points for dining at restaurants, such as the American Express® Gold Card (4 points per dollar spent on dining at restaurants), you may want to use those cards instead. Regardless, be sure to add your card to dining rewards programs to earn bonus points for eating at restaurants.

And you definitely don’t want to forget DoorDash. You’ll want to add your card to your DoorDash account and activate your complimentary year of DashPass as soon as you can so you can start enjoying $0 delivery and reduced service fees on eligible orders.

Related: The best credit cards for dining out, taking out and ordering in

Set the card as your default for future travel purchases

Toll payments often earn 2 points per dollar. (Photo by pkanchana/Getty Images)
Toll payments often earn 2x points per dollar spent on the Chase Sapphire Preferred card. (Photo by pkanchana/Getty Images)

When you pay for travel with the Sapphire Preferred, you’ll earn 2 points for every dollar spent, even on expenses such as E-ZPass tolls and monthly parking. Based on TPG’s valuations, this equals a 4% return on spending.

When taking a Lyft ride charged to your Sapphire Preferred, you’ll actually earn 5 points per dollar until March 2022.

Chase defines travel very broadly, counting “airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages” as travel for 2 points per dollar on the Chase Sapphire Preferred.

Not only that, but the card comes with some built-in travel protections that make it a really smart choice when booking your next flight, car rental, etc.

Update your rental car profile

(Screenshot courtesy of nationalcar.com)

Adding your Chase Sapphire Preferred info to your various rental car profiles lets you take advantage of the card’s primary rental car coverage, which will save you a bundle on each car rental. This gives you full coverage for many car rentals around the world. Plus, car rentals count as travel and earn the 2 point per dollar bonus, so you’ll get double points and enhanced protections.

As travel starts to return and domestic road trips are being planned, this is an increasingly important step to take.

Related: Best credit cards for rental car coverage

Add it to your Peloton account

If you are a Peloton fan — or are hoping to become one — the Sapphire Preferred is a pretty rewarding card for Peloton purchases and ongoing memberships.

(Photo by Chris Dong/The Points Guy)

When paying with the Sapphire Preferred, you will earn 5 points per dollar on Peloton Bike, Tread and accessory purchase over $1,800, with a max earn of 25,000 points.

On top of that, the Sapphire Preferred also provides up to $60 in statement credits on monthly Peloton memberships, so go ahead and make it the default card in your Peloton profile if you pay for monthly classes to save yourself $60.

Complete the Chase Quartet

When the time is right for you to get your next card, adding the Ink Business Preferred Credit Card, Chase Freedom Flex and/or Chase Freedom Unlimited cards to your wallet will allow you to build up your Ultimate Rewards balance even faster.

For example, with the Ink, you can earn 3 points per dollar on the first $150,000 spent each account anniversary on travel, shipping purchases, internet, cable, phone services, and advertising purchases made with social media sites.

Meanwhile, the Freedom Unlimited offers 1.5% cash back on purchases, but that cash back comes in the form of Ultimate Rewards points that can be combined with the ones from your other Chase Trifecta cards and transferred to valuable airline and hotel partners.

Finally, the rotating quarterly categories on the Chase Freedom Flex let you earn at 5 points per dollar with specific types of merchants each quarter, on up to $1,500 in spending per quarter. Categories for the second quarter of 2021 are gas stations and home improvement stores. The Freedom Flex and Freedom Unlimited also offer 5% back on travel booked through the Chase Ultimate Rewards portal and 3% back on dining and drugstores.

Remember Chase’s 5/24 rule, under which Chase won’t approve your application for additional credit cards if you’ve opened five or more credit cards (from any bank) in the last two years, and make sure you sign up for these three cards before adding others to your portfolio.

Related: Maximize your wallet with the perfect quartet of Chase cards

Bottom line

Even after 12 years, I still love the Chase Sapphire Preferred as a great card with an annual fee under $100, and I think you will, too. With this 100,000 point welcome bonus, there’s never been a better time to give the card a try.

Just be sure to follow the steps above to make sure you’re earning as many points and statement credits as possible. When you get the card, your hard work can definitely pay off with some epic award trips available just around the corner.

Apply here for the Chase Sapphire Preferred Card with a 100,000-point bonus.

Featured photo by Isabelle Raphael/The Points Guy.

Delta SkyMiles® Platinum American Express Card

Earn 50,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new card in the first three months of card membership. Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants in the first three months of card membership.

With Status Boost™, earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year getting you closer to Medallion Status. Earn 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants and at U.S. supermarkets and earn 1X Mile on all other eligible purchases. Terms Apply.

Apply Now
More Things to Know
  • Earn 50,000 Bonus Miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new Card in your first 3 months.
  • Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants with your card within the first 3 months of membership.
  • Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • Earn 1X Miles on all other eligible purchases.
  • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. *Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Enjoy your first checked bag free on Delta flights.
  • Fee Credit for Global Entry or TSA Pre✓®.
  • Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
  • No Foreign Transaction Fees.
  • $250 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Regular APR
15.74%-24.74% Variable
Annual Fee
$250
Balance Transfer Fee
N/A
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

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