We are an independent publisher. Our reporters create honest, accurate, and objective content to help you make decisions. To support our work, we are paid for providing advertising services. Many, but not all, of the offers and clickable hyperlinks (such as a “Next” button) that appear on this site are from companies that compensate us. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. We strive to keep our information accurate and up-to-date, but some information may not be current. So, your actual offer terms from an advertiser may be different than the offer terms on this site. And the advertised offers may be subject to additional terms and conditions of the advertiser. All information is presented without any warranty or guarantee to you.

This page may include: credit card ads that we may be paid for (“advertiser listing”); and general information about credit card products (“editorial content”). Many, but not all, of the offers and clickable hyperlinks (such as a “Apply Now” button or “Learn More” button) that appear on this site are from companies that compensate us. When you click on that hyperlink or button, you may be directed to the credit card issuer’s website where you can review the terms and conditions for your selected offer. Each advertiser is responsible for the accuracy and availability of its ad offer details, but we attempt to verify those offer details. We have partnerships with advertisers such as Brex, Capital One, Chase, Citi, Wells Fargo and Discover. We also include editorial content to educate consumers about financial products and services. Some of that content may also contain ads, including links to advertisers’ sites, and we may be paid on those ads or links.

For more information, please see How we make money.

Why do we call the Chase Sapphire Preferred a beginner card when it’s clearly not?

  • Joseph Hostetler

    • Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full advertising policy: How we make money.

    Update: One or more card offers in this post are no longer available. Check our Hot Deals for the latest offers.

    Training wheels are for babies.

    We always say that the Chase Sapphire Preferred® Card is the best beginner travel credit card. That’s true, but perhaps not in the sense that you think. See, the word “beginner” often carries with it a negative connotation. If you’re a beginner at something, you work hard to graduate as far away from that category as you can.

    Wouldn’t it have been awesome if your parents handed you the keys to a cherry red Porsche on your 16th birthday, instead of a rusty old jalopy that you could swear you recognized from last week’s episode of Antiques Roadshow? Yeah, they did that because you needed thousands of practice hours before turning the key on anything remotely valuable.

    When we say the Chase Sapphire Preferred® Card is a beginner credit card, we don’t mean it’s a stepping stone credit card to bigger and better things. In some senses it is, but in many other ways, it’s not. I’ll explain.

    The Chase Sapphire Preferred is a blue slope credit card with a black diamond payoff. (Photo by Cascade Creatives/Shutterstock)

    Is the Chase Sapphire Preferred a beginner card?

    Imagine beginning a new hobby and immediately receiving the best equipment for the job. You decide you want to play guitar, and Jimi Hendrix hands you his Fender Strat. Or you aspire to be a professional chef and are instantly granted industrial kitchen appliances.

    The miles and points hobby is one where you actually can start off with one of the best tools in the world: The Chase Sapphire Preferred® Card. It’s what the professionals use. But we call the Sapphire Preferred a beginner card because it’s so accessible to anyone. Here are some reasons why.

    It only requires a “good” credit score

    If you’ve got a credit score of 700+, you shouldn’t have an issue being approved for the Chase Sapphire Preferred (though of course approval is not a guarantee, no matter what your credit score). it’s worth noting that many have been approved for the card with scores in the mid 600s, but we suggest you not enter this hobby until your score is at least in the upper 600s.

    It’s easy to get big value out of the sign up bonus

    Right now, the Chase Sapphire Preferred® Card comes with a massive sign up bonus: you’ll earn 60,000 Chase Ultimate Rewards points when you spend $4,000 on purchases within the first three months of opening the account. That bonus can be cashed out for an $600 statement credit or $750 of travel (hotels, flights, rental cars, etc.) booked through the Chase Travel Portal. And if you transfer to Chase travel partners (like United, Hyatt or British Airways Airways), you can easily get $1,020 of travel (or more) according to our points valuations.

    Much of its benefits are automatic

    The card comes with unbelievably good travel coverage, including baggage delay insurance, trip delay insurance, and rental car insurance. All you have to do is pay for your travel with the Sapphire Preferred, and you’ll be covered. It literally could not be easier.

    The credit card rewards are as easy or complicated as you make them

    You can redeem the points you earn with the card for cash at 1 cent each or through the Chase Travel Portal for 1.25 cents each. Or, you can transfer them to travel partners like Hyatt, United Airlines, and Southwest to get WAY more value. The card’s rewards are versatile enough to serve any level of miles and points enthusiasts. Read our post on the best ways to use Chase points for ways to get big value from Chase Ultimate Rewards.

    For example, transferring points to Hyatt could easily yield 2 cents per point in value when booking a luxury property like the Park Hyatt Maldives.

    The Park Hyatt Maldives cost 30,000 points a night, but can easily go for more than $600 a night. That means you’d be getting at least 2 cents per point in value.

    The card fits any travel style

    If you’re just beginning your travels, you may not be sure of your goals yet — you just know you want to explore. This card’s rewards can serve any travel style. For example, with the points I’ve accrued from this “beginner” card, I have:

    That’s some pretty advanced capabilities if you ask me.

    These points are important to understand because they illustrate why most points experts never cancel the Chase Sapphire Preferred. I’ve had mine for six years, and I see no reason to cancel it. The card isn’t something you graduate from.

    Yes, there are technically “better” cards out there, like the Chase Sapphire Reserve®. It’s got a higher annual fee, but comes with a bunch of extras that the Sapphire Preferred doesn’t offer. But honestly, the card doesn’t fit as many lifestyles as the Chase Sapphire Preferred. Its reasonable $95 annual fee makes it a much easier pill to swallow and ensures you don’t have to worry about maximizing every credit or benefit to get back the value of the $550 annual fee you paid.

    My wife and I used points earned from the Chase Sapphire Preferred for an award stay at the all-inclusive Hyatt Zilara in Cancun, Mexico. (Photo by Joseph Hostetler/Million Mile Secrets)

    Bottom line

    Don’t be off-put by the term “beginner” when it comes to the Chase Sapphire Preferred. Just because it can be easily wielded by beginners doesn’t mean it’s less valuable.

    If you’re just starting your miles and points journey, there’s no better card than the Chase Sapphire Preferred® Card, especially considering the larger-than-usual sign-up bonus. And if you operate your points game like the pros, it’ll still be with you on every trip years down the road.

    For more easy-to-understand credit card and travel info like this, subscribe to our newsletter.

    Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)