A Laser-Focused Midtier Travel Card Is Chase Sapphire Preferred Card

A Laser-Focused Midtier Travel Card Is Chase Sapphire Preferred Card ...

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The Chase Sapphire Preferred Card is a midlevel travel rewards credit card that offers cardholders strong rewards for travel and dining purchases with a moderate $95 annual fee.

The Sapphire is named in two other Chase cards, the valued $550 per year Chase Sapphire Reserve, and the no-annual-fee. It's a great option for those who want more oomph than the Freedom Unlimited, who wants to increase travel rewards without incurring additional risk than a premium rewards credit card.

The Chase Sapphire Preferred card's value for redeeming travel rewards is a real benefit. Alternatively, you can net up to a whopping 6.25% return on future trips redeemed through the portal. Alternatively, seasonal travelers will appreciate the flexibility to transfer points to airline and hotel partners. However, if you're not looking for in a credit card, you'll be able to improve your spending habits elsewhere.

The Chase Sapphire Preferred is a trusty tale, but it is not quite spectacular. It's a fantastic way to explore the world of travel rewards at a relatively low cost, while allowing you to potentially earn more than a standard cash-back card.


  • 5x on travel purchased through Chase Ultimate Rewards
  • 3x on dining.
  • 2x on all other travel purchases, plus more.
  • 5x on travel purchased through Chase Ultimate Rewards
  • 3x on dining.
  • 2x on all other travel purchases, plus more.

Bonuses and a welcome bonus

Rewards are earned in the form of Ultimate Rewards points, a versatile currency that can be transferred to a number of airlines and hotel partners or redeemed for travel through Chase Ultimate Rewards. The Sapphire Preferred earns cardholders 5x points on dining, online grocery purchases and select streaming services, 2x points on other travel purchases and 1x points on everything else.

The Chase Sapphire Preferred's reward structure is particularly beneficial for those who spend a significant amount on travel and dining, as well as for those who purchase groceries online. Since there's a big advantage difference between booking flights, hotels, and regular travel purchases (2x points) which also includes passenger trains, buses, taxis, and more cardholders should use the travel portal whenever possible.

The game is similar to that of similar cards: 80,000 bonus points after spending $4,000 on purchases within the first three months of the account opening. This bonus is worth $1,000 if used to book travel through the Chase Ultimate Reward portal, or $800 if redeemed as cash back or through other methods.

Redeeming your Ultimate Rewards points

The value of your reward rates is determined by the method of redemption. While Chase offers a variety of redemption options at $0.01 per point, including cash, gift cards, and statement credits, the two most valuable ways to redeem Ultimate Rewards points are by booking travel via the travel portal or sending your points to an affiliate partner.

You'll receive a 25% value bonus, which means your Chase travel purchases receive 6.25% back in rewards for future travel, which is a great rate. This means when you use points earned on other purchases to travel via the portal, you effectively earn rates of 3.75% on dining, online grocery purchases, and select streaming services, 2.5% back on other travel purchases.

Depending on your trip and partner, if you transfer your points to one of Chase's 14 travel partners, such as United, Southwest, AirFrance, British Airways, JetBlue, Hyatt, and others.

The Chase Ultimate Rewards travel portal is being used.

Given that shopping is made on the travel portal, it's important to get a sneak peek at that experience. The Ultimate Rewards platform utilizes a third-party booking tool that looks across a wide variety of airlines and hotels for the highest prices, similar to Expedia or Priceline.

However, you can't always choose between the main cabin and the basic economy, but you won't earn miles or elite status points on the respective airline or hotel as long as you're not booking directly with them. There may be issues resolving issues with third-party bookings.

Most people are disappointed by the rewards rate rise. However, if you always prefer to book directly with an airline, there are other cards that do not have that restriction, like, or.

Other travel discounts include a shuttle service.

The Chase Sapphire Preferred also has a $50 annual hotel credit, which can be applied to hotel stays booked through the Ultimate Rewards travel portal. For experienced travelers, the Sapphire Preferred has trip cancellation and interruption insurance, an auto rental collision damage waiver, and lost luggage insurance. And, as one would wish with a travel credit card, there are.

