{"id":469,"date":"2025-10-17T14:25:04","date_gmt":"2025-10-17T14:25:04","guid":{"rendered":"https:\/\/apps.suabencao.com\/?p=469"},"modified":"2025-10-30T14:39:49","modified_gmt":"2025-10-30T14:39:49","slug":"unlock-premium-travel-complete-guide-to-applying-for-the-chase-sapphire-preferred-card-in-the-us","status":"publish","type":"post","link":"https:\/\/apps.suabencao.com\/hr\/unlock-premium-travel-complete-guide-to-applying-for-the-chase-sapphire-preferred-card-in-the-us\/","title":{"rendered":"Unlock Premium Travel: Complete Guide to Applying for the Chase Sapphire Preferred Card in the US"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">The <strong>Chase Sapphire Preferred\u00ae Card<\/strong> is widely acclaimed as one of the best <strong>travel credit cards<\/strong> in the US. With an annual fee of just $95 and a vast array of benefits, it is the ideal gateway to the lucrative world of <strong>Chase Ultimate Rewards<\/strong> travel points.<\/p>\n\n\n<div class=\"lazyblock-cta-download-2-Z2r6ISL wp-block-lazyblock-cta-download-2\">\r\n<div class=\"mt-16 md:flex md:justify-center\">\r\n    <div class=\"md:max-w-2xl lg:max-w-4xl w-full\">\r\n        <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\r\n            <div class=\"w-16 h-full bg-custom\"><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"flex items-center md:items-start flex-col max-md:px-5 max-md:border border-slate-200\">\r\n            <div class=\"flex max-md:flex-col max-md:justify-center items-center py-5 gap-6 md:border-b border-slate-200 w-full\">\r\n                                    <img decoding=\"async\" class=\"w-full md:w-2\/5 h-48 object-cover object-center rounded border-gray-100 border-2\"\r\n                        src=\"https:\/\/apps.suabencao.com\/wp-content\/uploads\/2025\/10\/PREFERRED.png\"\r\n                        alt=\"Sapphire Preferred\">\r\n                    \r\n                <div class=\"flex-1 max-md:text-center\">\r\n                                            <span class=\"text-sm title-font text-slate-500 tracking-wide uppercase\">Credit Card<\/span>\r\n                    \r\n                                            <h2 class=\"text-[1.75rem] font-medium flex-1\">\r\n                            Sapphire Preferred                        <\/h2>\r\n                    \r\n                                            <div class=\"flex items-center gap-2 mt-3 max-md:justify-center\">\r\n                                                                                                <span class=\"rounded post-category text-xs uppercase font-semibold bg-custom\/10 text-custom px-2 py-1 mb-1.5\">\r\n                                        Reward points for travel                                    <\/span>\r\n                                                                                                                                <span class=\"rounded post-category text-xs uppercase font-semibold bg-custom\/10 text-custom px-2 py-1 mb-1.5\">\r\n                                        Exclusive benefits on hotels and flights                                    <\/span>\r\n                                                                                                                                <span class=\"rounded post-category text-xs uppercase font-semibold bg-custom\/10 text-custom px-2 py-1 mb-1.5\">\r\n                                        Purchase protection &amp; travel insurance                                    <\/span>\r\n                                                                                    <\/div>\r\n                    \r\n                                            <span class=\"text-base mt-2 block\">\r\n                            Wide international acceptance                        <\/span>\r\n                                    <\/div>\r\n            <\/div>\r\n    \r\n            <div class=\"py-6 text-right gap-4 md:gap-6 w-full md:text-center\">\r\n                <a href=\"https:\/\/creditcards.chase.com\/cash-back-credit-cards\/freedom\/unlimited?CELL=6TKV\"\r\n                    aria-label=\"How to acess\"\r\n                    class=\"no-underline text-center mb-2 max-md:w-full bg-custom hover:opacity-80 transition-colors text-base inline-block text-white py-3 px-6 text-md font-semibold rounded\">\r\n                    How to acess                <\/a>\r\n                <span class=\"block text-xs text-center text-slate-500 mt-3\">You will go to another site<\/span>\r\n            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n<\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\">This article is your essential and detailed guide, optimized to help you understand all the steps and requirements for applying for your card.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83c\uddfa\ud83c\uddf8 US Guide: How to Apply for the Chase Sapphire Preferred Card<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ready to start earning big points on travel and dining? The Chase Sapphire Preferred\u00ae is a favourite among US travellers. Here&#8217;s a quick, friendly guide to getting yours!<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Introduction: Why the Preferred?