Chase Sapphire Preferred review: An easy $800 in cash, $1,000 in statement credits, or much more in travel!

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I’ve had the Chase Sapphire Preferred® Card for over six years. I’ve used it all over the U.S., Caribbean, South America and Europe. It was actually the first rewards credit card I ever opened, mainly because I heeded the advice of prominent points blogs. And boy were they CORRECT. Chase has so many useful airline and hotel transfer partners, it’s basically an airline credit card and a hotel credit card combined. You can stay in luxury Hyatt hotels or fly business class on Star Alliance airlines thanks to Singapore Airlines — and that’s just the tip of the iceberg.

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In this Chase Sapphire Preferred review, I’ll show you how effortless it is to win with this card because its bonus is worth at least $800 in cash — or $1,000 in easy statement credits with Chase’s Pay Yourself Back feature. With only a $95 annual fee, you’ll come out way ahead. Plus, with just a bit of effort, you can stretch that same bonus into $1,000+ in travel if you take advantage of the best ways to use Chase points and that’s before you even touch all the travel credit card benefits Chase somehow managed to jam inside this .03 inch thick piece of metal.

Current sign-up bonus

You earn 80,000 Chase Ultimate Rewards points when you spend $4,000 on purchases within the first three months of opening the account. A Chase point’s value fluctuates depending on how it is used, but as stated before, you can quite easily receive $1,000+ worth of travel from those 80,000 points. Or if you want a truly zero-hassle approach, you could cash your points out for $800 in hard cash.

Is this worth the annual fee?

The Chase Sapphire Preferred annual fee is absolutely worth paying. I’ve paid this fee six times because I always get much more than my money’s worth thanks to the points I earn and the perks I take advantage of. The amount of money this card has saved me so far has been worth – literally – 35+ years of paying the annual fee. The money I’ve received from the card’s build-in travel coverages for canceled flights, delayed baggage and scraped rental cars have put me WAY ahead.

While it is the best card for newbies, it’s by no means a “beginner” card in the sense that a veteran hobbyist has graduated from the card. I still use it all the time and I’m freaking great at using points. This is one of the best credit cards for travel, no matter how experienced you are. However, the longer you play the points game, the harder this card becomes to obtain. Here’s why.

Benefits

Once you’ve got this card, it’s easy to setup a Chase Ultimate Rewards account and start using your perks. And this card’s got a lot to offer, the best of which are included below. You can check out our more comprehensive guide to the Chase Sapphire Preferred benefits and perks if you like what you see.

Earning rates

This card offers:

  • 2 Chase points per dollar for travel and dining purchases
  • 1 Chase point per dollar on everything else

Chase Pay Yourself Back

Through September 30, 2020, Chase Sapphire Preferred cardmembers can now redeem points to offset purchases at grocery stores, home improvement stores, and dining at a rate of 1.25 cents each. You’ll be reimbursed in the form of a statement credit.

This is a much higher return than simply cashing your points out, which gives you a value of 1 cent per point. You have 90 days from the time each eligible transaction posts to erase it with your Chase points. And the good news is, Chase plans to extend this feature, though we don’t know for how long or what the ongoing eligible categories will be.

You can read our full guide on Chase Pay Yourself Back to learn how to use it, as well as its benefits and downfalls.

Primary car rental insurance

This covers damage due to theft or collision to your rental car when you pay for the rental with your Chase Sapphire Preferred card.

Real-life experience: I rented a car for nearly a month in Ireland. I turned down the rip-off car insurance at the desk because it would’ve cost me $300 in total and instead relied on the primary rental car insurance from my Chase Sapphire Preferred. As Satan would have it, I scraped and dinged the car. Avis billed me $2,300 for this minor damage, but thank goodness Chase completely took care of it and I was in the clear.

Trip delay reimbursement

Get up to $500 back per ticket when your trip is delayed more than 12 hours or requires an overnight stay for expenses such as meals and lodging.

Chase Sapphire Preferred trip delay reimbursement really works. My Thanksgiving flight was delayed causing me to miss my connection. I booked a room at the Grand Hyatt, ate breakfast in their restaurant and received a check for $275 from Chase to cover all the expenses. (Photo by Joseph Hostetler/Million Mile Secrets)

Baggage delay insurance

This Chase Sapphire Preferred benefit will reimburse you for essential purchases like toiletries and clothing for baggage delays over six hours for up to $100 a day for five days.

No foreign transaction fees

The Chase Sapphire Preferred does not have a foreign transaction fee. I hate cards that hit you with a junk fee when you use them outside the U.S. That’s why I take my Chase Sapphire Preferred on all my international trips. Plus it’s a Visa credit card so it’s accepted nearly everywhere.

Earn 2x points on restaurant and travel purchases

Remember, Chase points are often worth more than points you earn on other airline or hotel cards. I’ve also had great success earning two points per dollar at bars and nightclubs because those establishments are often classified as a restaurant with the credit card processor. And, through March 2022, you’ll earn 5x points on Lyft rides.

Extended warranty protection

Paying with your Chase Sapphire Preferred extends the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.

Insider tip

If you don’t think you’ll earn a lot of points with this card, consider how unbelievably broad the bonus categories are. You’ll earn 2x points on travel and dining. Travel includes airlines, hotels, Airbnb, campgrounds, car rentals, cruises, travel agencies, trains, taxis, ferries, toll bridges, parking lots and more. Dining includes restaurants, bars, nightclubs and fast food places both in the U.S. and overseas. Plus, as long as you keep the account open your Chase points won’t expire.

