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Chase Sapphire Preferred Review
The Chase Sapphire Preferred is widely regarded as the best all-around travel card for most people — a reasonable $95 annual fee combined with valuable transfer partners and genuinely useful travel protections.
What Makes It Stand Out
Points transfer to over a dozen airline and hotel partners at a 1:1 ratio, often delivering more value than fixed-rate redemptions. Included protections like trip cancellation insurance and primary rental car coverage are genuinely useful, not just marketing language.
Key Details
| Feature | Details |
|---|---|
| Annual Fee | $95 |
| Rewards Rate | 5x travel via Chase, 3x dining, 2x other travel |
| Transfer Partners | 14+ airlines and hotels |
Who Should Get This Card
Ideal for anyone traveling more than a few times a year who wants strong value without a premium-tier annual fee. The transfer partner network makes it especially valuable if you're willing to research optimal redemptions.
Common Mistakes
Redeeming points for cash back or gift cards instead of transferring to partners — this typically delivers significantly less value than a well-chosen airline or hotel transfer.
Frequently Asked Questions
For most regular travelers, yes — the combination of transfer partners and travel protections typically exceeds the $95 fee within the first year of normal use.
Generally requires good to excellent credit (670+). Chase's 5/24 rule may also affect approval if you've opened 5+ cards from any issuer in the past 24 months.