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Follow this guide to navigate the application process for one of the most coveted travel rewards cards — and start earning points from day one.
Apply on Chase's Official Site → ⚠ Clicking this button will take you to an external siteA good to excellent credit score is typically required — a FICO score of 700 or above is favorable. Chase also enforces the 5/24 rule: if you've opened five or more personal credit card accounts across all banks in the last 24 months, your application may be automatically declined. Stable income and a healthy debt-to-income ratio are also considered. Applicants must be U.S. residents and at least 18 years old.
Review your FICO score. A score of 700+ gives you the best approval odds. Use free tools like Credit Karma or your bank's credit monitoring service.
Chase offers Sapphire Preferred® and Sapphire Reserve®. Preferred has a lower annual fee and is ideal for those starting their travel rewards journey.
Have your Social Security Number, annual income, employment details, and monthly housing costs ready before starting the application.
Visit the official Chase website and complete the application form. Double-check all fields for accuracy before submitting.
Many applicants receive an instant decision. Others may require additional review. If approved, your card will arrive within 7–10 business days.
Activate your card immediately and focus on meeting the minimum spend to unlock the welcome bonus — a key source of initial value.
Head to the official Chase Sapphire Preferred® Credit Card application page to get started. The process takes just a few minutes.
Apply on Chase's Official Site → ⚠ You will be redirected to an external site not operated by MasFormulasA FICO score of 700 or above is generally recommended for the best approval chances, though Chase considers your full financial profile.
If you've opened 5 or more personal credit card accounts (with any issuer) in the past 24 months, Chase will typically decline your application automatically.
Many applicants receive an instant decision. In some cases, a manual review is needed, which can take 7–10 business days.
Yes — Chase Ultimate Rewards® points can be transferred to 14+ airline and hotel loyalty partners, often at a 1:1 ratio, providing exceptional value.
Informational Content Only. This page is provided for informational and educational purposes only and does not constitute financial, legal, or investment advice. We are not a financial institution, bank, or credit card issuer, and we are not affiliated with Chase Sapphire Preferred® Credit Card or any of its associated institutions.
External Links. Clicking the apply button above will redirect you to an external website operated by the card issuer. MasFormulas has no control over the content, availability, or terms presented on that external site. We are not responsible for any decisions made based on information found there.
Subject to Change. All information regarding card features, rewards, APR, fees, and eligibility is subject to change at any time by the respective issuer. Always verify the most current terms directly with the card issuer before applying.
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