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There’s no question that Chase Sapphire Preferred has historically been one of my all-around favorite credit cards. Before the Chase Sapphire Reserve launched, I used the Chase Sapphire Preferred for most of my purchases, thanks to the 2x points 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’ve earned lots of points that I very often put to good use. This card also has a strong sign-up bonus of 50,000 points when you spend $4,000 within the first three months.
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
You’ll earn an extra 5,000 bonus points, which are worth $105 based on my most recent point valuations in February 2018, when you add an authorized user and complete a purchase after first getting the Sapphire Preferred. 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, and there are a ton of ways to maximize Chase points.
2. Update your rental car profile
Adding your CSP info to your various rental car profiles lets you take advantage of Chase Sapphire Preferred’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 under the 2x point travel bonus, so you’ll get double points and enhanced protection.
3. Set the CSP as your default for travel purchases
When you pay for travel with the Sapphire Preferred, you’ll earn 2 points for every dollar spent, even on expenses like E-ZPass and monthly parking. Of course, this is if you don’t have the Chase Sapphire Reserve, which earns you 3 points per dollar on all the same purchases. Also add Sapphire to your Uber account so you get 2x points and no foreign transaction fees when using Uber abroad. Chase defines travel very broadly, counting “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” as travel for 2x points on the CSP.
4. Add your card to online dining sites
By adding the Chase Sapphire Preferred to delivery services like Seamless, you’ll maximize your point earning ability since you get 2x points on all dining purchases. Again, this is only if you don’t have the Reserve, which will earn 3x points on dining. Unfortunately, there are reports of GrubHub and some other delivery outfits not always earning 2x points, but as of this writing, Seamless does get you bonus points on restaurant deliveries, and you can test other services to see whether they also code as dining. Also, be sure to add your card to dining rewards programs to earn bonus miles for eating at restaurants.
5. Complete the “Chase Trifecta”
By adding the Ink Business Preferred and Chase Freedom Unlimited cards, you’ll be able to build your Ultimate Rewards balance even more quickly. With Ink, for example, you can earn 3 points per dollar on the first $150,000 spent annually on travel, shipping purchases, internet cable and phone services and advertising purchases made with social media sites. Meanwhile the Freedom Unlimited offers 1.5% cash back on every purchase, 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.
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.
Featured photo by Eric Helgas for The Points Guy
The American Express Platinum card has some of the best perks out there: cardholders enjoy the best domestic lounge access (Delta SkyClubs, Centurion Lounges, and Priority Pass), a $200 annual airline fee credit as well as up to $200 in Uber credits, and mid-tier elite status at SPG, Marriott, and Hilton. Combined with the 60,000 point welcome offer -- worth $1,140 based on TPG's valuations -- this card is a no-brainer for frequent travelers. Here are 5 reasons you should consider this card, as well as how you can figure out if the $550 annual fee makes sense for you.
- Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
- Up to $200 for Uber rides annually. Credit and Uber VIP status available to Basic Card Member only.
- 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
- 5X Membership Rewards® points on eligible hotels booked on amextravel.com.
- As a Platinum Card Member, you can enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
- Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
- $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
- Terms Apply.
- See Rates & Fees