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What Credit Score Do You Need to Get the Chase Sapphire Preferred® Card?

Published Aug. 12, 2025
Brooklyn Sprunger
Author: Brooklyn Sprunger
Brooklyn Sprunger
Brooklyn Sprunger

Brooklyn leads the content team behind product reviews and ratings at Motley Fool Money, ensuring readers get well-researched, expert-backed insights to make smarter financial decisions. With nearly seven years working full-time in financial content -- four of them at The Motley Fool -- she has developed a deep passion for personal finance, from investing strategies to everyday money management. Her financial goals include buying a house and planning as many trips as her budget allows. In her free time, you’ll likely find her listening to a pop culture podcast or telling anyone who will listen to get a high-yield savings account.

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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation.

The Chase Sapphire Preferred® Card (see rates and fees) was my first credit card, and it's still one of my favorites. With a low annual fee and versatile points, it's been my go-to for everything from flights and hotels to late-night takeout.

If you're hoping to get this card in your wallet, here's what you need to know: most applicants will need a credit score of 700 or higher to qualify. Chase looks for strong credit, but they don't publish a hard cutoff. Anecdotally, folks with scores in the high 600s have been approved, especially if they've built up solid credit habits.

Ratings Methodology
Award Icon 2025 Award Winner

Chase Sapphire Preferred® Card

Apply Now for Chase Sapphire Preferred® Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Chase Sapphire Preferred® Card
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Chase Sapphire Preferred® Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.99% - 28.24% Variable

Rewards Circle with letter I in it. Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases

5x on Chase Travel℠, 3x on dining, 2x on all other travel

Annual Fee

$95

Welcome Offer Circle with letter I in it. Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

75,000 bonus points

  • This card easily justifies the (very reasonable) annual fee with benefits that deliver real value. Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months, which we estimate is worth at least $750 in Chase Travel℠ value. Plus, enjoy bonus travel and dining rewards, a $50 annual hotel credit, and 10% anniversary points boost. With added travel protections like rental car insurance and trip reimbursement, we think this card is a game-changer for any traveler.

    • Big sign-up bonus
    • Travel rewards
    • Dining rewards
    • Flexible travel points
    • Consumer and travel protections
    • Annual fee
    • Limited-time perks
    • Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
    • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
    • Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
    • 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
    • Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
    • Member FDIC

While Chase doesn't publish exact score requirements, anecdotal reports suggest that most approved applicants have scores above 700. That said, having a strong credit profile can sometimes outweigh a borderline score.

From what I've experienced (and heard from other cardholders), you're most likely to get approved for the Chase Sapphire Preferred® Card if:

  • Your credit score is above 700
  • You've built a decent credit history (two or more years helps)
  • You haven't opened too many cards recently (more on that in a sec)

People with scores in the 680-699 range have gotten in, but it's less common. Scores below 670? Probably not your best odds, but never say never.

What else matters besides your score?

Like most credit card issuers, Chase looks at more than just your number. Here's what else they consider:

Your income and debt

Chase wants to see that you can handle your monthly bills and still afford to pay off your credit card. A strong income with a low debt-to-income ratio helps your case.

Your credit history

The longer you've had credit, the better. If you've made on-time payments, kept balances low, and avoided late fees, that's all good news.

Your 5/24 status

This one's big. Chase unofficially follows the "5/24 rule": if you've opened five or more credit cards from any issuer in the past 24 months, your application will likely be denied automatically. (Even if your score is excellent.)

Is the Chase Sapphire Preferred® Card worth it?

In my experience, 100% yes. Especially if you're looking for a travel card that's packed with value and not too intimidating to manage. I've personally gotten hundreds of dollars in free travel from this card just by transferring points to airline and hotel partners.

A few things I love:

  • The new Points Boost feature allows your points to be worth more
  • No foreign transaction fees
  • Easy-to-use bonus categories (dining and travel)
  • Access to Chase transfer partners like Southwest and United

If you're in a good spot financially and want a card that pulls its weight (and then some), the Chase Sapphire Preferred® Card is a solid pick -- and one I use all the time. Apply today and start racking up rewards.

If the Chase Sapphire Preferred® Card doesn't quite feel like a fit, check out our list of the best travel cards for more options.