Chase
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Chase Sapphire Preferred
Visa
Chase · Mid-Tier · Personal Card
Chase Sapphire Preferred
The best on-ramp into transferable points — most of the Reserve's redemption power at a fraction of the fee.
Sign-Up Bonus
100,000 bonus points
after $5,000 spent in the first 3 months
Estimated value: ~$1,250 (at 1.25¢/point via Chase Travel or transfer partners)
Earn Rates
5x applies specifically to travel booked through the Chase Travel portal; the 2x shown here reflects travel booked elsewhere. Groceries bonus excludes Walmart, Target, and wholesale clubs.
2x
Travel
3x
Dining
3x
Groceries
1x
Gas & Transit
1x
Everything Else
Estimated redemption value: 1.25¢ per point/mile.
Annual Credits & Perks
~$50/yr realistic value
$50 annual Chase Travel hotel credit.
Transfer Partners
Pros & Cons
Pros
- + Low $95 fee relative to the redemption value
- + Strong dining and grocery multipliers
- + Excellent transfer partner lineup for a mid-tier card
- + Primary rental car collision coverage
Cons
- – No airport lounge access
- – Minimal built-in credits beyond the $50 hotel credit
- – The 5x category only applies to bookings made through Chase's own portal
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