Other travel cards to consider

If you want an upgraded travel experience, then take a look at our Chase Sapphire Reserve review. This Chase credit card is the “premium” version of the Sapphire Preferred and while it does have a $550 annual fee, it also has the benefits to make the Chase Sapphire Reserve worth it. Right off the bat, you’ll get $300 in travel credits every year. The way it works is simple, the first $300 in you spend in eligible travel categories are refunded. That knocks your out-of-pocket cost down to $250.

Check out our full coverage of the Sapphire Reserve’s benefits to see for yourself if the rest of the card’s perks will be worth more than $250 to you. The other benefits include improved travel coverages, Priority Pass airport lounge access, $60 in DoorDash credits in 2020 and 2021, one year of free Lyft Pink membership, 10x points on Lyft rides (through March 2022) and 3x points on travel and restaurants.

Who is this card for?

We frequently incessantly spew that the Chase Sapphire Preferred is the best card for anyone just beginning their journey into the miles and points world. If your credit score is 700+ and you want to see the world for free, this card is for you. The Chase Ultimate Rewards points are both:

  • Incredibly valuable if you research how to redeem them
  • Easy to use if you’re not ready for the complexities of this hobby

Chase has a certain rule when it comes to approving people for their cards. If you’ve opened five or more cards in the past 24 months (not counting certain small business cards), they won’t approve you for the Sapphire Preferred. In other words, if you’re no stranger to opening credit cards, this might already be out of your reach. Read our full explanation of the Chase “5/24 rule.”

Also, if you already have a Sapphire Preferred or a Chase Sapphire Reserve® (the more expensive but more benefits-packed version of the Sapphire Preferred), you are not eligible to open a new Chase Sapphire Preferred. And if you’ve earned a sign-up bonus from any Sapphire card in the past 48 months you aren’t eligible for this card.

How to redeem points

There are several excellent ways to use Chase points.

Our absolute favorite is to redeem them through Chase transfer partners. For example, you can transfer Chase Ultimate Rewards points to Hyatt, United, Southwest and many more for free flights and hotel stays. I transferred Chase points to United Airlines to book a business class flight to Istanbul with a stopover in Zurich. The flight would have cost $10,000+ had I paid in cash!

You can also get $1,000 worth of travel from this card’s bonus with no brainpower whatsoever (when redeemed through the Chase Ultimate Rewards travel site, which is just like booking through Expedia).

Another option is turning your 80,000 Chase Sapphire Preferred points into $800 cash. This is obviously not the optimal way to use your points, but cash back likely looks much better than free travel at this moment. Who would say no to eight $100 bills?? That’s enough for a couple of months of groceries for a small family.

Bottom line

The Chase Sapphire Preferred card is one of the best credit cards for beginners. And with the increased welcome bonus, I’d argue it’s one of the best cards available at the moment. I’ve kept my Sapphire Preferred in my wallet for years because I love it and its fun having a metal credit card.

Right now the sign-up bonus is 80,000 Chase Ultimate Rewards points in your account after you spend $4,000 on purchases within the first three months of opening your card. It’s got a strong benefits package that includes bonus points, trip delay insurance and primary car rental insurance for a very reasonable annual fee.

  For more travel and credit card news, deals and analysis sign-up for our newsletter here.

Joseph Hostetler is a full-time writer for Million Mile Secrets, covering miles and points tips and tricks, as well as helpful travel-related news and deals.

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! :)

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Special Ed
6 months ago

Not too familiar with Lyft Pink. Do I have to apply for that?

Rosemary Fedele
7 months ago

My husband and I have the Chase Sapphire Preferred and would sign up for the Chase Sapphire Reserve but in addition to the larger annual fee, there is a fee for an additional user so it is actually more than $250 annually.

Special Ed
Reply to  Rosemary Fedele
6 months ago

I Just called Chase Sapphire and the additional card fee will remain at $75. I did not ask about Lyft Pink.

Mike
7 months ago

You review these cards often – and most of them I have now. There are few cards, if any, I am interested in getting. Is there a way to cash in on these points if I have had a card (such as Sapphire) for a long time?

Kate
7 months ago

Is there anyway you know of to sign up for the sapphire reserved and receive the sign up bonus benefits if you are an existing preferred user?

Patrick
7 months ago

Can i downgrade my current sapphire preferred card to freedom unlimited and then reapply for the sapphire preferred to get the bonus? I am outside of the 48 month limitation (my wife already has the reserve)

Clancy
8 months ago

I have a Southwest card, and I want to replace it with another chase card. Will I be able to transfer my existing Southwest points? Thanks

Steve ouellette
1 year ago

I would like to get your credit card

Larry
1 year ago

My wife currently is an authorized user on my Chase Sapphire Preferred card has been for 8 years. Would that prevent her from getting approved for her own Sapphire Preferred card and 50K bonus? Would she need to cancel her current authorized user card and wait a certain amount of time( say a month) before applying?

Jo
Reply to  Larry
6 months ago

Did you ever get an answer to this? My husband and I have the same situation and I’m wondering if I can apply and get the sign up benefits. Also, if he refers me, he’d get a bonus as well.

Boonie
1 year ago

Great beginner card, my husband has it and we’ve transferred to SW and Hyatt. The Reserve has a higher annual fee.

marc
1 year ago

I’m not sure what your spending habits are but if you travel at all, you should have upgraded to the reserve a long time ago. Since each dollar is credited at 3 points per dollar vice 2 points per dollar with the preferred you only need to spend $5500 on travel to make up the difference in the annual fee($150 vice $95). The benefits are much better as well and include a priority pass (great overseas, less so in the US) and up to $100,000 dollars in medical evacuation insurance. I cannot think of one good reason to even have the preferred card, but maybe someone can enlighten me.

