⭐ Editor's Choice — Top Rated Pick
Chase Sapphire Preferred® Card
📍 Available in: US
★★★★★ 4.7 / 5.0
The Chase Sapphire Preferred is the gold standard entry-level travel credit card. With a low $95 annual fee, it unlocks access to Chase's premium transfer partners (like Hyatt and United) and gives you a 25% boost in point value when redeeming through the Chase travel portal. It features best-in-class primary rental car insurance and excellent trip delay protections.
Key Facts at a Glance
| Cost / Fee Structure | $95 |
| APR / Rate | 21.49% - 28.49% Variable |
| Sign-Up Bonus / Match | 60,000 Bonus Points |
| Credit / Eligibility | Good to Excellent (690+) |
Pros & Cons
✓ Pros
- ✓Very affordable $95 annual fee
- ✓$50 hotel credit drops effective fee to $45
- ✓Transferring points to World of Hyatt offers massive value
- ✓Primary rental car insurance is rare on a sub-$100 card
✕ Cons
- ✕Lacks airport lounge access
- ✕No multiplier for in-store grocery shopping
- ✕Subject to Chase's strict 5/24 approval rule
Key Features
Points worth 25% more in Chase portal$50 Annual Hotel Credit1:1 Point Transfers to PartnersPrimary Rental Car CoverageNo Foreign Transaction Fees
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