chase sapphire preferred travel

Chase Sapphire Preferred(Registered Trademark) credit card

Chase Sapphire Preferred ® credit card

New cardmember offer, earn 60,000 bonus points, at a glance, premium dining & travel rewards.

Travel Credit Card Rewards & Benefits

after you spend $4,000 on purchases in the first 3 months from account opening. * Opens offer details overlay That's $750 toward travel when redeemed through Chase Travel SM .

This product is available to you if you do not have any Sapphire card and have not received a new cardmember bonus for any Sapphire card in the past 48 months.

Over $150 in additional partnership benefit value

Take advantage of over $150 in partner value Opens overlay. with Sapphire Preferred.

More ways to earn

Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Travel. * Opens offer details overlay

Earn 5x total points on travel purchased through Chase Travel, excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit. * Opens offer details overlay

Earn 2x on other travel purchases. * Opens offer details overlay

Earn 3x points on dining, including eligible delivery services, takeout and dining out. * Opens offer details overlay

Earn 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs). * Opens offer details overlay

Earn 3x points on select streaming services. * Opens offer details overlay

Plus, earn 1 point per dollar spent on all other purchases. * Opens offer details overlay

Additional Value with Ultimate Rewards

Get 25% more value when redeemed for travel. For example 60,000 points are worth $750 toward travel when redeemed through Chase Travel. * Opens offer details overlay Plus, ultimate rewards points do not expire as long as the account is open.

Each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year. That means if you spend $25,000 on purchases, you'll get 2,500 bonus points. * Opens offer details overlay

My Chase Plan

Eligible cardmembers can break up card purchases of $100 or more into fixed monthly payments with My Chase Plan ® . * Opens offer details overlay No interest, just a fixed monthly fee. † Opens pricing and terms in new window

Explore Additional Benefits

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if you already have either Chase Sapphire ® Card!

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Cardmember Reviews

Just excellent.

This card offers the best of any aspect of life! Travel, Rewards, Cashback! Everything is just so well explained and the customer service is just perfect. Will be your best companion for travel, business, or pretty much anything you do!

Best travel card ever !

This card should be rated the best card for travelers. Great perks on travel and dining. No international transaction fees. Cash back actually covers the annual fees. Thank you Chase for giving the best and caring for consumers.

Best Credit Card I Have

I recommend this card to all my friends and family. I have two other credit cards, but usually only use my chase card because of all the benefits of using it. Plus, I feel safe using a chase card.

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1:1 point transfer.

Are you a member of a frequent travel program? With Chase Sapphire Preferred ® , you can transfer your points to leading frequent travel programs at 1 to 1 value.

Hotel Travel Partners

IHG ® Rewards Club
Marriott Bonvoy ®
World of Hyatt ®

Partner benefits

Earn more points.

Earn 5x points on Lyft rides through March 31, 2025. That's 3x points in addition to the 2x points you already earn on travel. * Opens offer details overlay

Instacart+ Subscription

Skip the trip and have your groceries delivered to your doorstep with 6 months of complimentary Instacart+. * Opens offer details overlay Activate by July 31, 2024. Plus, Instacart+ members earn up to $15 in statement credits each quarter through July 2024. * Opens offer details overlay Membership auto-renews.

DashPass Subscription

Get complimentary access to DashPass – a membership for both DoorDash and Caviar – which unlocks $0 delivery fees and lower service fees on eligible orders for a minimum of one year when you activate by December 31, 2024. * Opens offer details overlay

Earn 5x total points on Peloton equipment and accessory purchases over $150 with a max earn of 25,000 total points now through Mar. 31, 2025. * Opens offer details overlay

Travel & purchase coverage

Travel confidently, trip cancellation/interruption insurance.

If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels. ** Same page link to disclaimer

Auto Rental Collision Damage Waiver

Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad. ** Same page link to disclaimer

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days. ** Same page link to disclaimer

Trip Delay Reimbursement

If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket. ** Same page link to disclaimer

Travel and Emergency Assistance Services

If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.) ** Same page link to disclaimer

Shop with confidence

Purchase protection.

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account. ** Same page link to disclaimer

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less. ** Same page link to disclaimer

** Same page link to disclaimer reference These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.

No foreign transaction fees

You will pay no foreign transaction fees when you use your card for purchases made outside the United States. † Opens pricing and terms in new window For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.

24/7 Access to a Customer Service Specialist

Enjoy 24/7 access to a customer service specialist from virtually anywhere in the world. photo by: Lillian Lin

Apply for a card, use it the same day

Receive instant access to your card by adding it to a digital wallet, like Apple Pay ® , Google Pay ™ or Samsung Pay. Find out how at chase.com/digital/spend-instantly Opens in a new window .

For more information, please visit chase.com/mychaseplan Opens in a new window .

$300 Travel Credit

Merchants in this category include airlines, hotels, motels, timeshares, car rentals agencies, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages. Some merchants that provide transportation and travel-related services are not included in this category; for example, real estate agents, educational merchants arranging travel, in-flight goods and services, on-board cruise line goods and services, sightseeing activities, excursions, tourist attractions, RV and boat rentals, merchants within hotels and airports, public campgrounds and merchants that rent vehicles for the purpose of hauling. Purchases from gift card merchants or merchants that sell points or miles will not qualify in the travel category. * Opens offer details overlay

Reserve Partner Value Modal

Lyft Pink Membership

Get 2 complimentary years of Lyft Pink All Access when activated by Dec. 31, 2024 —a value of $199 /year. This includes 10% off Lux rides, free Priority Pickup upgrades discounts on bikeshare and more. Membership auto-renews. * Opens offer details overlay You'll also earn 10x total points on Lyft rides through March 2025. * Opens offer details overlay

DoorDash DashPass Subscription

Get a complimentary access to DashPass - a membership for both DoorDash and Caviar —a value of $120 for 12 months - which unlocks $0 delivery fees and lower service fees on eligible orders for a minimum of 12 months when you activate by Dec 31, 2024. * Opens offer details overlay

Monthly DoorDash Credit

Get $5 in DoorDash credits each month through Dec 31, 2024, redeemed at checkout. * Opens offer details overlay

Instacart Membership

Skip the trip and have your groceries delivered to your doorstep with 1 year of complimentary Instacart+ —a value of $99 /year. Activate by July 31, 2024. Membership auto-renews. * Opens offer details overlay

Monthly Instacart Credit

Instacart+ members earn up to $15 in statement credits each month through July 2024. * Opens offer details overlay

Priority Pass Select Membership

Enjoy a complimentary Priority Pass Select membership at 1,300+ VIP airport lounges worldwide —a value of $469 /year. * Opens offer details overlay

The Edit SM

Book through The Edit SM and discover a curated collection of inspired stays with cardmember benefits including daily breakfast for two, a $100 property credit, room upgrades (upon availability) and more. * Opens offer details overlay

10x on Peloton Purchases

Earn 10x total points on Peloton equipment and accessory purchases over $150 through March 31, 2025. * Opens offer details overlay That's $150 when you purchase a Peloton Bike and redeem for cash.

DoorDash Dashpass Subscription

Get complimentary access to DashPass – a membership for both DoorDash and Caviar —a value of $96/year - which unlocks $0 delivery fees and lower service fees on eligible orders for a minimum of one year when you activate by Dec 31, 2024. * Opens offer details overlay

Skip the trip and have your groceries delivered to your doorstep with 6 months of complimentary Instacart+ —a value of $60 value . Activate by July 31, 2024. Membership auto-renews. * Opens offer details overlay

Quarterly Instacart Credit

Sapphire Preferred Instacart+ members earn up to $15 in statement credits each quarter through July 2024. * Opens offer details overlay

5x on Peloton Purchases

Earn 5x total points on Peloton equipment and accessory purchases over $150 through March 31, 2025. That's $75 when you purchase a Peloton Bike and redeem for cash. * Opens offer details overlay

5x total points on Lyft

Earn 5x total points on Lyft rides through March 31, 2025. That's 3x points in addition to the 2x points you already earn on travel. * Opens offer details overlay

Offer Details

Offers may vary depending on where you apply, for example online or in a branch, and can change over time. to take advantage of this particular offer now, apply through the method provided in this advertisement. review offer details before you apply..

