Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
$95 Annual Fee
Terms apply
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WHY WE LIKE IT
The Chase Sapphire Preferred has long been a go-to credit card for points beginners thanks to the ability to earn 3x on dining and 2x on travel. Even people who started with other cards often come back to it at some point.
It earns Ultimate Rewards points which can be transferred to partners such as United MileagePlus, Air Canada Aeroplan, Emirates Skywards, and World of Hyatt.
To be eligible for the sign-up bonus, you can’t have received the bonus for the Sapphire Preferred or Chase Sapphire Reserve in the last 48 months. Additionally, you can’t hold either card.
The Chase 5/24 rule also applies. If you’ve opened 5+ cards (from any bank) in the last 24 months that show on your personal credit report, you won’t be eligible to open the card.
5X on Chase travel portal bookings
3X points on dining
2X points on all other travel purchases
1X points on all other purchases
3X on select streaming services
3X on online groceries (excluding Target, Walmart, wholesale clubs)
5X on Lyft (through March 2025)
Trip Delay Protection
If your flight is canceled or delayed 12+ hours, you can be reimbursed for up to $500 in reasonable expenses.
$50 Annual Hotel Credit
Each cardmember year, you are eligible to receive a $50 credit when you book a hotel via the Chase travel portal.
10% Anniversary Bonus
Each cardmember year, you’ll receive 10% bonus points based on your spend - i.e. spend $10k, get 1k bonus points.
No Foreign Transaction Fees
You won’t be charged to use your card abroad.
Primary Rental Car Coverage
Pay with your card and get primary collision damage waiver coverage in most countries.
