Travel Rewards Starter Card

Chase

Chase Sapphire Preferred Review

CHASE

Annual Fee$95 annual fee
Welcome BonusSee current issuer offer
Credit ProfileGenerally aimed at consumers with stronger credit profiles. Approval depends on the issuer's underwriting criteria.
Foreign FeesSee current issuer terms

You'll be redirected to Chase's website. Review current terms, rates, fees and eligibility requirements before applying.

Pros

Strong transfer partner network (United, Hyatt, British Airways, and more)
Up to $100 in statement credits each account anniversary year for eligible hotel stays purchased through Chase Travel (subject to issuer terms)
Up to $120 statement credit every four years for an eligible Global Entry, TSA PreCheck, or NEXUS application fee (subject to issuer terms)
Travel and purchase protections included
No foreign transaction fees (verify with issuer)
Primary rental car coverage

Cons

$95 annual fee
No lounge access
Approval depends on the issuer's underwriting criteria

Rewards Breakdown

15x points on travel purchased through Chase Travel
23x points on dining
33x points on gas stations and EV charging
43x points on eligible streaming services
53x points on eligible online grocery purchases
62x points on other travel purchases
71x point on all other purchases

CredNavid Review

The Chase Sapphire Preferred has been a well-regarded entry-level travel card for over a decade. It offers a combination of earning potential, flexible redemption options, and travel protections at a $95 annual fee.

Rewards Structure

The card earns 5x points on travel purchased through Chase Travel, 3x points on dining, gas stations and EV charging, eligible streaming services, eligible online grocery purchases, and eligible vacation homes at top brands, 2x points on other travel purchases, and 1x point on all other purchases. The real value is in redemption flexibility.

Annual Statement Credits

The card offers up to $100 in statement credits each account anniversary year for eligible hotel stays purchased through Chase Travel, subject to issuer terms. According to current Chase program terms, purchases qualifying for the $100 Annual Chase Travel Hotel Credit do not earn points. The card also offers up to $120 statement credit every four years for an eligible Global Entry, TSA PreCheck, or NEXUS application fee, subject to issuer terms. These ongoing benefits can help offset the $95 annual fee.

Transfer Partners

Chase Ultimate Rewards transfers 1:1 to multiple airline and hotel partners, including United Airlines, Hyatt, British Airways, Air France/KLM, Singapore Airlines, and several others. Transfer partners can potentially offer strong redemption value, though specific redemption rates vary by program, partner, and availability. Refer to Chase's current Ultimate Rewards program terms for details on transfer partners and redemption options.

Travel Protections

The Sapphire Preferred includes travel protections such as trip cancellation/interruption insurance, primary car rental insurance, baggage delay insurance, and trip delay reimbursement. These can provide meaningful value in a single incident.

Bottom Line

For anyone starting their travel rewards journey, the Chase Sapphire Preferred is a strong option to consider. It's flexible and well-rounded. Terms and offers may change. Verify current details directly with the issuer before applying.

Card Details

Full details for Chase Sapphire Preferred
Annual Fee	$95 annual fee
Welcome Bonus	See current issuer offer
Regular APR	See current issuer terms
Rewards Program	Chase Ultimate Rewards
Foreign Transaction Fee	See current issuer terms
Credit Profile	Generally aimed at consumers with stronger credit profiles. Approval depends on the issuer's underwriting criteria.

Have questions about credit cards? Visit our Frequently Asked Questions for general guidance on credit scores, applications, and choosing a card.

Ready to Apply?

Terms and offers may change. Verify current details directly with the issuer before applying.

View Current Offer

You'll be redirected to Chase's website. Review current terms, rates, fees and eligibility requirements before applying.

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