60,000 Bonus Points After You Spend $4,000 On Purchases In The First 3 Months From Account Opening: The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months. If you are an existing Sapphire customer and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new cardmember bonus if you change products. To qualify and receive your bonus, you must make Purchases totaling $4,000 or more during the first 3 months from account opening. ("Purchases" do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

$50 Annual Chase Travel Hotel Credit: A statement credit will automatically be applied to your account when your card is used for hotel accommodation purchases made through Chase Travel, up to an annual maximum accumulation of $50. Annual means the year beginning with your account open date through the first statement date after your account anniversary, and the 12 monthly billing cycles after that each year. Annually, the first $50 in Chase Travel hotel purchases will not earn rewards points. Statement credit(s) will appear on your monthly credit card billing statement within 1-2 billing cycles after your purchase posts to your account.

Earning Points: Rewards Program Agreement: For more information about the Chase Sapphire Preferred rewards program, view the latest Rewards Program Agreement (PDF) Opens in a new window . We will mail your Rewards Program Agreement once your account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.com/ultimaterewards Opens in a new window . How you can earn points: You'll earn points on purchases of products and services, minus returns or refunds, made with a Chase Sapphire Preferred credit card by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count and won't earn points: hotel accommodation purchases through Chase Travel that qualify for the $50 Annual Chase Travel Hotel Credit, balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 2 points ("2X points") on travel purchases: You'll earn 2 points for each $1 spent on purchases made in the travel category. 5 points ("5X points") on Chase Travel purchases: You'll earn 5 points total for each $1 spent on purchases made using your card through Chase Travel (3 additional points on top of the 2 points earned on each purchase in the travel category). Any hotel accommodation purchases made using your card through Chase Travel that qualify for the $50 Annual Chase Travel Hotel Credit, won't earn points. "$50 Annual Chase Travel Hotel Credit" means the statement credit that is automatically applied to your account annually on hotel accommodation purchases made using your card through Chase Travel, up to an annual maximum accumulation of $50. "Annually" means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year. 3 points ("3X points"): You'll earn 3 points for each $1 spent on purchases in the following rewards categories: dining at restaurants including takeout and eligible delivery services; select streaming services; online grocery (excluding Target ® , Walmart ® and wholesale clubs). 1 point ("1X points"): You'll earn 1 point for each $1 spent on all other purchases. 10% anniversary points bonus: Each account anniversary year, you'll earn bonus points that equal 10% of your total spend in points from purchases made with your credit card during the previous account anniversary year at a rate of 1 point for each $1 spent. "Account anniversary year" means the year beginning with your account open date through the anniversary of your account open date, and each 12 months after that. 5 total points ("5X points") on qualifying Lyft rides through 03/2025: You'll earn an additional 3 points for each $1 spent when your card is used for qualifying Lyft products and services purchased through the Lyft mobile application through 03/31/2025. Qualifying Lyft products and services include rides taken in Classic, Shared, Lux, or XL modes; bike and scooter rides; and subscription and membership products. Purchase of gift cards, car rentals, vehicle service centers, miscellaneous fees and other Lyft products and services are excluded from this promotion. Future Lyft products or services may not be eligible for additional points. You may see "5X" in marketing materials to refer to the 3 points in addition to the 2 points earned on travel purchases (see above). The additional 3 points will appear on your billing statement in a separate line from the 2 points. Lyft is not responsible for the provision of, or the failure to provide, Chase benefits or services. How you can use your points: You can use your points to redeem for any available reward options, including cash, gift cards, travel, and pay with points for products or services made available through the program or directly from third parties. Redemption values for reward options vary. Points expiration/losing points: Your points don't expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. Rewards Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see chase.com/RewardsCategoryFAQs Opens in a new window .

Third-Party Merchants: The listed merchant(s) are in no way affiliated with Chase, nor are the listed merchant(s) considered sponsors or co-sponsors of this program. All trademarks are the property of their respective owner(s).

25% More Through Chase Ultimate Rewards: When you use points to redeem for cash, each point is worth $.01 (one cent), which means that 100 points equals $1 in redemption value. Each point you redeem for travel booked through Chase Travel is worth $.0125 (one and a quarter cents), which means that 100 points equals $1.25 in redemption value, and points are worth 25% more than if redeemed for cash. For example, 60,000 points are worth $750 when redeemed for travel purchases, or $600 when redeemed for cash. If you choose to use points and your Chase Sapphire Preferred credit card to pay for your purchase, each point will be worth $.0125, but your credit card will be charged the full remaining dollar amount.

My Chase Plan Eligible Purchase: An eligible purchase transaction for My Chase Plan is a purchase of at least $100, but may not include certain transactions, such as (a) cash-like transactions, (b) any fees owed to us, including Annual Membership Fees, and (c) purchases made under a separate promotion or special finance program. Eligible purchases will be identified within your transaction history on chase.com Opens in a new window or the Chase Mobile App.

Complimentary DashPass: You and your authorized user(s) will receive at least 12 months of complimentary DashPass for use on both the DoorDash and Caviar applications during the same membership period based on the first activation date, when the membership is activated with a Chase Sapphire Preferred card by 12/31/2024. Membership period for all users on this Chase Sapphire account will begin and end based on when the first user activates the membership on DoorDash or Caviar. The same login credentials must be used on DoorDash and Caviar in order for the DashPass benefit to be used on both applications. To receive the membership benefits, the primary cardmember and authorized user(s) must first add their Chase Sapphire card as a default payment method on DoorDash or Caviar, and then click the activation button. Once enrolled in DashPass, you must use your Chase Sapphire card for payment at checkout for DashPass-eligible orders to receive DashPass benefits. Benefits of DashPass include no delivery fee on orders above the minimum subtotal (as stated in the DoorDash and Caviar apps and sites) from DashPass eligible merchants (amounts subject to change). However, other fees (including service fee), taxes, and gratuity on orders may still apply. Current value of the DashPass membership is as of 04/01/2022. DashPass orders are subject to delivery driver and geographic availability. Membership must be activated with a United States address. Payment through third-party payment accounts, or online or mobile digital wallets (like Apple Pay and Google Pay), or memberships purchased through third parties are excluded from this offer. Mobile applications, websites and other information provided by DoorDash or Caviar are not within Chase's control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, DoorDash or Caviar benefits and services. If you product change to another Chase credit card eligible for a DashPass membership during the promotional period, your DashPass benefits may change. You may experience a delay in updating your applicable DashPass benefits on DoorDash or Caviar; please note, once you product trade, the benefits from your previous credit card are no longer available for your use. You can only access the benefits available with your current credit card. Your Chase Sapphire account must be open and not in default to maintain membership benefits. See full DoorDash terms and conditions at: https://help.doordash.com/consumers/s/article/offer-terms-conditions?language=en_US .

All deliveries subject to availability. Must have or create a valid DoorDash account. Qualifying orders containing alcohol will be charged a $0.01 Delivery Fee. No cash value. Non-transferable. See full terms and conditions at: help.doordash.com/consumers/s/article/offer-terms-conditions .

