Chase Ultimate Rewards

Chase Sapphire Preferred® Card

Name: Chase Sapphire Preferred® Card
Brand: Chase

Issued by Chase · $95/yr annual fee

Welcome bonus

60,000 points

After $4,000 spend in 3 months

Has peaked at 100k. Current public offer typically 60k.

Offer link coming soon

Key benefits

›$50 annual hotel credit via Chase Travel
›Primary auto rental insurance
›Trip cancellation/interruption insurance
›1.25 cpp on Chase Travel redemptions
›No foreign transaction fees

Earn rates

Travel	3×
Dining	3×
Online grocery (excl. Target/Walmart/wholesale)	3×
Streaming	3×
All else	1×

Why this card

The gateway card to Chase UR. Best first card for most travelers — $95 AF, solid earn rates, and 1:1 transfers to United, Southwest, and Hyatt make it the most versatile entry card.

Used in these itineraries

Tokyo in Polaris business + Park Hyatt for ~$50 cash
Five nights in Tokyo with United Polaris business round-trip and Park Hyatt on points. The Cosmopolitan play: one Chase UR balance feeding two transfer partners.

Related guides

Transferable Points 101: Why Chase UR, Amex MR, Citi TY, and Capital One Miles Beat Airline-Specific Cards
The single biggest mistake new points players make: collecting United miles on a United card instead of Chase points that can become United miles, or Hyatt nights, or Air Canada miles. Here's the playbook.

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