Best For
Rewards Rate - Points
- 5x Travel purchased through Chase Travel℠
- 3x Dining, online grocery purchases and select streaming services
- 2x Other travel purchases
- 1x All other purchases
- Intro offer
- 75,000 points after $5,000 in purchases within the first 3 months
- Annual fee
- $95
- Regular APR
- 19.99% – 28.24% Variable APR
- Recommended credit
- 690–850 (Good to Excellent)
- Travel Perks
- Rental Car Insurance, Travel Insurance, TSA PreCheck/Global Entry
Highlights
- Elevated earn on travel through Chase Travel℠ and strong returns on dining and select everyday categories.
- Annual hotel credit for bookings through Chase Travel.
- Primary rental car damage waiver and robust trip protections on eligible travel.
- 10% anniversary points bonus based on your past‑year purchases.
Who is this card good for?
- Travelers who book via Chase Travel and dine out frequently.
- Beginners building a Chase Ultimate Rewards® strategy with transfer partners.
- Cardholders who will use the annual hotel credit each year.
Pointalize Opinion
Pros
- Well‑rounded earn across travel and dining for a mid‑tier fee.
- Anniversary bonus and hotel credit add reliable value.
- Pairs with Freedom cards for a powerful UR ecosystem.
Cons
- Top earn on hotels and flights usually requires the portal.
- No lounge access; premium travelers may prefer Reserve.
Pointalize Final Thoughts
Sapphire Preferred remains the sweet‑spot travel card in UR: broad categories, portal boosts, a useful hotel credit and high‑value transfers.