Complimentary Instacart+ Membership: You will receive one complimentary Instacart+ membership per eligible card account for 6 months (for Chase Sapphire Preferred and Chase Sapphire cardmembers) when the membership is activated on http://www.instacart.com/chase with an eligible card between 6/15/2022 and 7/31/2024. ("You" and "your" mean you as the primary cardmember or any authorized user, depending on which user activates first). This offer is non-transferrable. Membership must be activated with a United States address. Payment through third-party payment accounts, or online or mobile digital wallets (like Apple Pay and Google Pay), or memberships purchased through third parties are excluded from this offer. Benefits of Instacart's membership include no delivery fee on orders that total over $35 (amount subject to change – see Instacart.com for current minimum); however, other fees, taxes, and/or tips may apply. Delivery subject to availability. If you do not currently have a paid or trial Instacart+ membership, by activating your Instacart+ membership, you agree to the Instacart+ Terms and you agree that after the complimentary Instacart+ membership period ends, you will be automatically enrolled in an annual Instacart+ membership and billed at $99/year or the then current annual Instacart+ membership rate for each membership activated, unless you have not placed any orders or you cancel during your complimentary Instacart+ membership period. If you currently have a paid or trial Instacart+ membership, you agree that your existing membership will be paused for the duration of this benefit and resume upon expiration. Your existing membership will automatically renew based on the Instacart+ Terms previously agreed upon unless you cancel. Your membership fees will be billed to any active payment method on file until you cancel. You can cancel your Instacart+ membership prior to the end of your complimentary Instacart+ membership period or at any time thereafter by selecting "Cancel Membership" in your Account Settings. Cancellation goes into effect during the next billing cycle. You may cancel within the first 15 calendar days of your paid Instacart+ membership and receive a refund of the Instacart+ membership fee you paid, but only if you have not placed any orders using your Instacart+ membership. If you change to another Chase credit card during the promotional period, your benefits may change. Mobile applications, websites and other information provided by Instacart are not within Chase's control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, Instacart benefits and services. Your complimentary membership benefits may be removed if your eligible credit card account is closed or in default.

Statement Credit on Instacart Purchases: Earn up to $15 per calendar quarter (for Chase Sapphire Preferred and Chase Sapphire cardmembers) in statement credits on qualifying Instacart purchases from 8/1/2022 through 7/31/2024 when you activate a complimentary Chase Instacart+ membership on Instacart.com/chase with your eligible Chase credit card. Calendar quarters are Jan – March, April – June, July – September, October – December, and the partial calendar quarters at the beginning and end of the promotional period. You can check the status of your enrollment in the Chase benefit within the Instacart+ section of the Instacart mobile app. You will continue to receive statement credit benefits regardless of whether you choose to renew your Instacart+ membership at the end of your complimentary period. Qualifying Instacart purchases include only those orders purchased by you, or an authorized user, with a Chase Sapphire Preferred credit card through Instacart.com or the Instacart mobile application (gift cards excluded). Statement credit(s) will post to your account within 48 hours of your qualifying Instacart purchase posting to your account and will appear on your monthly credit card billing statement within 1-2 billing cycles. Statement credits will be issued for the calendar quarter in which the transaction posts to your account. For example, if you pay for an Instacart order, but Instacart does not post the transaction until after the current calendar quarter ends, the cost of the Instacart purchase will be allocated towards the next calendar quarter's maximum, or will not qualify if the promotional period has ended. If you change to another Chase credit card during the promotional period, your benefits may change. Mobile applications, websites and other information provided by Instacart are not within Chase's control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, Instacart benefits and services. Accounts must be open and not in default at the time the statement credit posts to your account.

Earn 10 or 5 total points ("10X or 5X total points") on Peloton equipment and accessory purchases through 03/31/2025: You'll earn a total of 10 (Sapphire Reserve or J.P. Morgan Reserve) or 5 (Sapphire Preferred) points for each $1 spent on up to $5,000 in total purchases when your card is used for Peloton equipment and accessory purchases over $150 through Peloton from 02/01/2023 through 03/31/2025. That's 9 (Sapphire Reserve or J.P. Morgan Reserve) or 4 (Sapphire Preferred) points on top of the 1 point you already earn on these purchases with your card. Only purchases made directly through Peloton – through onepeloton.com , over the phone, or in a Peloton showroom – are eligible. Purchases made outside the U.S. are not eligible. Gift cards, and apparel are not eligible. Points earned on the purchase of Peloton equipment and accessory purchases will be deducted from the cardmember's account if the order is cancelled or returned. Purchases must post to your account by the last day of the promotional period to qualify. Sometimes your card will be charged on a date after you make a purchase, such as the shipping date, and as a result the purchase may not post to your account until after the last day of the promotional period. Please allow 6 to 8 weeks after qualifying purchases post to your account for points to post to your account. To qualify for this bonus offer, account must be open and not in default at the time of fulfillment. This bonus offer is non-transferable.

Chase Mobile App: Chase Mobile ® app is available for select mobile devices. Message and data rates may apply.

Chase Sapphire Preferred Card named "Best All-Purpose Travel Rewards Credit Card" by NerdWallet writers and editors. Source: NerdWallet's "Best-Of Awards 2024," January 2024. NerdWallet is paid a fee for each approved Chase Sapphire Preferred credit card account referred through its site, however NerdWallet editorial team members are solely responsible for creating all product reviews and ratings, and these assessments reflect their opinions alone. Chase does not exercise any editorial control over their credit card awards or reviews, the opinions expressed are their own.

Chase Sapphire Preferred voted "Best Travel Rewards Credit Card" by readers of The Points Guy. Source: The TPG Awards, November 2023. The Points Guy is paid a fee for each approved Chase Sapphire Preferred account referred through its site. Chase does not exercise any editorial control over TPG credit card reviews.

Chase Sapphire Preferred ranked as "Best Entry-Level Travel Card" by Forbes Advisor. Source: The Forbes Advisor Awards, February 2024. Forbes Advisor is paid a fee for each approved Chase Sapphire Preferred account referred through its site. Chase does not exercise any editorial control over Forbes Advisor credit card reviews.

INSTACART ® , the Instacart Carrot logo, the Instacart Partial Carrot logo, and the Instacart Carrot Top logo are trademarks of Maplebear Inc., d/b/a Instacart. Instacart may not be available in all zip or post codes. See Instacart Terms of Service for more details.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

Chase Sapphire Preferred credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offer subject to change.

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Chase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. Please review its terms, privacy and security policies to see how they apply to you. Chase isn't responsible for (and doesn't provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the Chase name.

Chase Sapphire Preferred Card benefits guide

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Key takeaways

The Chase Sapphire Preferred® Card rewards structure makes it easily one of the top travel credit cards on the market.
The card's lucrative sign-up bonus only adds to the allure for cardholders who are interested in a top travel rewards card.
Other perks, like a hotel credit, trip insurance and no foreign transaction fees, as well as the card's comparatively modest annual fee, also make it worth consideration.

The Chase Sapphire Preferred® Card is easily one of the top travel credit cards on the market today thanks to its ongoing rewards structure, first-year welcome bonus and wealth of perks.

This Chase credit card comes with a sign-up bonus of 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. And in terms of ongoing rewards, cardholders earn 5X points on travel purchased through Chase Ultimate Rewards and Lyft Rides (Lyft offer through March 2025); 3X points on dining (including eligible delivery services), select streaming services and online grocery purchases (excluding Target, Walmart and wholesale clubs); 2X points on general travel; and 1X points on everything else.

With the Chase Sapphire Preferred, you have the option to redeem your rewards for cash back, statement credits, merchandise and gift cards. You can also redeem rewards for travel through the Chase Ultimate Rewards portal, which gives you 25 percent more value from your points. In addition, this card lets you transfer points to popular Chase airline and hotel partners like United MileagePlus, Southwest Rapid Rewards and Marriott Bonvoy at a 1:1 ratio.

Chase Sapphire Preferred annual benefits

$50 hotel credit.

You’ll receive $50 in statement credits each year for hotel stays purchased through Chase Ultimate Rewards.

10% anniversary point bonus

Each account anniversary, cardmembers will automatically earn bonus points equal to 10 percent of the total spend in points made in the previous year.