Cards with comparable appearance

Citi Premier Card

The Citi Premier Card is a midlevel travel package with a $95 annual fee. It is less travel-focused than the Chase Sapphire Preferred, and offers a well-rounded rewards program, and greater flexibility. You earn 3x points on air travel and hotels, restaurants, gas stations, and supermarkets, as well as 1x points on everything else. Rewards are equal to $0.01 each when redeemed for cash back or a statement credit, or as travel booked through Thankyou.com. This flat 3% rate back

For more information, see our full review of the sites.

The Capital One Venture Rewards credit card is a similar travel package with a $95 annual fee and a 60,000-mile welcome bonus after spending $3,000 in the first three months of account opening. Cardholders earn unlimited 2x miles on all purchases and 5x miles on hotels and rental cars booked through Capital One Travel. Miles are worth $0.01 with the majority of redemption methods, and there is no additional redemption value when booked through Capital One Travel.

The Venture Rewards, like the Sapphire Preferred, is a significant entry point in the travel world. If you don't like to worry about which categories of expenses the majority of your expenses fall in, the Venture Rewards' flat rate across all purchases is a simple option.

Chase Sapphire Reserve is in a different style than the Sapphire Preferred. This is a premium travel card, which allows avid travelers to consider this luxury. While the Chase Sapphire Reserve card's $550 annual fee is steep, the yearly travel credit of $300 essentially lowers the total cost to $250, making the fee easier to use.

The 50,000-point bonus, earned after spending $4,000 in the first three months, has raised $750 toward travel through Chase Ultimate Rewards. The rewards rate is also slightly higher than the Sapphire Preferred, and when you redeem through Chase's travel portal, you get a 50% bonus instead of 25%. It's quite reasonable to make up for the difference in the annual fee, but it will require some work.

Cardholders receive a statement credit reimbursement for Global Entry or TSA PreCheck (worth $100 for Global Entry or $85 for TSA PreCheck, both of which are valid for five years) as well as a host of VIP-style travel benefits.

FAQs

How do travel credit cards work?

Purchases from travel credit cards are converted into points or miles that may be redeemed for travel purchases, such as flights and hotel stays. Oftentimes, you can redeem points for cash or a gift card, but generally, you can get the best rate when using them to book travel. These are also commonplace where you can find flights, hotels, and rental cars. Points are often worth more when used in credit card business portals.

Rewards include rewards when you buy flights or book hotels through your chosen companies, and those rewards may be used for perks or future bookings via the same airline or hotel group.

Which credit card should you choose?

The points and travel benefits you receive through a travel rewards program are often redeemed via your credit card issuer's website (or app) or they appear as a statement credit reimbursing you for previous purchases you made with your credit card. These points and travel rewards are often transferred to travel partners, mostly hotels and airlines, at a fluctuating conversion rate, where they can then be used to book a flight or hotel room.

Among the most important factors to consider when considering the best travel credit card:

  • Annual fees: Most travel rewards programs have annual fees, with some climbing as high as $695, but those fees are usually mitigated by monthly or annual credits.
  • Exclusive perks: Some travel rewards card options also grant access to exclusive travel perks, like airline lounges, priority boarding or VIP welcomes at hotels. The value of those perks is subjective and something you'll have to evaluate based on your needs and wants.
  • Foreign transaction fees: The best travel cards don't make users pay a foreign transaction fee, so that's not something you have to worry about.

What additional benefits do travel credit cards offer?

Most travel credit cards, some of which have hefty annual fees, include benefits that add value to these cards, such as travel accident insurance, trip cancellation insurance, trip delay reimbursement or protection, lost luggage reimbursement, and rental car collision insurance.

Our approach to credit card evaluation

We review the cards that are in the highest demand and that offer the greatest benefits. We scour the fine print so there aren't any surprises when you open an account. We look at the key components that make a card stand out and look them out to other top cards. That way, readers may opt for a different card with similar features if our choice isn't right for them. We are constantly monitored and updated to reflect changes in offers and pricing.

The editorial content on this page is based solely on objective, independent reviews by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation if you click on links to products or services offered by our partners.

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