Floyd Gayle
1 year ago

Interesting article. I had the chase Sapphire Preferred Card, but dropped it when I got the Chase Sapphire Reserve Card, that I love!!
I should have kept the Preferred Card, and hope to replace it again eventually y.

Andrew W
Reply to  Floyd Gayle
1 year ago

Hi Floyd!

Bummer! The ones who were grandfathered into the old Chase Sapphire rules only allowing one Sapphire product are lucky. But either way, the Sapphire Reserve is a wonderful card to have as well! I carry it in my wallet all the time and it’s one of my favorite cards!

arnold
1 year ago

Just got denied under the 48 month rule now in effect. Awful! Time to look elsewhere for cards

Kevin
Reply to  arnold
1 year ago

There are not too many proven system credit but I know an individual (system expert) who repairs credit not for only me but for a whole lot of others.
I met him on quora and I trust him enough to help me handle issues like this ever since he helped me get 30k credit line.
His name is Conner, I am sure he will be willing to help you if you are professional. Haxedge@gmail com.

Praneeth
2 years ago

The BEST credit card for travel for newbies, 50K UR points for 0$ annual fee for year one is a no brainier… APPLY NOW if you are a newbie and are looking for travel for less.

Leticia
2 years ago

I would definitely recommend the CSP as a starter travel credit card.

Troy
2 years ago

Absolutely have to state that CSP (Chase Sapphire Preferred) is clearly the initial card for any/every individual getting into this hobby.

From here you can search for business cards next before filling out your 5/24 stable portfolio.

Janeal
2 years ago

Totally would recommend the Chase Sapphire Preferred. We have used our Chase points to purchase tickets to Anaheim and Europe on the Chase travel portal and I just transferred points to United and purchased business class tickets to Peru for my husband and I. Its been the absolute best miles/points credit card value for our family.

Jose Ramallo Lopez
2 years ago

No doubt I would recommend it. Unfortunatly I do not live in the USA so cant apply.

Sue
2 years ago

Yes, I recommend. It should be your first card to apply.

Lee
2 years ago

I use my card benefits to take a RTW trip every 2 years! The customer service staff are wonderful…..the 6k bonus will help me fly to NZ

Karen
2 years ago

Chase Sapphire is a really good choice. Love the primary insurance on car rentals.

nwb
2 years ago

Yes I would Recommend the Chase Sapphire Preferred Card for it’s flexible points that you can transfer to airlines and hotels.

Linda
2 years ago

This card sounds perfect. I have been waiting to qualify- should be bale to apply next month. I love collecting miles and using them for great trips 🙂

Katie
2 years ago

This is the number one card I would recommend! Or the Chase Sapphire Reserve based on your spending habits.

GK
2 years ago

Yes especially for the primary insurance.

jamie
2 years ago

Chase Sapphire Preferred is a great started card. Ultimate Rewards Bonus Points, good travel partners, no foreign transaction fees and many other perks.

Ryan
2 years ago

Yes, I definitely would recommend! I started off the points/miles game with the Chase Sapphire Preferred which open the door to other travel credit cards.

Ernest S.
2 years ago

I definitely would recommend the Chase Sapphire Preferred. It’s a great card — and if you decide after a year that you might want the additional benefits of the Sapphire Reserve, you can always upgrade! 🙂

Vanessa
2 years ago

I don’t have this card so I can’t give a personal recommendation, but I’ve heard great things!

Brian
2 years ago

I’ve never had this card, but I’m going to get itand the capital one AFTER I get my southwest companion pass at the beginning of next year. Not getting any credit cards in the meantime.

Chantal
2 years ago

I would actually recommend the Chase Sapphire Reserve instead for 3x points on travel and dining.

Stan
2 years ago

I recommend the Chase Sapphire Preferred Card to friends and family as their 1st card to dip into the world of points and miles. The points are flexible with multiple partners and their is a multitude of benefits to be enjoyed by all.

Rohan
2 years ago

Yes would def recommend. Perfect card for beginners and veterans alike. This was my first rewards card. I was just doing cash back before this.

Kim
2 years ago

Yes – I recommend this card to everyone I want to educate on points because of the travel partners and ease of using and earning points! Unfortunately I have only had one successful referral over many years!

Catherine Edwards
2 years ago

Chase Sapphire Preferred is the home base for ultimate rewards and travel partners. It’s a definite recommend.

Colin H
2 years ago

Yes< i'd recommend the Chase Sapphire Preferred card as well, mostly for transferring points to Southwest for domestic travel and United for trips to Europe.

Maria Lynn
2 years ago

I would recommend the Chase Sapphire Preferred card to someone, yes. It has a great bunch of options for you to decide how to spend your points, and its pretty easy to use their format as well.

William Lewis
2 years ago

Yes, I would definately recommend the Chase Sapphire Preferred card if asked. One of the best options for choices on how to spend/use your points.

Laches
2 years ago

Yes, I would recommend the Chase Sapphire Preferred, I love the versatility of Ultimate Rewards points.

Phil
2 years ago

The Chase Sapphire Preferred give the perfect blend of earning good travel rewards. Whether you are using the travel portal for 1.25x redemption or transferring points to partner airlines and hotels, it’s the easiest way to quickly accrue free travel!

