We often say that Chase Sapphire Preferred® Card (See Tariffs and fees) is the best first credit card for those who learn about the hobby of points and Miles. This is not because the card is a “beginner” card – the opposite. Many of us in TPG still prefer sapphire because it is an integral part of our travel awards strategy.
We point it out for several reasons:
- Chase Ultimate Points Points are universal and easy to use. Anyone who starts in the credit card awards will have no problem saving a lot of money with them.
- The card has solid current benefits that are not related to points.
- The card is usually available with a generous registration bonus.
In fact, new candidates for the preferred Chase Sapphire card can earn a 100,000 -point bonus after spending $ 5,000 in purchases during the first three months of opening an account. It’s The best offer We see on the map for several years. The card comes with a $ 95 annual fee, but it’s relatively easy to cover it (and then some).
Let’s look at how you can maximize the preferred benefits of Chase Sapphire to ensure that you save the most money -and earn the most points -as organic as possible. It will help you decide whether the card is worth it to be maintained year after year.
View the preferred benefits of Chase Sapphire
Here are the remarkable advantages of Chase Sapphire is preferred:
- An annual $ 50 loan for a stay at the hotel purchased through Chase Travel℠ Portal℠
- A 10% point bonus each year based on your card costs (eg if you spend $ 10,000, you’ll get 1,000 bonus points)
- Opportunity to earn 5 dollar points spent on Lyft purchases (until September 30, 2027) and a trip reserved via Chase Travel
- Ability to earn 5 dollar points spent on any Pelton equipment and buying accessories of $ 150 or more – with a limit of 25,000 points (until December 31, 2027)
- At least 12 months of free dash for use with both doordash and caviar (when you activate until December 31, 2027)
- Ability to earn 3 dollar points spent on dining, choose streaming services and online groceries (except for Walmart, Target and Wholesale Clubs))
- Opportunity to earn 2 dollar points spent on all trips not booked through the Chase Travel Portal
- Ability to earn 1 point per dollar spent on everything else
- Primary car rental insurance
- Travel delay insurance
- Luggage delay insurance
- Protection of an extended warranty
- There are no fees for foreign transactions
You don’t have to be Miles and Enthusiasts to evaluate the card. These fins make Chase Sapphire a very practical card for anyone who vacates even only once or twice a year.
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With an annual fee of $ 95, protecting the trip only makes this card that costs. And as the card quickly collects prizes, you will have a small stock of pursuit points until you are confident enough to use them.
Related: View Chase Sapphire Precred Card: High Travel and Dining Card
Strategies to maximize the sapphire of Chase Sapphire
Thehe Chase Sapphire is preferredThe current bonus is 100,000 points after spending $ 5,000 on purchases during the first three months of opening the account. According to TPG April 2025 ratingsThe bonus costs $ 2,050 – although you can get significantly more than you learn Chase Ultimate Rewards Sweet SpotsS
But after you have used the bonus, what is the best way to maximize this card?
Use your Chase Sapphire preferred to pay for airline tickets
The preferred Chase Sapphire earns 5 dollar points spent on airline tickets booked through the Chase Travel Portal and 2 points per dollar when reserved through an online travel agency or directly with the airline. However, the accumulation of points is not the main motivator for using the card.
The preferred sapphire Chase will automatically give you two significant advantages (by the way) when booking air trips:
- Travel delay insurance: Your covered up to $ 500 per ticket when your flight is delayed at least 12 hours (or if a delay or cancellation leads to an unexpected stay overnight).
- Luggage delay insurance: You and your close family are entitled up to $ 100 a day in recovery (for up to five days) to cover the purchase of the required costs such as clothes and toiletries. This benefit begins when your bags slow down for six hours or more.
These benefits alone are sufficient for many to keep the card year after year.
Use your Chase Sapphire preferred to pay for hotels through the Chase Travel Portal
Each anniversary, preferred by Chase Sapphire, comes with A $ 50 report loan For a stay at a hotel reserved through the Chase Travel Portal. You will also receive 5 points per dollar for booking a trip through Chase Travel (although the $ 50 loan will not win points). This is a great couple of benefits capable of courting anyone who usually reserves hotels through an online travel agency like Expedia or Priceline.
Just keep in mind that this may not be the best option if you are booking a major chain that is part of a hotel loyalty program as Marriott Bonvoy or Hilton honorsS Chase is considered a third -party platform for these reservations, which means that you probably won’t earn points when staying (and you may not be able to enjoy elite statuses as well).
You can always call the individual property after booking (or try to add your loyalty number when accommodating), but it may not work. Your best bet is to use this bonus for uneven hotels or boutique properties.
Use your Chase Sapphire preferred to pay for rental vehicles
Here is another self -compensation that can justify the annual Chase Sapphire Preferred fee of $ 95 for many passengers: when you pay for a car rental with the card, you can give up the Collision Collision Collision Insurance and you will still receive an insurance for damage to damage Primary car rental insuranceChase’s courtesy.
Note that this covers damage and theft of the card without going through your personal insurance company. You will also win 5 points per dollar if you book your rent through the Chase Travel Portal. However, this does not include liability insurance (damage to the car you have crashed, for example).
Use your Chase Sapphire prefers to pay in restaurants
The preferred sapphire Chase earns 3 dollar points spent in restaurants, whether you are ordering take -off or meals. It is a great benefit to arrange with a free year (at least) on the map (at least) from Tishpas Membership With Doordash (when you activate until December 31, 2027). You will receive free order supplies for a total value of over $ 12 and you will earn 3 dollar points spent on your purchase. This equals 6% back to your food. Card owners also receive one promotion up to $ 10 a discount from each calendar month at the cash desk for one food product, a convenience store or other order for DOORDASH.
Related: You just preferred Chase Sapphire? Do these 7 things after
When you don’t use Chase Sapphire Preferences
Sometimes, your Chase Sapphire is preferred is best left in your wallet.
Do not use your Chase Sapphire preferred to pay for nonBONUS purchases
The card earns 1 point per dollar spent on all costs that do not fall into the bonus category. This is not a reasonable degree of return. There are many cards (some with $ 0 year fees) that will serve you better for these transactions. If you want to stay focused on collecting Chase Ultimate Rewards Points, spend your finger Chase Freedom Unlimited® (See Tariffs and fees) To earn a minimum of 1.5% cash (1.5 dollar points) for all purchases.
Do not lose other card benefits using preferences from your Chase Sapphire
If you have other credit cards that provide valuable benefits for specific purchases, do not use Chase Sapphire, preferred by loyalty.
For example, you can get a free registered bag with United Airlines when you use your qualification United Airlines Credit Card to pay for your flight. This could save you $ 70 a round trip, justifying the use of your UNITED card over your sapphire preferred.
Or, if you book the same hotel brand often and elite status is important to you, use the hotel credit card to pay for your stay instead of your preferred sapphire. This will earn more points. For example:
Lower order
Thehe Chase Sapphire is preferred It’s worth a $ 75 annual fee each year if you know how to maximize the card. The card collects a blow between its annual $ 50 hotel loan, its countless travel insurance and your generous prices for profit. And given the solid welcome bonus, the implementation is currently not wretched.
Apply here: Chase Sapphire Preferred Card