Chase Sapphire Preferred travel benefits

No foreign transaction fees.

You won’t be charged foreign transaction fees on purchases made outside of the United States.

Auto rental collision damage waiver

This is secondary coverage good for up to the actual cash value of a vehicle for most rental cars within the U.S. and abroad.

Trip cancellation and interruption insurance

If your trip is canceled or interrupted for covered reasons beyond your control, trip cancellation and interruption insurance can reimburse you in amounts up to $10,000 per person and up to $20,000 per trip.

The cardholder and immediate family members are covered by this perk, and the cardholder doesn’t even have to be traveling in order to use this coverage. However, you do have to pay for any prepaid travel expenses with your Chase Sapphire Preferred card to qualify for this perk.

Baggage delay insurance

It’s never fun to arrive at a destination without your luggage, leaving you with no choice but to purchase clothing, toiletries and other essential supplies. The baggage delay insurance this card offers reimburses you up to $100 per day for up to five days when a baggage delay of at least six hours occurs.

You must pay for your travel expenses with a common carrier using your Chase Sapphire Preferred card for this coverage to apply.

Trip delay reimbursement

If your trip is delayed for a covered reason that’s beyond your control, such as your flight being delayed once you’re already at the airport, you can qualify for coverage for unreimbursed expenses in amounts up to $500 per ticket. The delay must be for more than 12 hours or require an overnight stay. Note, this reimbursement is mostly intended for meals and lodging.

Like other Chase Sapphire benefits, you have to pay for travel expenses with a common carrier using your card for this coverage to apply.

Additional Chase Sapphire Preferred benefits

Complimentary dashpass subscription.

Sapphire Preferred cardholders get complimentary access to DoorDash DashPass, which means no delivery fees and lower service fees on eligible orders for a minimum of one year, when you activate by Dec. 31, 2024.

Purchase protection

The Sapphire Preferred comes with purchase protection against damage or theft that can reimburse you when a covered item you purchased needs repair or replacement within the defined coverage timeline of 120 days. This coverage caps out at $500 per claim and $50,000 per account.

Note that this protection is good for items purchased by the cardholder and for items purchased by the cardholder but gifted to someone else.

Extended warranties

Finally, don’t forget about the Chase Sapphire Preferred’s extended warranty protection, which adds another year to the U.S. manufacturer’s warranty on eligible warranties of three years or less. This coverage is good for items that come with a standard manufacturer’s warranty to begin with, and you must pay for the item using your credit card for the extended warranty to apply.

The warranty amount is good for up to $10,000 in coverage per claim and up to $50,000 per account.

The bottom line

It’s easy to see why the Chase Sapphire Preferred is considered one of the best travel credit cards . If you’re interested in a rewards card that offers plenty of valuable benefits for a modest annual fee, the Sapphire Preferred is a good pick.

Before you decide, be sure to compare it to other Chase rewards cards that offer similar cardholder perks and benefits. For example, the Chase Sapphire Reserve® offers even more types of coverage and perks compared to the Chase Sapphire Preferred , just for a higher annual fee.

Make sure to evaluate the pros and cons of each card, as well as the overall requirements and benefits you may qualify for, before you decide which option is right for you.

Why I love the Chase Sapphire Preferred Card

Young couple smiling and kayaking on a lake

How the Chase Sapphire Preferred pays for itself

father and daughter hiking in the mountains

Bank of America Premium Rewards credit card vs. Chase Sapphire Preferred

Is the Chase Sapphire Preferred worth it?

Chase Sapphire Preferred Credit Card Review

Chase SAPPHIRE Preferred(Registered Trademark). Guide to Benefits.

UNDERSTAND YOUR BENEFITS

Your Guide to Benefits has what you need to know about the travel and purchase protection benefits that come with your card* - what's covered, not covered, and how to file a claim.

* Certain restrictions, limitations, and exclusions apply. Please see your Guide to Benefits for details.

Which purchases count as travel with Chase Sapphire Preferred and Chase Sapphire Reserve?

Editor's Note

Thanks to its plethora of premium travel perks, the Chase Sapphire Reserve is well-known in the travel credit card space. The Chase Sapphire Preferred is the Sapphire Reserve's mid-tier sibling that features a $95 annual fee — which is also the more affordable card considering the Reserve's annual fee is $550 — and remains a top pick, winning Best Travel Rewards Credit Card for the sixth straight year at the 2023 TPG Awards .

No matter which Sapphire card you have, Chase clearly defines what counts as travel. Both cards generously award for travel booked through the Ultimate Rewards portal and all other travel purchases.

We'll go over the purchases that count (and don't count) toward earning bonus points in this guide.

How many points do the Chase Sapphire Reserve and Preferred cards earn on travel?

The Chase Sapphire Reserve awards 10 points per dollar on hotels and car rentals booked through the Ultimate Rewards portal and 5 points per dollar on flights booked through the Ultimate Rewards portal.

But suppose you're looking to book directly with the airline, hotel or another company or get awarded for other travel purchases like taxi rides and parking fees. In that case, you'll still earn 3 points per dollar on these purchases.

The Sapphire Preferred earns 5 points per dollar on all travel purchases booked through the Ultimate Rewards portal and 2 points per dollar on other travel purchases.

You'll also earn a boosted rate of 10 and 5 points per dollar spent on Lyft rides on the Reserve and Preferred, respectively (through March 2025).

'Travel,' according to Chase

The Ultimate Rewards portal is powered by Expedia , allowing you to book various types of travel. For "all other travel purchases," here's how Chase defines it:

Merchants in the travel category include airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages.

Compared to bonus categories from other credit cards, Chase's travel category is extremely generous.

While cards such as the American Express® Gold Card and The Platinum Card® from American Express offer bonus points for airfare purchases made directly with the airline (with a spending cap of $500,000 on the Amex Platinum per calendar year), the Sapphire Preferred and Reserve cards let you earn a bonus on virtually every trip-related charge.

The travel category encompasses a wide variety of purchases, from hotels and airfare (which doesn't have to be booked directly with the airline) to cruises, tolls and even parking fees. Uber and Airbnb purchases count as travel as well.

The following purchases do not apply toward the 2 or 3 points per dollar bonus categories on these cards, but most of them shouldn't be a huge surprise or disappointment:

Some merchants that provide transportation and travel-related services are not included in this category; for example, real estate agents, educational merchants arranging travel, in-flight goods and services, on-board cruise line goods and services, sightseeing activities, excursions, tourist attractions, RV and boat rentals, merchants within hotels and airports, public campgrounds and merchants that rent vehicles for the purpose of hauling. Purchases from gift card merchants or merchants that sell points or miles will not qualify in the travel category.

A few notable travel-related charges that have not been posted as travel for the purposes of bonus points with Chase for TPG staffers in the recent past include an RV rental as well as some vacation rentals via Vrbo and similar services. Whether a vacation home rental automatically codes as travel depends on whether an individual or a conglomerate operates it. In the latter case, that charge may code as "professional services" instead of travel.

If you're ever unsure whether a given purchase counts as travel, it could be worth making a small charge and checking whether it earns any bonus points on your online Chase account.

Additionally, suppose you feel like a travel purchase should have earned bonus points but didn't. In that case, you can always try calling or secure messaging Chase and requesting consideration for that charge to be awarded points as a travel charge. Even if you don't get the outcome you're looking for, you'll at least get some clarity on how certain charges are coded and can plan future spending accordingly.

What does Chase typically count as travel purchases?

Campgrounds
Car rental agencies (excludes RV and boat rentals)
Cruise lines
Discount travel sites
Parking lots and garages
Passenger trains
Toll bridges and highways
Travel agencies
Vacation rentals (including some VRBO rentals operated by an individual )

What does Chase typically not count as travel purchases?

