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Travel rewards, protections and perks in one affordable card
Limited-time 75,000-point welcome bonus
Earn 75,000 bonus points after spending $5,000 in purchases within the first three months.
Elevated rewards on travel and dining
Get 5x points on Chase Travel bookings, 3x on dining, 2x on other travel, 1x everywhere else.
Flexible redemptions and transfer partners
Redeem through Chase Travel with boosted value or transfer 1:1 to major airline and hotel loyalty programs.
Strong travel and purchase protections
Primary rental coverage, trip protections, baggage coverage, purchase protection and extended warranty on eligible purchases worldwide.
Why the Chase Sapphire Preferred Stands Out in 2025
In 2025, the Chase Sapphire Preferred remains one of the strongest mid-tier travel rewards cards in the United States, especially for people who want premium-style benefits without paying a premium-sized annual fee. New cardmembers can earn 75,000 Chase Ultimate Rewards points after spending $5,000 on purchases within the first three months from account opening. Depending on how you redeem, this bonus alone can be worth hundreds of dollars in travel value. The annual fee stays at a competitive $95, and the card carries a variable APR that depends on your credit profile.
The rewards structure is designed around real-world spending. You earn 5x total points on travel purchased through Chase Travel, 2x points on other travel worldwide, 3x points on dining (including eligible delivery and takeout), 3x on online grocery purchases (excluding Target, Walmart and wholesale clubs) and 3x on select streaming services. All other purchases earn 1x point per dollar. Every account anniversary, you receive a 10% points bonus based on your total spending from the previous year, effectively boosting your ongoing rewards. There is also an annual $50 hotel credit for prepaid hotel bookings made through Chase Travel, which can partially offset the annual fee if you use it each year.
Redemption options are a core strength. You can redeem points through Chase Travel for flights, hotels, rental cars, cruises and activities, and with the newer Points Boost feature your points can be worth up to 1.5x on thousands of top-booked hotels and flights, and up to 1.75x on select premium cabin tickets. For more flexibility, you can transfer points at a 1:1 ratio to several airline and hotel partners, including major programs such as United, Southwest, Air Canada Aeroplan, British Airways Executive Club, World of Hyatt and Marriott Bonvoy. With smart use of partners, your points can go much further than simple cash back.
The Sapphire Preferred also offers strong protections for travelers and shoppers. Benefits include primary auto rental collision damage waiver, trip cancellation and interruption insurance, trip delay reimbursement, baggage delay coverage, lost luggage reimbursement and travel accident insurance. On the shopping side, you get purchase protection against damage or theft for eligible items and extended warranty on qualifying U.S. manufacturer warranties. There are no foreign transaction fees, making the card friendly for international travel. Everyday perks such as complimentary DashPass with a monthly non-restaurant credit, 5x points on Lyft rides through September 30, 2027, and 5x points on eligible Peloton equipment purchases through December 31, 2027 keep the card relevant even when you are not traveling frequently. Overall, the Chase Sapphire Preferred continues to be a top choice “first real travel card” for many Americans in 2025.
Take Off with the Chase Sapphire Preferred: Why Now Is a Strong Time to Apply
If you have been thinking about getting a travel rewards card, 2025 is a very attractive time to consider the Chase Sapphire Preferred. The combination of a 75,000-point welcome bonus, elevated earning rates in valuable categories and the Points Boost feature through Chase Travel gives you a strong head start toward future trips. When you add in the $50 annual hotel credit, 10% anniversary points bonus and robust travel and purchase protections, the value you can extract in the first year alone can easily exceed the modest $95 annual fee, especially if you have a major trip planned.
Flexibility is one of the card’s biggest selling points. If you want simplicity, you can redeem points directly through Chase Travel for flights, hotels, rental cars and more. If you want to maximize every point, you can use the 1:1 transfer partnerships to move points into airline and hotel loyalty programs, often unlocking premium cabin seats or upscale hotel stays that would be much more expensive with cash. Points Boost adds another layer of value, letting you redeem points at enhanced rates on select hotels and flights so your rewards stretch even further.
The card also fits into everyday life, not just travel. Complimentary DashPass can help you save on food, grocery and retail deliveries, while Lyft and Peloton accelerators reward you for common lifestyle spending. No foreign transaction fees, strong protections and 24/7 customer service make it easy to rely on this card at home and abroad.
For many people, the decision ultimately comes down to how often they travel and whether they are willing to learn a few simple redemption strategies. The Chase Sapphire Preferred tends to work best for beginners who want a mix of ease and upside: you can start with basic redemptions through the Chase Travel portal, then gradually explore transferring points once you feel comfortable. Because the card sits in the middle ground between entry-level cash-back cards and high-fee premium products, it can really serve as a long-term foundation in your wallet rather than something you open just for the welcome bonus.
If you see yourself traveling at least occasionally, dining out or ordering in regularly, and you are comfortable using credit responsibly and paying in full each month, the Chase Sapphire Preferred can be a powerful tool. Consider reviewing your upcoming trips and monthly budget, then decide if the bonus, earning structure and protections align with how you already spend. Used wisely, this card can turn everyday purchases into memorable travel experiences while giving you added peace of mind along the way.