Chase · personal · visa
Chase Sapphire Preferred
The nerd's default "first real travel card." $95 buys transferable points, strong trip protections, and a rare-at-this-price primary rental CDW; the $50-ish hotel credit only works through Chase Travel. Best paired with a Freedom to pool points.
Current public offer
75,000 bonus points after $5,000 spend in 3 months — as of 2026-07-01 · source
Fees & fine print
- Annual fee: $95
- Suggested credit: Good / Excellent (690+)
- No foreign transaction fee ✓
Earning
- 3x Dining
- 5x Chase Travel, 2x all other travel
- 3x Online Grocery
- 3x streaming, gas & EV charging; 1x everything else
Transfer partners
United · Southwest · JetBlue · British Airways · Air Canada · Flying Blue · Emirates · Singapore · Virgin Atlantic · Hyatt · Marriott · IHG
Informational only — not financial advice. Offers change; verify all terms with the issuer before applying.