Educational merchants arranging travel
Gift card merchants
Inflight goods and services
Merchants that rent vehicles for the purpose of hauling
Merchants within hotels and airports
Onboard cruise line goods and services
Purchasing points or miles
Public campgrounds
Real estate agents
RV and boat rentals
Sightseeing activities
Tourist attractions
Vacation rentals ( some VRBO rentals operated by a conglomerate rather than an individual )

Bottom line

Cardholders of the Chase Sapphire Reserve and Chase Sapphire Preferred have plenty of opportunities to earn 3 or 2 points per dollar spent, respectively, on "other travel purchases." Based on TPG's valuations , that means you could be getting a return of up to 6.1% on these purchases, and you can put your points to use with Chase's airline and hotel partners .

On top of that, these Chase cards have some of the most generous travel and purchase protections on the market, making either card a valuable addition to your wallet.

Apply here: Chase Sapphire Reserve with a 60,000-point sign-up bonus after you spend $4,000 in the first three months of account opening Apply here: Chase Sapphire Preferred with a 60,000-point sign-up bonus after you spend $4,000 in the first three months of account opening

Is The Chase Sapphire Preferred Worth It?

T he Chase Sapphire PreferredÂ® Card * has long been one of the best travel credit cards on the market. But with many other valuable cards to choose from, does it deserve a place in your wallet? It still has one of the most versatile rewards programs available, but depending on your travel habits, it may not live up to your expectations.

Those who want a huge welcome bonus.

When you first open the card, eligible applicants will earn . This welcome offer may be worth even more if you transfer them to one of the Ultimate Rewards program's travel transfer partners.

Those Who Want To Maximize Ongoing Rewards

The Sapphire Preferred may also be a good fit for people who spend a lot in its various bonus rewards spending categories. On an ongoing basis, cardholders earn:

5 points per dollar on Lyft rides through Mar. 31, 2025.

The Ultimate Rewards program offers a variety of ways to redeem your rewards. Cardholders can get 1.25 cents per point in value if they use their rewards to book travel through Ultimate Rewards.

Alternatively, they can get up to 1 cent per point in value for cash back, gift cards, select products, dining and more.

But if you're looking to squeeze as much value out of each point as possible, your best bet is to either redeem them for travel through Chase or to transfer them to one of the program's partners, which we will discuss next.

Those Who Want Access to Travel Partners

Sapphire Preferred cardholders can transfer their Ultimate Rewards points to one of the program's partners at a 1:1 ratio. Options include:

British Airways
Air France/KLM
Singapore Airlines
Southwest Airlines
United Airlines
Virgin Atlantic

Depending on the partner and how you redeem your rewards, you could get more or less than the 1.25 cent-per-point maximum with Chase. The value of your points or miles will be based on a variety of factors, including the specific itinerary or property, travel dates, cash value of the redemption and more.

If you're thinking about booking a hotel stay with Hyatt, for instance, visit the hotel brand's website and enter your travel dates for the property you're eyeing. You can find the redemption value by dividing the cash price by the number of points required to book the stay.

If a stay costs $150 or 8,000 points, you're getting 1.87 cents per point, which is better than the 1.25 cents per point you'd get if you booked that stay through Chase. Learning how to maximize rewards in this way can be time-consuming but it can also help you receive a lot more value from the points that you earn.

Those Who Want Extra Perks

Depending on how you use your card, you may be able to get enough value from its benefits alone to make up for its $95 annual fee. Here's what to expect:

Up to $50 in statement credits each account anniversary year for hotel stays booked through Chase
Complimentary DoorDash DashPass subscription for at least one year when you activate by Dec. 31, 2024
A $10 monthly statement credit on Gopuff orders through Dec. 31, 2023
Complimentary six-month Instacart+ membership plus $15 per quarter in statement credits on Instacart orders
Trip cancellation and interruption insurance
Primary auto rental collision damage waiver
Baggage delay insurance
Trip delay reimbursement
Travel and emergency assistance services
Purchase protection
Extended warranty protection

Those Who Want to Avoid a High Annual Fee

Finally, since the Chase Sapphire PreferredÂ® Card * has a modest annual fee compared to some of the other top travel credit cards out there, it could be a good fit if you're on a budget or you have a hard time stomaching a yearly charge of hundreds of dollars.

Read More: Chase Sapphire Preferred Benefits

Alternatives to the Chase Sapphire Preferred

If you're not certain that the Chase Sapphire PreferredÂ® Card * is the right fit for you, here are some other potential options to consider.

Chase Sapphire ReserveÂ®

The Chase Sapphire ReserveÂ® takes things up a notch in both the rewards and benefits departments, but also charges a $550 annual fee. Here's a quick breakdown of what the card offers:

Redemption value of 1.5 cents per point on travel booked through Chase and on statement credits in select categories
A $300 annual travel credit
Complimentary access to more than 1,300 airport lounges around the world with Priority Pass Select
A statement credit toward application for TSA PreCheck, Global Entry or NEXUS
Increased partner benefits with Lyft, DoorDash and Instacart
Enhanced travel and purchase coverages beyond what the Chase Sapphire PreferredÂ® Card offers

The Sapphire Reserve's feature set makes it worthwhile mostly for serious travelers, especially those who fly often enough to derive solid value from the card's airport perks. But if you only travel once or twice per year or if road tripping is more your style, you may earn more everyday rewards from the Sapphire Preferred while paying a lower annual fee.

Read More: Chase Sapphire Preferred vs. Chase Sapphire Reserve

Capital One Venture X Rewards Credit Card

If you want to earn bonus miles on every purchase while also accessing premium perks, the Capital One Venture X Rewards Credit Card is a solid choice. The card does charge a $395 annual fee, but offers enough value to make up for it in benefits alone. Here's some of the highlights of what it offers:

10,000-mile bonus every year starting on your first anniversary
$300 annual travel statement credit for bookings through Capital One Travel
Complimentary access to Priority Pass Select and Plaza Premium Lounges, as well as to Capital One lounges
Access to exclusive restaurants and culinary experiences through Capital One Dining
Statement credit toward application for TSA PreCheck or Global Entry
Ability to redeem points for travel through Capital One's travel portal or by booking directly with airlines, hotels or rental car companies and requesting a statement credit
Miles earned can be transferred to more than 15 travel partners

If you value simplicity, you may appreciate the flat-rate earnings structure of the Capital One Venture X Rewards Credit Card. But you could ultimately earn more from the Sapphire Preferred if you have high spending in its bonus categories.

Read More: Chase Sapphire Preferred vs. Capital One Venture X

The Platinum CardÂ® from American Express

For those who are okay with paying a steep fee in exchange for a mountain of luxury benefits and statement credits, The Platinum CardÂ® from American Express (terms apply, see rates & fees ) can certainly deliver. Here's what you'll get as a cardholder:

Receive $200 in statement credits per year on prepaid Fine Hotels + ResortsÂ® or The Hotel Collection bookings with American Express Travel when you pay with the Platinum CardÂ®
Receive up to $20 in statement credits each month when you pay for eligible purchases with the Platinum CardÂ® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, The New York Times and other participating providers
Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card
Access to several lounge networks including the Centurion Lounges, Priority Pass lounges, Plaza Premium lounges and more
Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the card
Get Uber VIP status and receive up to $200 in Uber savings on rides or eats orders in the U.S. annually.
Receive up to $300 back each year on an Equinox+ subscription or any Equinox club membership when you pay with your Amex Platinum.
Receive up to $189 back per year on CLEARÂ® Plus Membership when you use your card

For frequent travelers, The Platinum CardÂ® from American Express provides a bevy of benefits that's difficult for other rewards cards to match. But it's important to verify that you'll actually use enough of the available credits to earn back the card's annual fee. If several of the Platinum's benefits would go unused, you may actually obtain more value from the lower-cost Sapphire Preferred.

Bottom Line: Is the Chase Sapphire Preferred Worth It?

