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Chase Sapphire Preferred Card
If you want transferable points without paying for lounge access you'll never use, the Preferred beats the Reserve on math for most people: $95 a year as of 2026 versus $550. Points move 1:1 to partners like Hyatt and United, and a $20,000-a-year spender earns roughly 25,000 points on travel and dining alone, often worth $375+ through transfers. Skip it if you fly enough to actually clear the Reserve's lounge and credit value, and confirm current bonus terms on chase.com since welcome offers rotate.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓Move points at a 1:1 rate to partners like United, Southwest, and Hyatt
- ✓Points stretch 25% further when booked through Chase Travel
- ✓$50 hotel credit each year for stays booked via Chase Travel
👍 Pros
- + Send points to airline and hotel loyalty programs
- + Solid coverage for trips and purchases
- + Charges nothing extra on purchases made abroad
👎 Cons
- – Carries an annual fee
- – Doesn't get you into airport lounges
- – You'll need good credit to qualify
Can you get it?
- ▸A U.S. credit file scoring in the good-to-excellent range
- ▸Under the Chase 5/24 limit (fewer than 5 new cards opened in the past 24 months)
- ▸Income high enough to back the credit line
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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