chase

CHASE SAPPHIRE PREFERRED

visa

Chase

Chase Sapphire Preferred

$95/year · 75,000 point signup bonus · first travel card, general travel, dining, streaming

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Quick Stats

Annual Fee

$95

Signup Bonus

75,000 pts

Spend Requirement

$5,000 in 3mo

Foreign Transaction Fee

None

Credit Score

good

Currency

Earning Rates

dining3x

streaming3x

online shopping3x

travel2x

groceries1x

gas1x

other1x

Travel portal value

Worth 1.25¢ per point when booking through Chase's travel portal

1.25¢/pt

Transfer Partners

Chase Ultimate Rewards

Airlines

United MileagePlus

UA·Star Alliance

1:1

instant

Southwest Rapid Rewards

1:1

instant

British Airways Avios

BA·oneworld

1:1

instant

Air Canada Aeroplan

AC·Star Alliance

1:1

instant

Singapore KrisFlyer

SQ·Star Alliance

1:1

12-24 hours

Emirates Skywards

1:1

instant

Air France/KLM Flying Blue

AF·SkyTeam

1:1

instant

Iberia Avios

IB·oneworld

1:1

instant

Virgin Atlantic Flying Club

VS·SkyTeam

1:1

instant

JetBlue TrueBlue

1:1

instant

Hotels

World of Hyatt

1:1

instant

IHG One Rewards

1:1

instant

Marriott Bonvoy

1:1

1-2 days

Perks & Benefits

$50 annual hotel credit (Chase portal)
5x on Chase travel
Best card for general travel earning (2x)
Trip delay/cancellation insurance
No foreign transaction fees
10% anniversary point bonus

The Verdict

5/5

ByEllis Church·Mar 11, 2026

The best first travel rewards card — low fee, flexible points, room to grow.

The CSP is the best entry point into the points and miles world. The 75K bonus is worth nearly $1,000 when transferred to Hyatt, and the $95 fee is a fraction of what premium cards charge. If you eat out regularly and travel a few times a year, this card pays for itself immediately. Graduate to the CSR later when you're ready for the lounge life.

Pros

3x on dining, streaming, and online shopping covers where most people actually spend
$95 annual fee is easy to justify with the 75K signup bonus alone (worth $937+ via transfers)
Access to Chase transfer partners (Hyatt, United, Southwest) unlocks premium redemptions
$50 annual hotel credit through Chase Travel offsets most of the fee
10% anniversary bonus on points earned that year adds up quietly

Cons

No lounge access — you'll feel the gap at airports compared to the CSR or Venture X
1x on groceries and gas means you need a companion card for everyday spending
Foreign transaction fee is absent, but the 1.25cpp portal rate is modest compared to CSR's Points Boost
Chase One Sapphire rule blocks pairing this with the CSR