In addition to attractive bonus spending categories, the Chase Sapphire PreferredÂ® Card * provides a lot of value on the redemption side through the Chase Ultimate RewardsÂ® program and comes loaded with a respectable number of extra protections and partner benefits. But depending on your travel goals, preferences and spending habits, it might not be the right fit.

It's always a good idea to ask if a card is worth its annual fee, and the Chase Sapphire PreferredÂ® Card * is no exception. Be sure to calculate your expected return before hitting that apply button. If you can utilize the card's rewards and benefits more than the $95 annual fee, then you can rest easy knowing that you've chosen a card that works for you.

To view rates and fees for The Platinum CardÂ® from American Express please visit this page .

Frequently Asked Questions (FAQs)

How do i get approved for the chase sapphire preferred.

We estimate good or excellent credit is required for a customer to receive approval for the Chase Sapphire PreferredÂ®. According to FICO, good credit means a credit score of 670 or above. Be sure to check your credit score before you apply to gauge your approval odds. Note that Chase will also consider other factors, including your income, credit history, recent inquiries and more. If you've opened five or more credit cards in the last 24 months, you likely won't get approved for the card due to the 5/24 rule .

How do I downgrade the Chase Sapphire Preferred?

If you decide that the Chase Sapphire PreferredÂ® Card * isn't the right card for you, but you don't want to close the account for credit purposes , you may be able to downgrade your account to the Chase Freedom Flexâ * or Chase Freedom UnlimitedÂ® . Contact Chase directly by calling the number on the back of your card to see if you're eligible.

How long does it take for the Chase Sapphire Preferred Card to arrive?

After you've been approved, you should receive your new card in the mail within seven to 10 business days. That said, Chase allows new cardholders to start using their account instantly if they add it to their digital wallet, including Apple Pay, Google Pay and Samsung Pay.

How do I upgrade the Chase Sapphire Preferred to the Sapphire Reserve?

If you have the Chase Sapphire PreferredÂ® Card * but want to take advantage of the Sapphire ReserveÂ®âs enhanced rewards and benefits, you may be able to upgrade your account by calling the number on the back of your card. Keep in mind, though, that if you upgrade, you won't be eligible to receive the welcome bonus on your Chase Sapphire ReserveÂ®. If you want that, you'll need to cancel your Chase Sapphire ReserveÂ® and wait at least 48 months since you first earned that card's welcome bonus.

How much do you have to spend to make the Chase Sapphire Preferred worth it?

Like many travel rewards credit cards, the Chase Sapphire PreferredÂ® Card * offers enough value through its benefits that if you use many of them, you technically don't need to make up for its annual fee through rewards.

That said, if you aren't sure you'll use any of the ancillary benefits you'd have to spend at least $7,600 to $9,500 (depending on how you redeem your rewards) in non-bonused spending each year to break even with the annual fee. If you utilize the card's bonus earning categories, the spending requirement goes down considerably.

Is The Chase Sapphire Preferred Worth It?

What you need to know about the Wells Fargo Autograph Journey Visa Card

How other travel cards compare to the Wells Fargo Autograph Journey℠ Visa® Card
4 important details about the Autograph Journey

The Chase Sapphire Preferred Could Lose Its Crown to This Wells Fargo Travel Card

The newest Wells Fargo card comes up short in a few areas, but that could change soon.

Holly Johnson

Contributor

Holly Johnson is a credit card expert and writer who covers rewards and loyalty programs, budgeting, and all things personal finance. In addition to writing for publications like Bankrate, CreditCards.com, Forbes Advisor and Investopedia, Johnson owns Club Thrifty and is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You'll Love."

Tiffany Connors

Tiffany Wendeln Connors is a senior editor for CNET Money with a focus on credit cards. Previously, she covered personal finance topics as a writer and editor at The Penny Hoarder. She is passionate about helping people make the best money decisions for themselves and their families. She graduated from Bowling Green State University with a bachelor's degree in journalism and has been a writer and editor for publications including the New York Post, Women's Running magazine and Soap Opera Digest. When she isn't working, you can find her enjoying life in St. Petersburg, Florida, with her husband, daughter and a very needy dog.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

The Wells Fargo Autograph Journey℠ Visa® Card* -- Wells Fargo’s latest and best travel card -- recently launched with an impressive set of features. Its competitive rewards, welcome bonus and redemption options take aim at incumbent travel credit cards from Chase, American Express and Capital One.

What gives Wells Fargo’s first foray into the point-transfer space an edge is that you don’t have to book travel in a portal to earn the highest rewards rates.

Here’s why we think the Wells Fargo Autograph Journey could go toe-to-toe with some of the best travel credit cards, plus four insider tips to help you decide if you should add it to your credit card lineup.

Before we dive into the hidden features and benefits, here’s an overview of what you can expect with the Autograph Journey:

Earn 60,000 welcome bonus rewards points after spending $4,000 in purchases within three months of account opening.
Earn unlimited 5x points on hotels, 4x points on airlines, 3x points on other travel and dining and 1x on other purchases.
Receive an annual statement credit with a $50 minimum airline purchase.
No foreign transaction fees.
Other benefits include trip cancellation and interruption insurance, lost luggage reimbursement, roadside dispatch and cell phone insurance.
$95 annual fee.

How other travel cards compare to the Wells Fargo Autograph Journey℠ Visa® Card

Chase Sapphire Preferred® Card

Capital One Venture X Rewards Credit Card

Capital One Venture Rewards Credit Card

4 important details about the autograph journey .

Here’s a rundown of four facts we discovered about the Autograph Journey that you should know when deciding whether to apply.

1. You can transfer points with Wells Fargo point-based cards

The launch of the Autograph Journey also marks the first transferable points program from Wells Fargo, which joins other card issuers like Chase and Capital One, which have their own pooling programs .

Autograph Journey will be able to do a points transfer with the no-annual-fee Wells Fargo Autograph℠ Card . This is especially notable since the Wells Fargo Autograph℠ Card offers bonus rewards in different categories than the Autograph Journey.

For example, the Autograph card earns unlimited 3x points on restaurants, travel, gas stations, transit, popular streaming services and phone plans, plus 1x points on other purchases. So you can maximize your point earning across different categories, then transfer your points to your Autograph Journey account to access premium travel redemptions.

2. It offers more options for earning bonus miles on travel than some competitors

The Autograph Journey will offer more flexibility than many travel rewards cards when it comes to earning more points on travel purchases. For example, cardholders earn unlimited 5x points on hotels booked directly with hotel brands and 4x points on airfare booked with airlines.

This helps the card stand out from other popular travel credit cards that offer the most bonus points only if you book travel through their portals. For example, the Capital One Venture Rewards Credit Card * and the Capital One Venture X Rewards Credit Card * only offer the highest bonus rewards on travel booked through Capital One Travel. The Chase Sapphire Preferred® Card also offers its highest rate of 5x points on travel booked through Chase Travel℠, whereas other travel purchases earn 2x points.

Autograph Journey cardholders also earn a minimum of 3x points on other travel purchases, which could include rental cars, cruises and travel booked through online travel agencies like Expedia and Priceline.

3. The card may grow in value as more transfer partners join

The Autograph Journey Card will earn flexible travel rewards points that transfer to a selection of airline and hotel partners, similar to Amex Membership Rewards points or Chase Ultimate Rewards . While the list of transfer partners is limited, Wells Fargo stated in its initial press release that “more partners will continue to be added throughout the year.”

Points transfers could dramatically change the value proposition of the Autograph Journey, especially if new partners include domestic airlines and popular hotel loyalty programs.

Wells Fargo point transfers will be available to new cardholders starting on April 4. For now, Wells Fargo transfer partners include the following:

4. You may need to wait to apply

If you’ve applied for another Wells Fargo card in the last six months, you’ll likely have to wait a little longer before applying for the Autograph Journey.

