Chase Sapphire Preferred Card

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Current Offer


Chase Ultimate Rewards Points

after you spend $4,000 in 3 months

Annual Fee: $95
No Foreign Transaction Fees

How to Earn Rewards


2X points on travel and dining at restaurants worldwide, including eligible delivery services.


1 point per dollar spent on all other purchases.


Primary rental car insurance when you pay with the card

No foreign transaction fees

25% more value when you redeem points for travel booked through Chase Ultimate Rewards

Card is made of metal

New Sapphire Preferred cardmembers will enjoy a one-time, automatic $50 statement credit on grocery store purchases

Our Take

Chase Sapphire Preferred stays at #1 overall ranking because of its incredible signup bonus (worth $1,000+ of travel), reasonable annual fee, and the amazing value of the points it earns.

Chase Ultimate Rewards points are widely considered to be among the best points in the industry thanks to their ability to be transferred to multiple airline and hotel partners. This gives you a ton of options for redeeming your points no matter where you want to travel.

You can also redeem Ultimate Rewards to book travel via the Chase travel portal at a value of 1.25 cents per point, meaning the 80,000 bonus points offered by this card are worth a minimum of $1,000when redeemed to book travel.

Transferring them to Chase’s many transfer partners can provide the highest redemption values if you know where to look.

You can check out our recent review of the Chase Sapphire Preferred here.

Be sure to also read our article on why this should be the first card you start with for more information on all things CSP. We also recently published an article on how the 10xT Staff would use the bonus points from Chase Sapphire Preferred.

Note that Chase has imposed new restrictions on the Chase Sapphire cards that limit your ability to get multiple versions of them. The tl;dr is that you can only get one Sapphire bonus (from either card) every 48 months, and also are not eligible to get a Sapphire card if you currently hold a Sapphire Preferred or Sapphire Reserve [More details on that here].