Martine
2 years ago

Absolutely would recommend CSP (I myself upped the ante to CSR but CSP was my starter card). Easy to get points with 2x points for travel and dining. No foreign transaction fees. Not tied to one airline. Great card!

JOHN
2 years ago

The benefits of Ultimate Rewards make this card very attractive,

Loraine
2 years ago

Yeah, I would recommend the Chase Sapphire Preferred…it was one of my intro cards. But kind of bummed about the new extension for the sign up bonus.

Liz
2 years ago

I personally prefer the CSR, but would definitely recommend getting into Ultimate Rewards to beginners.

Girish George
2 years ago

Priority pass membership, huge signup bonus, $300 travel credit, 3% reward…That’s CSR for you!!

Anthony Fan
2 years ago

CSR is actually more attractive for earning points and its annual fee, in fact, only has 155 bucks more than CSP.

Harry K
2 years ago

Chase Sapphire is an excellent card, not only for starters, but those of us wondering what card to get next, provided we don’t already have one.

Jill
2 years ago

CSR is better than CSP for sure….

Matt
2 years ago

No, I’d recommend CSR.

Amanda W
2 years ago

It sounds great although right now I wouldn’t make the cut with not being able to get the bonus amount because I can’t pay my rent by credit card. It would be something I would like to look into in the future hopefully sooner rather than later. I have successfully learned how to get things for free or cheap around me now I want to continue traveling like I did growing up. I have the travel bug in my blood.

Kyle
2 years ago

Chase Sapphire preferred is a great starter travel card. I’m eagerly awaiting upgrading it to the Sapphire Reserve for next years travel plans!

rmah
2 years ago

it’s the card that does yoga. super flexible. and highly recommended!

Barbara
2 years ago

Recommending the Chase Sapphire Card to earn flexible points.

Pete
2 years ago

I would recommend all Chase Sapphire cards. Great cards with good value!

Ellen
2 years ago

Yes, yes, YES…one of the best cards around!

Steve
2 years ago

Absolutely recommend as one of the best all round cards!

Yisroel
2 years ago

I think csp is the of the best cars out there highly recommend

Colin
2 years ago

Love my CSP. Decided to splurge on the Amex Plat when they were offering a 100K bonus and I prefer that and a CSP to just having a CSR.

Sam
2 years ago

I got the CSR for the extra travel and dining points, but you can’t go wrong with the Chase Sapphire Preferred, since you’ll only be paying an annual fee of $95 and still getting two points for travel and dining, so I highly recommend it.

Marius
2 years ago

I would recommend Chase Sapphire Preferred to anyone new to miles and points hobby. It is easy to earn CSP points: you get 50K bonus points, 2 points for travel and dining purchases, and can increase CSP points balance by adding points from Freedom and Freedom Unlimited cards. CSP has great transfer partners such as United, Southwest, British Airways, Hyatt and allows booking travel on Chase UR website 1 point/1.25 cent.

Leslie Aaron
2 years ago

I don’t have this card but I have already recommended it to someone who was looking for a good travel card without a specific allegiance to an airline.

Tricia
2 years ago

I don’t have a CSP yet, but I’ll be eligible to get one next summer!

Dana
2 years ago

The double points are great, customer service is very good and the point redemption for travel is easy and a good value. Also, we’ve enjoyed the priority pass at airline clubs.

Anthony
2 years ago

The Chase Saphire Preferred was one of the first cards that got me started on the miles and points journey and have enjoyed the ride!

Natalie
2 years ago

I would definitely recommend the Chase Sapphire Preferred card! I love the trip delay reimbursement.

bodeh6
2 years ago

I recommend the Chase Sapphire Preferred because it is metal, has a fine annual fee, and good perks

Pamela Iorg
2 years ago

I would totally recommend it! Unfortunately both my husband and myself are over 5/24 but once one of us is down I will sign up. I love the flexibility Ultimate Rewards gives!

Reyna R
2 years ago

Yes, I’d recommend the card, I like Chase cards.

Mike
2 years ago

I’ve had the card for about a year and it is perfect for me. I think my bonus was 60k points and I’ve racked up enough miles for our next trip which will likely be to Europe in the very near future! I highly recommend this card and United has the best mileage program in my opinion.

Larry F
2 years ago

Love the free access to Priority Lounges and the flexibility of the card.

Natalie
2 years ago

Just got this card 2 months ago, already tempted to upgrade to CSR since I like CSP so much.

Nancy M
2 years ago

flexibility is the key (several airline partners)

Broc
2 years ago

Of course, I’d recommend it! It’s the biggest key on the key on the keyring to unlock Chase UR. Not saying I’d spend the most on it, but Chase UR may become my favorite currency, over Marriott points, post-merger.

Marilyn B
2 years ago

Totally recommend this card. (Husband has the Reserve.) Love earning UR points and ability to pool the points from my Freedom and Freedom Unlimited with the CSP points and then transfer to airlines/hotels.
Have recommended this card to friends.

Dena
2 years ago

Great card for learning the ropes of mileage game

bobby
2 years ago

Absolutely I would recommend this card. I personally have the reserve version and absolutely love it. These two cards are amazing travel cards and the benefits keeps on giving.

Deborah
2 years ago

I just got 10,000 x2 for referral bonuses on top of all the other benefits.

Carole
2 years ago

I have had the Sapphire Preferred Card since its inception. I’ve amassed hundreds of thousands miles due to the double miles for dining and travel. I’ve recommended it to family and friends and they all love it. I love how you can transfer Ultimate Rewards and they go into your specified account, instantly. It’s definitely my go-to card.