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>Chase Sapphire Preferred\u00ae<\/strong> is one of the most popular travel rewards credit cards in the US. It&#8217;s the perfect choice if you love earning valuable points on things like dining and travel, which you can later transfer to airlines or hotels. Getting started is simple!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Step 1: Head to the Official Chase Website<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Your first step is always the bank&#8217;s home base.<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>Open your browser and navigate to the official Chase website: <strong><code>www.chase.com<\/code><\/strong><\/li>\n\n\n\n<li>Once you&#8217;re on the homepage, look for the main menu. You&#8217;ll want to click on the third option, <strong>\u201cCredit Cards.\u201d<\/strong><\/li>\n\n\n\n<li>From the dropdown menu, select the first option, <strong>\u201cExplore Credit Cards.\u201d<\/strong><\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/guiafinancas.com.br\/wp-content\/uploads\/2025\/10\/image-6-1024x430.png\" alt=\"\" class=\"wp-image-13344\"\/><figcaption class=\"wp-element-caption\">Chase Bank homepage<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tip:<\/strong> <em>Using a stable internet connection ensures your application process runs smoothly.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Step 2: Find the Sapphire Preferred<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Now you&#8217;ll browse the various cards Chase offers.<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>On the &#8220;Explore Credit Cards&#8221; page, you\u2019ll see a list of many different Chase cards, like the Chase Freedom Flex\u00ae, Sapphire Reserve, and UnitedSM Explorer.<\/li>\n\n\n\n<li>Scan the list and locate the <strong>Chase Sapphire Preferred<\/strong>. It&#8217;s usually featured prominently.<\/li>\n\n\n\n<li>Once you find it, click the prominent <strong>blue \u201cApply Now\u201d<\/strong> button right next to the card&#8217;s details.<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/guiafinancas.com.br\/wp-content\/uploads\/2025\/10\/image-7-1024x609.png\" alt=\"\" class=\"wp-image-13345\"\/><figcaption class=\"wp-element-caption\"> Chase credit cards page<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/guiafinancas.com.br\/wp-content\/uploads\/2025\/10\/image-8-1024x613.png\" alt=\"\" class=\"wp-image-13346\"\/><figcaption class=\"wp-element-caption\">Chase credit cards page<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pro-Tip:<\/strong> <em>If you don&#8217;t see it immediately, you can often filter the cards by &#8220;Travel Rewards&#8221; to find it faster.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Step 3: Fill Out the Secure Application Form<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This is the final step where you provide your information. Chase makes this process easy, often taking just a few minutes.<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>You&#8217;ll be taken to the <strong>secure application form<\/strong>. Take your time and fill in all the required details accurately, including:\n<ul class=\"wp-block-list\">\n<li><strong>Personal Info:<\/strong> Your full name and date of birth.<\/li>\n\n\n\n<li><strong>ID Info:<\/strong> Your Social Security Number (SSN) or ITIN.<\/li>\n\n\n\n<li><strong>Contact\/Address:<\/strong> Your current residential and mailing address, phone number, and email.<\/li>\n\n\n\n<li><strong>Financial Details:<\/strong> Your total annual income and any other required financial details.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Once everything is complete, submit the form. Chase will run a credit check, and you might receive an instant decision!<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/guiafinancas.com.br\/wp-content\/uploads\/2025\/10\/image-9-1024x588.png\" alt=\"\" class=\"wp-image-13347\"\/><figcaption class=\"wp-element-caption\"> Chase Sapphire Preferred credit card application form page<\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What Happens Next?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If approved, you&#8217;ll receive your new <strong>Chase Sapphire Preferred<\/strong> card at the mailing address you provided within about 7 to 10 business days. Time to start planning your next trip!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ready to turn your everyday spending into points?<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Everything People Need to Know to Apply for the Card \u2013 A Detailed and Educational Guide<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>Chase Sapphire Preferred<\/strong> is more than just a card; it is a strategic tool for accumulating rewards in key spending categories, such as <strong>travel and dining<\/strong>. The application process is straightforward, but eligibility depends on some strict and specific Chase requirements.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Overview of Key Rewards and Fees<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The card stands out for its rewards structure and benefits that far outweigh its annual fee:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>Feature<\/strong><\/td><td><strong>Detail<\/strong><\/td><\/tr><\/thead><tbody><tr><td><strong>Annual Fee<\/strong><\/td><td><strong>$95<\/strong><\/td><\/tr><tr><td><strong>Foreign Transaction Fees<\/strong><\/td><td><strong>$0 (Zero)<\/strong> \u2013 Perfect for international use.