Wells Fargo states in its terms and conditions, “If you opened a Wells Fargo Credit Card account within the last six months, then you may not qualify to open an additional Wells Fargo Credit Card account. We may also limit how many open Wells Fargo Credit Card accounts you have.”

So if you want the new Autograph Journey, you should steer clear of applying for other cards from Wells Fargo for now. If you’re approved and use the card responsibly for six months or longer, you can consider adding additional Wells Fargo credit cards to your portfolio.

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Why I applied for the new Wells Fargo Autograph Journey℠ Visa® Card

Jason Steele

Allie Johnson

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

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Published 10:32 a.m. UTC April 8, 2024

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I love earning travel rewards. For me, the only thing better than taking a great vacation is doing so for free, or very close to it. And as any award travel junkie will tell you, the best kind of rewards don’t come from a single airline or hotel program, they’re flexible points you can transfer to multiple airlines or hotel programs. There are only a handful of credit card issuers that offer these kinds of rewards, and Wells Fargo just joined this exclusive club with its new Wells Fargo Autograph Journey℠ Visa® Card * The information for the Wells Fargo Autograph Journey℠ Visa® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. . When I first heard the details, I decided to apply as soon as the card became available. Here’s why:

Strong rewards for spending

This card offers 60,000 points after spending $4,000 in purchases in the first three months of account opening. That’s decent, but not earth-shattering. What does move the needle is how many rewards points you can earn from your spending. This card features 5 points per $1 on hotels, 4 points per $1 on airlines, 3 points per $1 on other travel and dining and 1 point per $1 on other purchases. For a frequent traveler like myself, this card has serious potential.

Compelling transfer partners, and the promise of more

Cardholders can transfer their Wells Fargo Rewards points to the following airline and hotel programs, most at a 1:1 ratio:

Choice Privileges (1:2 ratio)
Air France-KLM Flying Blue
Avianca Lifemiles
British Airways Executive Club
Aer Lingus AerClub
Iberia Plus

While this is a modest list, Wells Fargo has indicated that more partners will be added throughout the year. But even now, Wells Fargo Rewards points are extremely valuable. For example, you can transfer points to the Choice Privileges program of Choice Hotels at a 1:2 ratio. That means that 10,000 Wells Fargo Rewards points will turn into 20,000 Choice points, which can be a great deal, especially at their high-end hotels in the U.S. and their hotels in Europe.

You can also transfer your card earnings to Avianca Lifemiles, which can be redeemed on flights operated by the airline’s Star Alliance partners such as United, Air Canada, Lufthansa, Swiss and Turkish Airlines. Likewise, the Flying Blue program is great for awards on SkyTeam airlines such as Air France, KLM, Delta Air Lines, Virgin Atlantic and others. And the British Airways Executive Club offers strong value for awards on their Oneworld partners such as American Airlines, Alaska Airlines and Japan Airlines (JAL).

Earning travel rewards is a long game, and by the time I’ve earned enough rewards for a big redemption, I’m hopeful that Wells Fargo might add some additional, valuable transfer partners.

Low annual fee

This card has an annual fee of just $95, which is common among cards of this type, such as the Chase Sapphire Preferred® Card , Capital One Venture Rewards Credit Card * The information for the Capital One Venture Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. and the Citi Premier® Card * The information for the Citi Premier® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. . However, the Wells Fargo Autograph Journey card also comes with a $50 annual statement credit with a $50 minimum airline purchase. You don’t have to purchase the flights from Wells Fargo’s travel agency — any airline should work. For me, that brings the net yearly cost down to just $45, which is very low for a card with these features.

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Chase Sapphire Preferred® Card

Welcome bonus.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s Take

Flexible points that can be transferred to 14 travel partners or redeemed through Chase Travel℠ at 1.25 cents each.
$50 annual statement credit toward Chase Travel hotel bookings.
Valuable travel protections.
$95 annual fee.
Category bonuses are limited and not competitive against other travel cards.
Transfer partner list is limited compared to programs like Amex Membership ® Rewards and Citi ThankYou ® .

Card Details

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
Enjoy beneﬁts such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Member FDIC

Final verdict

I write about credit cards for a living, but I can’t rush out and apply for every new credit card on the market. However, the value proposition for the new Wells Fargo Autograph Journey card is strong enough to make even this veteran credit card journalist take a chance at submitting an application. Thankfully, I was immediately approved, and I’m looking forward to using this card and taking some fun trips with the rewards.

*The information for the Capital One Venture Rewards Credit Card, Citi Premier® Card and Wells Fargo Autograph Journey℠ Visa® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Jason Steele is a freelance writer specializing in credit cards and award travel. Since 2008, Jason's work has appeared in over 100 outlets and he's been widely quoted in the mainstream media. Jason also produces CardCon, which is The Conference for Credit Card Media.

Allie is a journalist with a passion for money tips and advice. She's been writing about personal finance since the Great Recession for online publications such as Bankrate, CreditCards.com, MyWalletJoy and ValuePenguin. She's also written personal finance content for Discover, First Horizon Bank, The Hartford, Travelers and Synovus.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

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I Cut My Hotel Price in Half Using Costco Travel and Still Earned Solid Travel Rewards

Brett Holzhauer

Content Contributor

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I Cut My Hotel Price in Half Using Costco Travel and Still Earned Solid Travel Rewards

Costco Travel Remains a Staple in My Toolbelt

Booking through costco travel, booking through marriott, final thoughts.

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When you’re a seasoned points and miles fan, it can become a ritual to simply book all your flights and hotel directly through the airline or hotel brand. This is typically more beneficial than not, as you earn loyalty status and also get direct customer service if something goes wrong.

But occasionally, I’ve found it to be beneficial to book through Costco Travel. Although I typically use this service for rental cars only, I’ve found some solid value in the last few months by using Costco’s all-in-one travel portal.

Here’s what you need to know about how I saved money through Costco Travel for my upcoming Mexico trip.

It’s shocking to me when I tell people about Costco Travel since many people don’t even know it’s a benefit. While it’s not always the best route to go, it’s a great resource to keep in mind when you’re looking for the best deal for your next trip.

On the platform, you can book hotels, rental cars, cruises, and theme park-related getaways, and you don’t need a membership to look through the website to see the available deals. However, you do need a membership (or a friend with a membership) to book through Costco Travel .

If you find a Costco Travel deal worth booking and aren’t a member, simply ask a friend or family member with a Costco membership for their login. I’ve booked rental cars, cruises, and hotels for friends and family through Costco Travel plenty of times with no issue at all. The entire booking can be in someone else’s name, and if you have an Executive Membership, you will earn 2% back to your yearly membership reward.

Regardless of how or where you travel, Costco Travel is worth playing around with, as there can be some great deals.

How I Saved Money Through Costco Travel

Although I recently wrote about how travel prices really haven’t jumped all that much when adjusted for inflation , seeing larger numbers never sits well psychologically. To add insult to injury, I’ve been pretty “points broke,” so I found myself using cash rather than credit card rewards for my recent travels.

When an opportunity came up to book a nice 5-day getaway in Cancun (a short 1.5-hour flight from Fort Lauderdale, Florida), I jumped right at it. But wow, some of these hotels are charging absurd prices. So I did some digging and found an incredible deal through Costco Travel. Here’s how the numbers shake out for a 5-night stay at the JW Marriott Cancun Resort & Spa and how much it would be if I booked directly through Marriott.

For a 5-night stay for 2 people at the JW Marriott Cancun, I paid $1,905.71, or $381 per night. It was still a bit pricey, but there’s more to take into account.

When booking travel through Costco Travel, you will likely see several promotions or discounts that further incentivize you to book through their portal. And this deal was no different.

