The Chase Sapphire Preferred is a personal credit card from Chase Sapphire Preferred. Application typically pulls a hard report from Experian. The annual fee is $95. The ongoing APR is 19.24% variable APR. Approval typically requires a credit score of 810 or higher. Signup bonus: Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.. Rewards: Earn 5x total points on travel purchased through Chase Travel, 3x points on dining, 2x on other travel purchases, and 1 point per dollar spent on all other purchases.. Cash back: 3X on dining, 2X on travel, 1X on all other purchases. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Chase 5/24: Chase will not approve any new card application — personal or business — if you have opened 5 or more credit cards from any issuer in the past 24 months. Business cards from Chase, Amex, and Capital One generally do NOT count toward the 5/24 total because they don't report to personal bureaus.. Bureau pull varies by state (see details). | EXPERT REFERENCE (Sep 2025): Pre-approvals turning into denials and limits not increasing. | EXPERT REFERENCE (Sep 2025): Account shutdowns despite spotless records.