Points, Miles & Credit Cards

Review: Chase Sapphire Preferred® Card

June 17, 2026

6 min read

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Who is the Chase Sapphire Preferred® Card for?

The card_name is an easy addition to the wallet of any burgeoning points traveler. The solid earning rates on purchases related to food and travel will boost your points-earning without too much effort. The annual_fees annual fee is offset by a bevy of benefits that are easy to use on a good day (that hotel credit) and there for you on a bad day (lost luggage).

Annual fee: annual_fees

Foreign transaction fee: foreign_transaction_fee

Earning rate:

Earn 5x points per dollar spent on travel purchased through Chase Travel(SM).
Earn 3x on dining
Earn 3x on vacation homes
Earn 3x on gas & EV charging
Earn 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs)
Earn 2x points per dollar on all other travel purchases
Earn 1X points on all other purchases

Welcome offer: bonus_miles_full

Pros and cons

Pros:

Chase has some of the best airline and hotel transfer partners among all card issuers
Comparatively low annual fee
Host of travel protections
No foreign transaction fee makes this card perfect for traveling abroad
Earns bonus points on several common spending categories

Cons:

Lacks many extra travel perks that are common with more premium cards
Does not grant you lounge access

Our take

This card's points are valuablely flexible. You can transfer your points to any of its array of airline partners to get where you need to go.

Chase Sapphire Preferred® Review

If you’re looking to get your feet wet in the world of credit card points and airline miles, you’ll need a good starter credit card with which to learn the ropes.

That card should have three things: the annual fee needs to be affordable; the shopping categories on which the card offers bonus spending need to match your spending habits; and the points should be transferable to travel partners that you would actually use.

There are plenty of cards out there that do just that, but there’s one credit card for beginners that stands heads and shoulders above the rest. For points and miles beginners, I recommend the card_name.

Earning points with the Chase Sapphire Preferred® card

The card_name lets you earn multiple Chase Ultimate Rewards points per dollar spent on eligible purchases that fall into certain "spending categories," many of which are types of things most travelers and non-travelers buy anyway. This makes the card a useful way to earn points for everyday spending, even when you're not on the road. Let's look at those spending categories one by one.

Here are the points you can earn with the Chase Sapphire Preferred® Card:

5x total points on travel purchased through Chase Travel(SM)
2x on other travel purchases
3x on vacation homes
3x on gas & EV charging
3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs)
Plus, earn 1x point per dollar spent on all other purchases.

Redeeming points with the Chase Sapphire Preferred® card

There are several ways to use your points, but the best redemption method is to transfer them to one of Chase's airline or hotel partners.

Chase transfer partners

You can transfer Chase points to these airlines.

Aer Lingus AerClub
Air Canada Aeroplan
Air France / KLM Flying Blue
British Airways Executive Club
Iberia Plus
JetBlue TrueBlue
Singapore Airlines KrisFlyer
Southwest Airlines Rapid Rewards
United MileagePlus
Virgin Atlantic Flying Club

All points transfer at a one to one (1:1) ratio, which means that one Chase point is equivalent to one mile or point with all of these loyalty programs, once transferred.

Anecdotally, transfers to all these partners are relatively instantaneous, with one exception: transfers to Singapore Airlines KrisFlyer usually take 24 hours to process.

Chase hotel transfer partners

Chase points transfer at a 1:1 ratio to the following hotel partners.

IHG One Rewards
Marriott Bonvoy

Points from the Chase Sapphire Preferred ® Card transfer 4:3 to World of Hyatt.

Additional benefits of the Chase Sapphire Preferred® card

In addition, the Chase Sapphire Preferred® card comes with several other perks:

ENHANCED! $100 Chase Travel℠ Hotel credit
NEW! Application fee credit up to $120 for Global Entry, TSA PreCheck, or NEXUS (once every four years).
NEW! Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $156.
Trip Cancellation/Interruption Insurance: Up to $10,000 reimbursed per person if your trip is cancelled or cut short by sickness, severe weather or other covered situations.
Auto rental collision damage waiver: Primary coverage
Baggage delay insurance: Reimburses baggage delays over 6 hours up to $100 a day for five days.
Trip delay insurance: Up to $500 per ticket when your carrier is delayed more than 12 hours or requires an overnight stay. Can include meal and lodging expenses.
Extended warranty and purchase protections.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.

See Rates and Fees for the card_name

Matt Ortile

Marketing

Matt Ortile writes the Going With Points newsletter at Going. He is the author of the essay collection The Groom Will Keep His Name, a columnist at Condé Nast Traveler, and working on a novel about a flight attendant. He lives in Brooklyn.

Last updated June 17, 2026