Maria
2 years ago

I actually haven’t had that card yet. Im debating so this is a great comment section!

Daniel F.
2 years ago

Yes, I would recommend the Chase Sapphire Preferred® Card along with a number of other cards to newbies.

Peter5
2 years ago

Yes, my go to card for most of my daily spend for dining and travel

Yeppy12
2 years ago

I just got my card, and I recommend it. The Chase bonus was easily obtainable, and the perks outweigh the fee.

Chia
2 years ago

I would recommend the Sapphire preferred because it lets you transfer UR points out to airlines and hotels!

Tejas
2 years ago

I definitely recommend Sapphire preferred. Apart from the low annual fee and airline and hotel transfer, it also gives the additional card free.

Paul Rundhammer
2 years ago

I wish I would have started with the chase preferred card. I started off looking for cash rewards cards and although I’ve earned nearly 3000 dollars in cash in a year and a half, now I’m stuck because I’m over Chase’s 5 card limit. I’ll just have to wait it out. Learn from my mistake and start with Chase!

Jeff Flynn
2 years ago

I’m dropping my SPG Amex card & I think Chase Ultimate Rewards Cards & their point system are now the best & most useful FF point system around.

CB
2 years ago

I discovered Chase Sapphire Preferred thanks to MMS and it has been fabulous to have. The UR points are so flexible I have moved them to several airline and hotel partners for great free trips. Transferring UR points to Chase Sapphire Preferred from Chase Freedom Unlimited and Chase Freedom cards is a powerful combination. Thank you!

Kris England
2 years ago

I’m still learning, but the way you’ve laid it out, it sounds like a no brainer.

Carole
2 years ago

I find Chase points/CCs to be the easiest for beginners. The web site is very easy to use and tracking rewards is simple. The Sapphire CC has an exciting sign-up bonus and I always recommend it to friends just starting out with points and miles!

Shelli
2 years ago

Right now I use my chase freedom and freedom unlimited cards but I think I may need to step up my game to sapphire pretty soon.. it sounds like I am missing out.

BT
2 years ago

This was my first points card. I HIGHLY recommend it if just starting out. Only thing better is the Reserve, but with the CSR bonus being lower now, maybe the CSP is still the best 1st card to get.

Paula
2 years ago

The card sounds great all the way around. Think it will be my next card,especially with the fee waived the first year.

Gary Steiger
2 years ago

2X points on travel

Mark
2 years ago

I highly recommend the Preferred. I got it AFTER the Freedom and FU. Transferred all the UR points to United account and cancelled before first annual fee. Didn’t really use any of the other perks but it met my needs.

Elizabeth
2 years ago

I would recommend preferred for first card but love the heck out of my Reserve for the many benefits and increased point value!

Marc
2 years ago

I had the sapphire preferred but upgraded to the reserve card because it earns 3 miles per dollar on travel vice 2 dollars with the preferred. Unless you travel very little, i can see no reason to consider the preferred. In fact the freedom unlimited might even be better since it offwrs 1.5 points per dollar on all purchases. Just do not use it overseas as it has a 3 percent currency transaction fee.

Liz C.
2 years ago

I’m still trying to decide if I should go for this card next! Gotta watch that 5/24.

AJ
2 years ago

I recommend the Chase Sapphire Preferred because the points can be redeemed many different ways. Also, air travel redemptions are like a cash purchase so you normally earn status credits and redeemable points.

Vince
2 years ago

The Preferred is a good card but the Chase Sapphire Reserve is better for travelers. Better benefits and you can easily earn all of your yearly fee back.

Steve
2 years ago

Yes. I want the card but have to wait one more month because of the 5/24 rule!

Mike
2 years ago

This is our second CSR, and we like and recommend it. We also have Ink business preferred and Freedom. The combination provides tons of benefits.

Jeff
2 years ago

CSR for me over the CSP. Combined with Ink and Freedom, I get a lot of value.

Roxanne
2 years ago

Best card for no bonus spend that I use!

David Nie
2 years ago

I still like the CSR better than the CSP, the extra annual fee is manageable if you eat out more.

Jenny Laundrie
2 years ago

I don’t have sapphire but the perks of it sound amazing!

Gayle
2 years ago

I have recommended the Chase Sapphire Preferred card as the best card for travel.

Jill
2 years ago

I would recommend the CSP as a starter card for someone who wanted to ease into the game, because of the travel insurance and ability to transfer points to partners as needed.

Hilary
2 years ago

Chase Sapphire Preferred card is perfect for travel perks

Michelle Dubonnet
2 years ago

After reading about the Chase Saphire card, I would really like to try it. I’ve been a Chase United Airlines Mile Plus Visa card holder for 18 years. Might be time to try something new.

Kelly
2 years ago

We love the Chase Sapphire Preferred for the travel benefits especially the Primary Car Rental insurance benefit

Harry Malakoff
2 years ago

A great card to earn free trips. Offers maximum flexibility because it has numerous airline and hotel partners. And, you get a bonus if you use the Chase travel portal.

Jim T
2 years ago

Chase Sapphire Preferred is a great credit card for travel perks. I highly recommend the card.

Nate
2 years ago

Totally agree that it’s the best overall card for points/miles!!

Jacob Brooks-Harris
2 years ago

My CSP is one of my favorite and most used cards. Sign up bonus Is great but with all the earning categories it’s easy to rack up the points quick and take awesome vacations with them.

Sue
2 years ago

This is a great way to get in the game. 2x points on travel and restaurants. Primary Car insurance. 0 foreign transaction fees. Excellent trip insurance coverage. All around great card!

