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The Chase Sapphire Preferred is the Best Credit Card for Beginners

Chase Sapphire Preferred

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Getting started with travel rewards credit cards can be daunting, with hundreds of cards to pick from. But one stands above the rest as the best place for any aspiring traveler to start.

It’s the Chase Sapphire Preferred Card. This card offers a big welcome bonus of 60,000 points that can unlock $750 or more in free travel. Even a novice can easily redeem points for free flights with some extra value, but it’s also a great starting point to learn more about maximizing points and miles with travel partners.

Once you add in the mix of benefits like travel insurance, car rental coverage, and no foreign transaction fees, it’s clearly the best travel rewards card for beginners. And with a low annual fee of $95, it’s an approachable card that should be a mainstay in every traveler’s wallet.

 

Chase Transfer Bonus British Airways

 

Click Here to get more information about the Chase Sapphire Preferred Card. 

 

Benefits Of The Chase Sapphire Preferred Card

Earn 60,000 Bonus points: After you spend $4,000 on purchases within three months of account opening. That is $750 toward travel when you redeem the points through the Chase Ultimate Rewards portal. You can actually buy our flight deals with the points and get a flight for free!

Redeem Chase Ultimate Rewards Points For 1.25 Cents Per Point:  One of the best benefits of this card – Get 25% more value when you redeem your points for airfare, hotels, car rentals, etc. through Chase Ultimate Rewards. These 60,000 are worth at least $750 toward travel. Again, we recommend booking flight deals with the points, but there are so many great ways to use the points.

Transfer Points to Travel Partners: If you want to get even more value out of your points, look into transferring Chase Ultimate Rewards points to one of 13 airlines and hotel chains. This is the key to booking amazing travel, including business and first class flights. See our top 6 redemptions for Ultimate Rewards Points.

2x Points On Travel And Restaurants Worldwide: You will earn 2x points on all travel and dining at restaurants worldwide, plus 1 point per dollar on all other spending.

No Foreign Transaction Fees: On any purchase in any country.

Primary Car Rental Insurance: When you charge your car rental to the Chase Sapphire Preferred card, you are able to decline the insurance from the rental company and be covered up to $75,000 for theft and/or collision damage.

Trip Cancellation/Trip Interruption Insurance: If your trip is cut short or interrupted by sickness and/or severe weather, you will be reimbursed for pre-paid, nonrefundable travel expenses (airfare, tours, etc.) up to $10,000 per trip. This is available to the cardholder, traveling companion or immediate family member when you pay for the trip with the Sapphire Preferred Card.

Baggage Delay Insurance: If your checked baggage is delayed by more than six hours, you will be reimbursed $100 per day for up to five days for essential purchases (clothing, toiletries, etc.)

Extended Warranty Protection: Receive an additional year of coverage on eligible purchases with a manufacturer’s warranty of three years or less. This is a great way to add additional protection to expensive electronics, among other items.

Purchase Protection: Personal property protection from theft or damage. If something happens to an item within 120 days of purchase, it will be repaired or replaced for a value of up to $500.
 


 

Click Here to get more information about the Chase Sapphire Preferred Card.

 

Two Ways to Use Points 

One of the best parts about the Chase Sapphire Preferred card is that it gives you two options to redeem your points for travel.

The first couldn’t be easier. Using Chase’s Ultimate Rewards travel portal, you search for airfare or hotels. The search is powered by Expedia, so it should be familiar. Find the fare or hotel you’re looking for, and you’ll have the option to pay with points. With the Chase Sapphire Preferred, every point is worth 1.25 cents toward travel. So 60,000 points = $750 in free travel.

 

 

Bonus: You still earn miles when booking flights this way. That makes it one of our favorite ways to book cheap flight deals.

But there’s one other great way to use points from your Chase Sapphire Preferred card to unlock even more value. You can transfer points to 10 different airlines and three hotel chains. These transfers are on a 1:1 basis, so transferring 1,000 Chase points will get you 1,000 airline miles or hotel points. Here’s a look at your options:

 

ProgramTypeTransfer RatioTransfer Time
Aer LingusAirline1:1Instant
Air France/KLMAirline1:1Instant
British AirwaysAirline1:1Instant
EmiratesAirline1:1Instant
Iberia PlusAirline1:1Instant
JetBlueAirline1:1Instant
Singapore AirAirline1:112-24 hours
Southwest AirlinesAirline1:1Instant
United AirlinesAirline1:1Instant
Virgin AtlanticAirline1:1Instant
World of HyattHotel1:1Instant
IHGHotel1:11 day
Marriott RewardsHotel1:12 days

 

Read our guide on how to transfer Chase Ultimate Rewards points.

There are plenty of ways to squeeze a lot of value out of these points via transfer partners – including flying business and first class. Be sure you read our guide on the best ways to use a Chase Sapphire Preferred bonus. 

These two ways to use Chase points make them insanely valuable and versatile. But it also gives you the space to master the best ways to use points and miles. And that’s a massive part of what makes it such a strong card for beginners.

 

Our Analysis

The Chase Sapphire Preferred has long been one of the best cards in the world of points and miles – especially for beginners. And that remains true today.

In fact, it’s better than ever. The current 60,000-point welcome bonus is an increase from its previous bonus of 50,000 points and the highest-ever publicly available bonus we’ve seen on the Chase Sapphire Preferred. There’s no telling how long this bigger bonus will be available.

And 60,000 points is nothing to sneeze at. With that bonus, you could book a trip for two to Hawaii – and still have points left over. With round-trip flights to Europe below $300, you could use the points directly to book a flight deal for as little as 19,000 Chase points. This bonus could even get you a business class seat in the amazing new Delta One suites to Europe or Asia. Or book a free night’s stay at Hyatt properties worldwide – including all-inclusive resorts scattered throughout the Caribbean.

 

 

Add in the different perks you get with the card, and this card will be easily worth the $95 annual fee for almost any traveler.

And there’s one other big reason to apply for a Chase Sapphire Preferred before opening others on the market. Once you’ve opened five or more credit cards from any bank (not just Chase) in a two-year period, you won’t get approved for another Chase card. It’s called the 5/24 rule.

While applying for five or more credit cards might sound insane, it just makes it important to prioritize Chase credit cards over their competitors. And there’s no better place to start than with the Chase Sapphire Preferred.

 

Bottom Line

Others come close, but there is simply no better card to dip your toe into the world of points and miles and get some incredible free travel than the Chase Sapphire Preferred Card.

 

chase sapphire preferred

 

Click Here to get more information about the Chase Sapphire Preferred Card. 

 

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Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer.

The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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