<\/td><\/tr><tr><td><strong>Travel Rewards<\/strong><\/td><td><strong>5x points<\/strong> on travel booked via Chase Travel\u2120.<\/td><\/tr><tr><td><strong>Dining Rewards<\/strong><\/td><td><strong>3x points<\/strong> on dining, including eligible delivery services.<\/td><\/tr><tr><td><strong>Other Travel Purchases<\/strong><\/td><td><strong>2x points<\/strong> on other travel purchases (airfare, hotels, taxis).<\/td><\/tr><tr><td><strong>Anniversary Bonus<\/strong><\/td><td><strong>10% bonus<\/strong> on points earned in the previous year, awarded on each account anniversary.<\/td><\/tr><tr><td><strong>Hotel Credit<\/strong><\/td><td><strong>$50 statement credit<\/strong> each anniversary year for hotel stays booked via Chase Travel\u2120.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">2. Eligibility Requirements and Chase Rules<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Eligibility for the <strong>Chase Sapphire Preferred<\/strong> is determined by traditional credit factors, but also by internal Chase rules that you must be aware of.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">A. The Ideal Credit Profile<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">To significantly increase your chances of approval, you should have:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Good to Excellent Credit:<\/strong> Generally, a solid credit history with a FICO credit score of <strong>700 or higher<\/strong>.<\/li>\n\n\n\n<li><strong>Positive History:<\/strong> A history of on-time payments and a low credit utilization ratio.<\/li>\n\n\n\n<li><strong>Minimum Credit Limit:<\/strong> As it is a <strong>Visa Signature<\/strong> card, Chase requires a minimum credit limit of <strong>$5,000<\/strong> for approval.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">B. Chase&#8217;s Golden Rules (5\/24 and 48 Months)<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Chase imposes two crucial restrictions that affect most consumer <strong>rewards credit cards<\/strong>:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>The 5\/24 Rule:<\/strong> This is the most important requirement. If you have opened <strong>five or more personal credit cards<\/strong> (from any bank, not just Chase) in the last <strong>24 months<\/strong>, your application for the Sapphire Preferred will be automatically denied. This rule underscores the importance of applying for this card early in your <strong>points accumulation strategy<\/strong>.<\/li>\n\n\n\n<li><strong>The 48-Month Bonus Rule:<\/strong> You <strong>are not eligible<\/strong> to receive the welcome bonus for the Sapphire Preferred if you are a <strong>current cardholder<\/strong> of any Sapphire card or if you <strong>received a bonus<\/strong> from any Sapphire card (Preferred or Reserve) in the <strong>last 48 months<\/strong> (4 years).<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">3. The Detailed Online Application Process<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Applying for the card is a secure digital process that can be completed on the official Chase website.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Step 1: Access the Official Website<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Navigate directly to the official <strong>Chase Sapphire Preferred Card<\/strong> page on the Chase portal.<\/li>\n\n\n\n<li>Before clicking &#8220;Apply Now,&#8221; it is highly recommended to review the Terms and Conditions to confirm the current welcome bonus offer.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Step 2: Information Input<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">The application form will require you to provide accurate personal and financial information:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Identification:<\/strong> Full Name, Address, Date of Birth, and, crucially, your <strong>Social Security Number (SSN)<\/strong> or <strong>Individual Taxpayer Identification Number (ITIN)<\/strong>.<\/li>\n\n\n\n<li><strong>Finances:<\/strong> Total annual income (which includes salary, bonuses, investment income, and other sources) and source of income (employed, self-employed, etc.).<\/li>\n\n\n\n<li><strong>Residence:<\/strong> Housing status (own, rent) and the amount of your monthly mortgage or rent payment.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Step 3: Review and Submission<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Review all information carefully. Inconsistencies can lead to delays or denial.<\/li>\n\n\n\n<li>Upon submission, you authorize Chase to perform a <strong>&#8220;hard inquiry&#8221;<\/strong> (hard pull) on your credit report. This inquiry is a necessary factor in the approval process and will have a small, temporary impact on your score.<\/li>\n\n\n\n<li>Click &#8220;Submit.&#8221;<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Step 4: The Approval Process<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Instant Decision:<\/strong> Many applicants receive an approval response within minutes.