Josh
2 years ago

I’d recommend this card as a great start into the world of earning points! Chase has a strong points portfolio and the Sapphire Preferred is the gateway drug for us point chasers.

Katherine G
2 years ago

I would definitely recommend the Chase Sapphire Preferred. It is my favorite credit card to earn and redeem miles.

MB
2 years ago

We love our Chase Sapphire Preferred! Merchants always comment on the weight 🙂 Love using the Chase portal to book travel or transfer to partners. One tip we learned recently was to give yourself time if transferring. We transferred points to Hyatt which was immediate. But IHG took a couple days and they said it could be up to 7, so be prepared based on your travel dates.

Kevin Han
2 years ago

I would definitely recommend this card as the ultimate beginner travel rewards card. I used it for almost 4 years before I finally jumped the gun and upgraded it to the Sapphire Reserve, and even now I’m considering downgrading it back to the Preferred card. It is pretty much the card I find myself using the most and gaining the most in terms of travel rewards from!

Walter L.
2 years ago

Personally, I prefer the Reserve. So many more perks!

Patrick Chang
2 years ago

I love my Sapphire Reserve. the $450 annual fee is actually $150 after the $300 credit on travel. it’s just $55 more than the CSP, and can be easily offset by the 25% more points redemption when using more than 5500/0.25=22k points a year. plus Reserve earns 3x on travel and dining!

RC
2 years ago

Have not applied yet – I have the older $59/year Capital One Venture card, been very happy with it so far. May be applying for/switching over to both the Chase Preferred/Reserve and Freedom/Freedom unlimited over the next year… hope the bonus offers are sill in effect.

Kristin
2 years ago

Love my Sapphire Preferred Card! It is my daily use card. The points are so flexible, no foreign transaction fees, and the Rental Car Coverage are amazing perks. And it’s a really cool card that always gets a comment from a Merchant On how heavy it is lol

Paul M
2 years ago

I haven’t signed up for the Sapphire yet. Since it’s so powerful and churning Chase cards is difficult, I want to make sure I’ve researched all the features before I jump in so I know I’ll get the most out of the card. I may do it the next time there’s a huge bonus.

Stuart Falk
2 years ago

Combined with the Chase Freedom Cards, the Chase Sapphire preferred can be highly recommended as the very best card for those starting to earn frequent flier miles.

Michele
2 years ago

Absolutely, although I personally prefer the Sapphire Reserve.

Brian
2 years ago

That looks like a nice card to have. It look like you get a lot of points for applying for it. Also it has many travel partners that you can transfer the points to.

Katie Collins Miller
2 years ago

CSP is a wonderful card to start with! With so many travel options and a reasonable annual fee

Thomas
2 years ago

I would. 2x transferrable points on travel and dining is definitely a winner.

Mike
2 years ago

I have had many ‘points’ cards over the years but the only one I kept was the Sapphire Preferred. I got to see Machu Picchu on my original mileage earnings with this card.

ken gordon
2 years ago

Best started card on the market. It is a must have for travelers.

Matt Scott
2 years ago

the CSR card is FANTASTIC. Triple miles for dining out means the more i eat out, the quicker i’m flying!

Eric
2 years ago

I am accumulating points with the Chase Sapphire Preferred card for roundtrip flights bwtween LAX & NAN and for a long stay at Marriott/Starwood resorts in NAN.

Ronnie Kher
2 years ago

CSP is a must have ! A lot of options to redeem points including many airline and transfer partners , and a broad category of travel & dining merchants makes it super easy to recoup the annual fee

Ernest B
2 years ago

If you plan on taking just one international flight in a year, the Reserve card is justified. My son and his wife got the Reserve card and traveled Portugal. The $300 travel credit was quickly spent and the four free lounge visits almost paid for the annual fee. Now they have the rest of the year to figure out the best way to use the 50,000 points and other benefits.

Gary
2 years ago

Absolutely worthwhile to get CSP!! low annual fee and nice rewards

Melanie
2 years ago

CSP was my first points card! It’s perfect for beginners- low AF and easy to earn miles.

Jay
2 years ago

Don’t have this card. Maybe apply after reading all the comments.

David D
2 years ago

I’d recommend this to a couple of friends of mine after they get their credit straight.

bruce
2 years ago

I love Chase Sapphire rewards for travel. Use it all the time for all my dining out.

Angel
2 years ago

The chase points are the most versatile! No other credit card company allows you to redeem your points for tickets, restaurants, car rentals, cruises, hotels and activities!

Richie
2 years ago

I love the CSP card and have recommended it to lots of friends.. my opionin is that it is the best all around card

Dawn
2 years ago

Chase Ultimate Rewards points rock, so I always recommend the Sapphire Preferred or the Sapphire Reserve when people are looking for a travel credit card! I have used Ultimate Rewards for hotels and flights and have also transferred them to United for award flights to Hawaii when I spotted a bargain!

Sarah
2 years ago

I agree that the Chase Sapphire Preferred card is good for newbies! As a newbie myself who was apprehensive about getting any credit card that charged an annual fee, the fee on this card is relatively low after the first year. Also, no foreign transaction fees is great!! The sign up bonus is what got me and the ease of use for Chase Ultimate Rewards is what has kept me! Great card and rewards program.

