Powerful Everyday Rewards Beyond the Bonus

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The Sapphire Preferred isn't just about the welcome bonus—it delivers exceptional ongoing value with competitive earning rates:

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These earning rates make the Sapphire Preferred competitive with premium travel cards charging much higher annual fees.

Premium Travel Benefits Without Premium Fees

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• $50 annual hotel credit for stays booked through Chase Travel

• Primary rental car insurance coverage (save $15-25 per day on rental insurance)

• Trip cancellation/interruption insurance up to $10,000 per person

• Trip delay reimbursement ($500 per ticket for delays over 12 hours)

• Purchase protection and extended warranty

• No foreign transaction fees on international purchases

• DoorDash DashPass membership (free for 12 months, then 50% off)

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The included travel protections alone can save you hundreds or thousands of dollars in the event of travel disruptions.

Maximizing Your 100,000 Chase Ultimate Rewards Points

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To help you visualize the extraordinary value of this 100K bonus, here are real-world redemption possibilities:

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Luxury Hotel Stays via Hyatt (Best Value)

Transfer your points to World of Hyatt for exceptional value:

• 4 nights at the Park Hyatt New York (25,000 points/night), where rooms routinely sell for $800-1,000/night
• 5 nights at the Andaz Maui at Wailea Resort (20,000 points/night), a luxury beachfront property
• 8 nights at the Hyatt Regency Bangkok (12,000 points/night), in the heart of Thailand's capital

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Premium Flight Redemptions

Access business class flights by transferring to airline partners:

• Round-trip business class from USA to Japan on ANA via Virgin Atlantic (95,000 points from East Coast)
• One-way business class to Europe via Air France/KLM Flying Blue (53,000+ points)
• Round-trip business class to Europe via Iberia Plus (68,000+ points)

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Multiple Economy Flights (Maximum Flexibility)

Make your points stretch further with economy redemptions:

• 4 round-trip flights to Hawaii from the West Coast via Singapore Airlines (24,000 points round-trip)
• 10+ one-way domestic flights on United or Southwest (as low as 9,000 points each)
• Family vacation for 4 with round-trip flights to Mexico or the Caribbean

Full List of Transfer Partners and Point Values

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Chase offers 1:1 transfers to these valuable travel partners:

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Pro tip: For maximum value, focus on transfers to World of Hyatt, Virgin Atlantic, and Air Canada Aeroplan.

Important Eligibility Requirements

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Before applying, ensure you meet these Chase requirements:

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• Chase 5/24 rule: You must have opened fewer than 5 personal credit cards (from any bank) in the past 24 months

• Sapphire product rules: You cannot currently hold any Sapphire card (Preferred, Reserve, or original Sapphire)

• Sapphire bonus rules: You must not have received a Sapphire bonus in the last 48 months

• Minimum credit score: While not officially published, successful applicants typically have scores of 670+

• Income requirements: You should have sufficient income to qualify for at least a $5,000 credit limit

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If you currently have a Sapphire card but want this offer:

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1. Downgrade your existing Sapphire card to a Freedom card
2. Wait at least 4 days after downgrading
3. Apply for the new Sapphire Preferred with the 100K offer

All the details here.

Important Fine Print Details

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• Current APR: 20.49% - 27.49% Variable APR based on creditworthiness

• Balance transfer fee: Either $5.00 or 5% of each transfer, whichever is greater

• Cash advance fee: Either $10.00 or 5% of each advance, whichever is greater

• Late payment fee: Up to $40

• Authorized users: Add authorized users at no additional cost

Why You Should Apply Now

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Limited-time offers like this typically don’t last long. Based on previous 100K promotions, we expect this offer to be available for approximately 4-8 weeks. Given the extraordinary value of this bonus and Chase's relatively strict application rules, eligible consumers should strongly consider applying sooner rather than later.

Final Verdict: This Could Be the Best Credit Card Offer of 2025

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The Chase Sapphire Preferred 100K offer isn't just good—it's exceptional. At a time when many premium travel cards charge $550+ annual fees, Chase is offering potentially $2,000+ in value for just $95. This isn't just a great deal; it's the kind of opportunity that serious points enthusiasts and travel hackers wait years for.

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Let's be crystal clear: if you qualify for this card and don't already have a Sapphire product, applying should be your immediate priority. 

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Here's why:

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• The 100K bonus is 66% higher than the standard offer

• The $95 annual fee is easily offset by the $50 hotel credit and other benefits

• The flexible redemption options work for both immediate travel needs and long-term point banking

• Chase points are consistently rated among the most valuable in the industry

• Previous 100K offers have disappeared quickly, sometimes in as little as 2-3 weeks

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For perspective, many experienced travelers would gladly pay the $95 annual fee just for the opportunity to earn this bonus—even if the card had no other benefits at all.

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With economic uncertainty and rising travel costs, having 100,000 flexible travel points in your arsenal could save you thousands on your next vacation or emergency trip.