<\/li>\n\n\n\n<li><strong>Pending Decision:<\/strong> If your application goes into &#8220;Pending&#8221; status, this is not necessarily a denial. It may mean that Chase needs to verify information or, more commonly, that you have reached the maximum credit limit Chase is willing to extend. In this case, many experts suggest calling the Chase <strong>reconsideration line<\/strong> to potentially move credit from an existing Chase card to the new Sapphire Preferred.<\/li>\n\n\n\n<li><strong>Card Arrival:<\/strong> If approved, the physical card will be mailed to your US address within 7 to 10 business days.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Overview of Chase Bank<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>Chase Sapphire Preferred<\/strong> is issued by JPMorgan Chase Bank, N.A., which operates the consumer brand <strong>Chase<\/strong>. The institution is a giant in the US financial landscape, lending high credibility to the card.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"612\" height=\"408\" src=\"https:\/\/apps.suabencao.com\/wp-content\/uploads\/2025\/10\/image-22.png\" alt=\"\" class=\"wp-image-475\" srcset=\"https:\/\/apps.suabencao.com\/wp-content\/uploads\/2025\/10\/image-22.png 612w, https:\/\/apps.suabencao.com\/wp-content\/uploads\/2025\/10\/image-22-300x200.png 300w\" sizes=\"auto, (max-width: 612px) 100vw, 612px\" \/><figcaption class=\"wp-element-caption\">Chase Bank | Credit: UCG\/Universal Images Group via Getty Images<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Credibility and Operations<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Largest US Bank:<\/strong> JPMorgan Chase &amp; Co. is the largest financial institution in the United States by assets and one of the largest globally, operating as a systemically important bank (Too Big to Fail).<\/li>\n\n\n\n<li><strong>Comprehensive Presence:<\/strong> Chase operates one of the largest retail banking networks in the US, with thousands of branches and ATMs nationwide. This extensive physical infrastructure complements its robust digital services, making it accessible to millions of consumers.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/guiafinancas.com.br\/wp-content\/uploads\/2025\/10\/image-5.png\" alt=\"\" class=\"wp-image-13340\"\/><figcaption class=\"wp-element-caption\">Chase bank<\/figcaption><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Consumer Services:<\/strong> Under the Chase brand, the bank offers a vast range of products, including checking and savings accounts, auto loans, mortgages, and, of course, its award-winning portfolio of <strong>rewards credit cards<\/strong>.<\/li>\n\n\n\n<li><strong>Security:<\/strong> Chase Bank is an <strong>FDIC-insured<\/strong> institution, guaranteeing the safety of customer deposits and reinforcing its stability in the American financial market.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Chase&#8217;s solidity is a trust factor for consumers seeking a long-term premium card, such as the Sapphire Preferred, anchored by one of the most stable institutions in the market.<\/p>\n\n\n<div class=\"lazyblock-cta-download-ZCSdHH wp-block-lazyblock-cta-download\">\n<div>\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n        <div class=\"w-16 h-full bg-custom\"><\/div>\n    <\/div>\n\n    <div class=\"flex items-center md:items-end flex-col max-md:px-5 max-md:border border-slate-200\">\n        <div class=\"flex max-md:flex-col max-md:justify-center items-center py-5 gap-6 md:border-b border-slate-200\">\n                            <img decoding=\"async\" class=\"md:w-2\/5 w-full h-48 object-cover object-center rounded border-gray-100 border-2\"\n                    src=\"https:\/\/guiafinancas.com.br\/wp-content\/uploads\/2025\/10\/images-3.png\"\n                    alt=\"Chase bank\">\n                \n            <div class=\"flex-1 max-md:text-center\">\n                                    <span class=\"text-sm title-font text-slate-500 tracking-wide uppercase\">Bank<\/span>\n                \n                                    <h2 class=\"text-[1.75rem] font-medium flex-1\">\n                        Chase bank                    <\/h2>\n                \n                                    <div class=\"flex items-center gap-2 mt-3 max-md:justify-center\">\n                                                                                    <span class=\"rounded post-category text-xs uppercase font-semibold bg-custom\/10 text-custom px-2 py-1 mb-1.5\">\n                                    Global Presence                                <\/span>\n                                                                                                                <span class=\"rounded post-category text-xs uppercase font-semibold bg-custom\/10 text-custom px-2 py-1 mb-1.5\">\n                                    Strong Financial Stability                                <\/span>\n                                                                                                                <span class=\"rounded post-category text-xs uppercase font-semibold bg-custom\/10 text-custom px-2 py-1 mb-1.5\">\n                                    Diverse Credit Card Options                                <\/span>\n                                                                        <\/div>\n                \n                                    <span class=\"text-base mt-2 block\">\n                        Diverse Credit Card Options                    <\/span>\n                            <\/div>\n        <\/div>\n    \n        <div class=\"py-6 text-right gap-4 md:gap-6\">\n                            <a href=\"https:\/\/www.chase.com\/\"\n                    aria-label=\"How to access\"\n                    class=\"no-underline text-center mb-2 max-md:w-full bg-custom hover:opacity-80 transition-colors text-base inline-block text-white py-3 px-6 text-md font-semibold rounded\">\n                    How to access                <\/a>\n            \t\t\t\t\t\t\t<span class=\"block text-xs text-center sm:text-right text-slate-500 mt-3\">\n\t\t\t\t\tYou will be redirected to another website\t\t\t\t<\/span>\n\t\t\t\n        <\/div>\n    <\/div>\n<\/div><\/div>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions (FAQ) about the Chase Sapphire Preferred<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. Do my Chase Ultimate Rewards points expire?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No. <strong>Chase Ultimate Rewards<\/strong> points do not expire as long as your account remains open and in good standing. There is no limit to the number of points you can earn.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Can I have the Sapphire Preferred and the Sapphire Reserve at the same time?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No. According to Chase&#8217;s rules, you can only hold <strong>one personal Sapphire credit card<\/strong> (either the Preferred or the Reserve) at any given time. If you have one, you must downgrade or close the existing card before applying for the other, subject also to the 48-month bonus rule.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. How does the 25% increase in redemption value work?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">When redeeming your points for travel through the <strong>Chase Travel\u2120<\/strong> portal, the points are valued at a fixed <strong>1.25 cents per point<\/strong>. This means a 60,000-point bonus is worth $750 instead of $600 (1 cent per point) if redeemed for cash back or a statement credit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Does the 5\/24 Rule include debit cards or store cards?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The 5\/24 rule applies to most <strong>personal credit cards<\/strong> from any issuer, including store credit cards that appear on your credit report. Authorized User accounts may also count, and if this is preventing your approval, you can try removing yourself from the account before applying and calling the Chase reconsideration line.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Does the card have any important travel insurance benefits?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. The <strong>Chase Sapphire Preferred<\/strong> offers robust insurance benefits, including the <strong>Primary Auto Rental Collision Damage Waiver<\/strong> (which provides primary coverage for rental cars, a high-value benefit), trip cancellation\/interruption insurance, and baggage delay insurance, providing significant peace of mind on your travels.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Chase Sapphire Preferred\u00ae Card is widely acclaimed as one of the best travel credit cards in the US. With an annual&#8230;<\/p>","protected":false},"author":6,"featured_media":245,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mc_post_carrossel_enabled":"","_mc_post_carrossel_paragraph":0,"_mc_post_botao_enabled":"","_mc_post_botao_variant":-1,"_mc_post_botao_paragraph":0,"_mc_post_cin_enabled":"","_mc_post_cin_text_variant":-1,"_mc_post_cin_paragraph":0,"_mc_post_avn_enabled":"","_mc_post_avn_text_variant":-1,"_mc_post_avn_paragraph":0,"_mc_post_quiz_inline_enabled":"","_mc_post_quiz_inline_paragraph":0,"_mc_post_comparador_enabled":"","_mc_post_comparador_paragraph":0,"_mc_post_card_download_enabled":"","_mc_post_card_download_paragraph":0,"footnotes":""},"categories":[647],"tags":[],"class_list":["post-469","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized-pt","entry"],"_links":{"self":[{"href":"https:\/\/apps.suabencao.com\/hr\/wp-json\/wp\/v2\/posts\/469","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/apps.suabencao.com\/hr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/apps.suabencao.com\/hr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/apps.suabencao.com\/hr\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/apps.suabencao.com\/hr\/wp-json\/wp\/v2\/comments?post=469"}],"version-history":[{"count":5,"href":"https:\/\/apps.suabencao.com\/hr\/wp-json\/wp\/v2\/posts\/469\/revisions"}],"predecessor-version":[{"id":480,"href":"https:\/\/apps.suabencao.com\/hr\/wp-json\/wp\/v2\/posts\/469\/revisions\/480"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/apps.suabencao.com\/hr\/wp-json\/wp\/v2\/media\/245"}],"wp:attachment":[{"href":"https:\/\/apps.suabencao.com\/hr\/wp-json\/wp\/v2\/media?parent=469"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/apps.suabencao.com\/hr\/wp-json\/wp\/v2\/categories?post=469"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/apps.suabencao.com\/hr\/wp-json\/wp\/v2\/tags?post=469"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}