Scott S
2 years ago

I agree that, the Chase Sapphire Preferred Card is the first card you should get if you’re new to traveling on points. With the card, you collect the most flexible travel rewards points available, and the low annual fee (which is waived for the first year) makes this the perfect starter card. The Chase Sapphire Reserve is a great card but the $450 annual fee is too steep for most newbies (even with a $300 travel credit). Plus you get many of the same great benefits like primary auto rental CDW, trip insurance, etc.

Dan
2 years ago

Some can’t fully justify the CSR and the CSP works well for that group.

Garrett
2 years ago

The Sapphire Preferred is a great starter card and the first card I got as I began to accumulate travel rewards. Beyond the generous sign up bonus and wide scope of categories considered dining and travel, the interface on the Chase website is very easy and transparent to us for tracking points/rewards you earn on select purchases, redeeming points in the Chase Travel Portal, and transferring miles to partner airlines and hotels.

Marit Anderson
2 years ago

Chase Sapphire was my first card when I ventured into really trying to churn cards and earn miles and points. So it says A LOT that it’s still in my wallet. However, it’s ultimate rewards points are super flexible, customer service is wonderful, and the coverage for flights and insurance is great. When my luggage came off the plane missing an ENTIRE wheel, they immediately covered my purchase of a new piece so I didn’t have to lug that thing all over New York City in that condition. I have found the card to be one of my absolute favorites! If you’re ready to earn points AND if you qualify, take the plunge into ultimate reward points with the Sapphire Preferred!

Kevin
2 years ago

Love the CSP card since the points can transfer to many different travel partners

Kevin
2 years ago

I have the Sapphire Reserve and getting ready to close the card, this just might be the replacement.

Anna
2 years ago

Love Chase points because they are the most versatile currency.

YingTzu Chung
2 years ago

Terrific card with awesome travel benefits, Chase Ultimate Rewards points are great value

Lynda
2 years ago

I think the Chase Sapphire Preferred is NOT the best card for newbies, especially after the new rule changes. The better card to get is the Chase Sapphire Reserve. The net difference in the cost of the two cards is $55. This is more than offset by the Priority Lounge Access and 1.5 points using the Chase portal. If you can get only one card in 48 months then go for the Reserve over the Preferred.

Greg M
2 years ago

The Chase Sapphire Preferred is a solid earning option for Ultimate Reward Points. The Sapphire Preferred combined with the Freedom and Freedom Unlimited becomes a powerful points earning strategy. The primary auto collision insurance on rentals provided by the card justifies the annual fee. Its one of the better travel cards on the market and I would definitely recommend it.

Garrett
2 years ago

The Sapphire preferred gives people incredible ease into the points/miles game with great flexibility and a variety of possible redemptions

ej
2 years ago

I absolutely refer this card to friends. It’s a great card for anyone, but especially for those who don’t have a loyalty to a particular airline or hotel chain. The sign-up bonus is valuable and you can use your points to purchase travel through their portal or to get rewards points for the hotel or airline of your choice. Happy Trails!

Octavian
2 years ago

It’s lame now that the reserve is around

Megan
2 years ago

Yes, I recommend the Sapphire Preferred. My family of 4 has travelled the last two summers to Europe using points for flights with the Preferred card being one of the top cards we used to rack up points.

Brenda
2 years ago

I love all the Chase cards! The preferred card is on my list to get some day. Currently working on the 3 month spending amount for the United card. I love this blog and all that it teaches me.

Lauren
2 years ago

The Sapphire Preferred was my first points card and has remained one of my main cards. I’ve since branched out to also have the Ink Preferred and my husband has the old Ink Plus. I’d recommend anyone start with it!

Angela
2 years ago

We don’t gave this card…but it sounds fabulous!

Glenn Thigpen
2 years ago

I got the Sapphire Preferred card about six months ago and have since added the Freedom Unlimited card as well. Between the two I have currently about 95K points. I’m planning to transfer these points to British Air to take advantage of their distance based award chart. We have grand kids in Hawaii, so that’s a good match for flying American from the ‘left’ coast to Hawaii using British Air points. The Chase cards will make this possible.

Wendi S.
2 years ago

ABSOLUTELYTOOTLY!!!
The sign up bonus and Chase Portal perks are AAA+++

XJ
2 years ago

Of course I would recommend CSP credit card!

Enore Bondan Filho
2 years ago

I Recommend the Chase Sapphire Preferred, because the wide range of partners to transfer the points. Easy to use and even easyer to spread points!

Rick
2 years ago

I love the chase cards, I have the CSR card, and we recently transferred points to United for flights to Europe. We will use more to transfer to Hyatt for our hotels while there. Great program and easy to share/combine points with my wife’s cards as well.

PJ
2 years ago

I most definitely would recommend this card. All the reasons above – sign up bonus, Chase portal, perks, etc!

Libin
2 years ago

CSP — good starter card. Many great features but not too much to be intimidating.

Colleen
2 years ago

Best card for all facets of travel and transferable to many airlines, hotels etc. Good value!

Eileen Kerrigan
2 years ago

I can’t possibly top this CSP review — I think you said it all! 😀 But the CSP is definitely the FIRST card that I recommend to folks just starting out. It’s a great way to jump into the points-and-miles game with flexible points that you can transfer to lots of great partners, or use to book through the Chase travel portal.

My credit scores were actually in the mid-730s when I applied two years ago, and although I had to call the Recon line a few times, the app eventually was approved. Not sure if they’ve gotten a bit more strict about that since then!

Ron
2 years ago

Have used mine to transfer to UA (for flying Canadair), used the chase portal for hotels, and also transferred a few points to Marriott to reach my total for a stay.

GetToThe Points
2 years ago

Of course I would recommend the Chase Sapphire Preferred, who wouldn’t.

Eric
2 years ago

Chase Sapphire Preferred is one of the best cards out there. Great balance of rewards and annual fee. I highly recommend it.

kevin
2 years ago

I love my CSP. Flexibility is its greatest feature.

P.T.
2 years ago

Great card if you are just starting out and don’t have to worry about 5/24 rule.

NKA
2 years ago

So valuable because they can be transferred to multiple partners

Tony W.
2 years ago

Got my CSP this year and love it! With a ton of United miles already in the bank the CSP and Ink Cash bonus offers (100K) plus their bonus categories will help me plan an extra special trip for our 10th anniversary.

stephanie
2 years ago

absolutely a terrific all around card to use due to the ability to transfer to so many different airlines and hotels.Easy to use and Chase is easy to deal with when you call.

Sandy O.
2 years ago

CSP points are so versatile. I have transferred them to United to fly business class on Swiss Air to Europe and the primary car rental insurance is a great peace of mind feature.

Lane Wood
2 years ago

I always recommend the chase sapphire preferred!

Stephen Lowenstein
2 years ago

CSP is the best card! My wife and I have twice flown all over Europe from JFK on excellent Lufthansa just on your points transferred to United. And we used United’s multiple stopover program to hop around Europe and back to the states.

Will
2 years ago

I have the CSR, but yes, the CSP is one of the best cards for someone just getting started.

P.C.
2 years ago

a no-brainer to start building points- love the Hyatt redemptions
just booked a $350/ night L.A. spot for 12,000 points- almost 3 cents per point redemption

jeff
2 years ago

Was my #1 go to card before I got the Sapphire Reserve card

Ray
2 years ago

A good card but seems redundant if you have Ink plus…In that case, i’d Rather put travel charges to Citi ThankYou Premier especially now Chase loses Korean Air…

gpks00
2 years ago

I recommend the Chase Sapphire Preferred

glew
2 years ago

I applied and was turned down because having 5 other cards

Big Matt
2 years ago

I put newbies into this card all the time- easy and slick

JFA
2 years ago

Once I had 31 different cards- have cut back drastically- CSP is my workhorse card

Steve
2 years ago

I most certainly recommend the Chase Sapphire Preferred Card! My Wife recently got the card and I am just waiting a little longer to be able to get the card again. The options the card has are fantastic! I feel it is definitely one of the best cards available!

Laurie T
2 years ago

I love the CSP card! It has jump started our love of travel with helping us fund our first family trip to Europe. We are currently working toward another trip now!

Carsten
2 years ago

I think it is fine

Will
2 years ago

Yeah, it’s still a no-brainer to start building a points-and-miles portfolio with the CSP.

Julia
2 years ago

Chase sapphire preffered was the first card I started to use in my quest to start earning and using points. It was super easy to get acquainted with the benefits. The sign up bonus really helped me with the initial boost to learn and earn more.

Natalie
2 years ago

Perfect If you have multiple destinations you want to go to that are not just serviced by one carrier

amy k
2 years ago

Chase has the best travel cards! I had the CSP and upgraded to the CSR. Easy to earn easy to use miles

Julie
2 years ago

One of the easiest and most useful cards.

Bruce
2 years ago

Yes …..i would! Good card!

JRG
2 years ago

I think the cards great for newbies, cheaper than the CSR.

Kim
2 years ago

Definitely– easy to use/redeem

ej
2 years ago

I absolutely recommend the Chase Sapphire Preferred Card. I like trading the points for airline miles.

Bev Cooper Wright
2 years ago

Yes, I would recommend the Chase Saphire preferred card. Ultimate Reward points can be used in so many ways.

Patty
2 years ago

This card is highly recommended

Michael S.
2 years ago

Would you use this card instead of a straight 2% cash back? Seems like the points are worth more than 2% and kind of forces you to travel which is a positive. Any thoughts on the Chase reserve card? Thank you for the reply.

Whatevz
2 years ago

Preferred card doesn’t have primary car rental insurance, it is secondary.

Andrew W
Reply to  Whatevz
2 years ago

The Chase Sapphire Preferred does come with primary rental car coverage.

If you go to the Chase website for the Sapphire Preferred, look for the section that says “Explore Additional Benefits”, and then click “Travel & Purchase Coverage”.

There’s a blurb for Auto Rental Collision Damage Waiver that says coverage is primary.

Hope that helps!

BC
Reply to  Whatevz
2 years ago

I believe CSP does have primary. Unless it just recently changed, many posts have been written about it over the past few years (MMS and elsewhere).

Whatevz
Reply to  BC
2 years ago

Yeah, I double checked the csp rental auto insurance before I posted. It is secondary.

GetToThePoints
2 years ago

I have not never had any luck booking airline tickets with my Chase points. Every time I check (twice just within the past month) even though there are even points seats available on the airline website, Chase does not list that particular flight I wanted as an option in their travel portal. What’s up with that? And the last time it did it cost a couple thousand extra points than it did booking an award seat directly through the airline using its points. Frustrating seeing as I have banked quite a few of these points based on all you bloggers recommendations.

Ed. C
2 years ago

I’ve just started the Chase Sapphire points game, having opened 4 cards since March. While I have a pretty good stash of points in a short amount of time (200,000±) thanks to the sign up bonuses, I’m still skeptical of whether or not it’s the best way to go for me. I plan on accumulating points for at least a year before spending any to see what is possible. My doubts about the strategy stem from the fact that I know I won’t be able to earn that many points every year due to 5/24.