For this deal, I’m getting the following perks:

A $112 Costco gift card
Private transportation to and from the airport
$50 daily resort credit during the stay
$50 spa credit

For the sake of this example, I won’t be counting the resort and spa credits, as booking through Marriott offers the same benefit. But I figure that a $112 Costco Gift Card is essentially a cash rebate. And since I have a Costco Executive Membership, I will earn 2% back on the purchase price, or $38 back. So my out-the-door cost for this stay is $1,755 .

For the $1,905 purchase, I used my Ink Business Preferred ® Credit Card , which earns 3x per $1 spent on travel (and select business categories up to the first $150,000 spent each year), netting me 5,715 Chase Ultimate Rewards Points. At a 2 cents per point valuation , that’s an additional $114 in value for my next trip.

The way I see it, I paid $1,755 for this trip and earned some valuable Chase Ultimate Rewards along the way.

Here’s the sticker shock if I were to have booked through Marriott directly for the same room. For the same 5-night stay when booking direct, I would have paid double — $4,036.

This is for the Transportation Package in Cancun , and while it may say $3,315 for the stay, it slyly adds in the government taxes and fees at checkout, bringing the total to just over $4,000.

This package comes with roughly the same benefits that Costco Travel was offering, with resort and spa credits and transportation to and from the airport. However, it doesn’t come with the Costco gift card.

But, if I were to book directly with Marriott, I would earn 10 Marriott Bonvoy points per $1 — earning me 40,360 Marriott points. And if I used my Ink Business Preferred card for this purchase as well, I would earn 12,108 Chase Ultimate Rewards points. With our points valuation , this would be $282 and $242 in earned value, respectively.

So, with all factors considered, including the rewards I would earn booking the trip, I would have paid $3,512 — double what I paid going through Costco.

The only benefit I would get booking through Marriott and not Costco Travel is earning toward Marriott elite status . But as I rarely stay at Marriott properties and don’t have status, it wasn’t part of my consideration.

Like any purchase you make today, it’s worth shopping around to see if there are better deals out there. Although it may pain you to make a third-party booking where you can’t take advantage of your loyalty status benefits, your wallet will thank you later. With all that money saved, you can definitely afford an extra hot dog on your next trip to Costco.

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About Brett Holzhauer

Brett is a personal finance and travel junkie. Based out of Fort Lauderdale, he’s had over 100 credit cards and earned millions of credit card rewards. He learned the tricks of the trade from his mom, and has taken many steps forward. He wasn’t exposed to much travel as a kid, but now has a goal of reaching 100 countries in his life. In 2019, he sold all of his possessions to become a digital nomad, and he says it was one of the best decisions he ever made. He plans to do it again at some point in his life.

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Here's what the Credit Card Competition Act could do to your airline miles and travel rewards

The Credit Card Competition Act would lower credit card swipe fees.
Major airlines have said that the bill could reduce or completely end travel reward programs.
About 40% of American credit card users have a card that is co-branded with a major airline.

When Jess Bohorquez stayed in a luxury hotel with a view of the Sydney Opera House, she didn't pay a cent.

The influencer and creator of "Points By J," a platform that teaches people tricks for low-cost travel, said she uses credit card points to upgrade her vacations and teaches her audience of over 180,000 Instagram followers to do the same.

Since she started accumulating travel points a few years ago, Bohorquez told Business Insider she's gotten discounted flight upgrades, free hotel stays , and trip insurance through her Chase credit card. She even has access to premium lounges at most airports.

"It gets you hooked once you have that first successful points deduction for free travel," said Bohorquez, adding that it's easy to get perks if you know the rules of your credit card. "It's such an exciting feeling."

However, those perks could be in danger of disappearing. The US credit card market is at a crossroads : Politicians and companies are struggling to compromise on how much card swipe fees should cost, who should get the money, and how all of it will impact consumers.

More than eight in 10 Americans use a credit card to make payments, get cash back, and build credit, according to The Federal Reserve . About 40% of those people have a card that is co-branded with a major airline.

Some lawmakers hope to bring more competition to the market, in hopes of limiting the power of major credit card companies and lowering fees. But airlines and travelers worry it could mean the end of rewards programs .

Major airlines' bottom line depends on credit card companies

The Credit Card Competition Act , which was introduced to Congress in June 2023 would require major banks to use at least one credit card payment network that isn't Mastercard or Visa — companies that control more than 80% of US credit card transactions — to introduce more competition into the credit card market.

Visa and Mastercard currently charge businesses about a 3% transaction fee when a customer uses their credit card. The more people that use a credit card, the more revenue banks and card companies make.

That's where airlines come in.

Airlines make money off selling tickets and offering in-flight purchases. But co-branded credit cards like Chase Sapphire Preferred, Delta SkyMiles, and the United Explorer Card are profit centers for banks and airlines.

Credit card rewards incentivize travelers

Businesses typically make up for these credit card swipe fees by raising prices for customers . In theory, increasing competition and lowering swipe fees would translate into more affordable consumer prices.

This could mean cheaper — or at least more stable — prices for buyers, per NerdWallet .

Bohorquez, however, said increased credit card competition is unlikely to lower prices in practice. Instead, she said business airlines and credit companies will be less incentivized to offer loyalty perks like frequent-flyer miles and fraud protections.

Major airlines have already said the Credit Card Competition Act could end these reward programs. Southwest Airlines said in a statement to BI that it "strongly opposes" the bill.

"This legislation is bad policy and would undermine, if not completely end, credit card rewards programs that millions of Americans rely on for their vacations or personal travel needs," Southwest wrote.

United Airlines referred BI to Airlines for America, a lobbying group that represents the US airline industry. Delta and American Airlines did not respond to BI by the time of publication.

Airlines for America said in a press release from July that airlines believe credit card competition would harm their "ability to reward our most enthusiastic customers' loyalty and putting the viability of these programs at risk."

Still, it's unclear whether the Competition Act will become law. The bill was referred to the Committee on Banking, Housing, and Urban Affairs in July, but hasn't yet been passed by the House or Senate.

Until more movement on the bill occurs, Bohorquez plans to make the most of her rewards.

"I'm not terribly worried about our points going anywhere anytime soon," she said. "I hope that people continue to earn and enjoy their credit card points and take a lot of free trips."

Do you use your credit card for travel rewards? Have you saved money on a vacation by using points? Reach out to this reporter at [email protected] .

Watch: While Delta's business is 'extremely robust,' the airline's marketing chief stays focused on the data

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The Guide to Chase’s Travel Portal

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Table of Contents

Who can use the portal?

Benefits of booking travel in the portal, is chase's travel portal worth using, does chase's travel portal price match, how to use chase's travel portal, what else you need to know, chase travel portal tips, recapped.

Chase's travel portal is one of the best features of having a Chase credit card. Earning Ultimate Rewards® with credit cards like Chase Sapphire Preferred® Card and Chase Sapphire Reserve® can deliver big value if you know how to navigate Chase's travel portal.

Much like third-party booking sites like Orbitz or Expedia , you can use Chase's travel portal to book flights, hotels and cruises, among other things. You can redeem points to offset the cost of the trip or pay in cash. You won’t have to worry about blackout dates or award inventory caps like you may find when using airline miles or hotel points for the same trip since you are essentially buying travel with cash.

Within the portal, you can also redeem points for merchandise or transfer them to other travel loyalty programs if you are short on miles and points there. In short, having a flexible points currency like Chase Ultimate Rewards® is one of the smartest routes you can take in the miles and points game. Booking travel through Chase's travel portal is simple. Here’s what you need to know about the portal.

» Learn more: Chase Ultimate Rewards®: How to earn and use them

Not all Chase cards have the same benefits. Only some cards earn Ultimate Rewards® points; others may earn loyalty miles and points with an affiliated partner. For example, the United℠ Explorer Card earns United MileagePlus miles.

These are examples of cards that earn Chase Ultimate Rewards® and give access to Chase's travel portal:

Chase Sapphire Reserve® .

Chase Sapphire Preferred® Card .

Chase Freedom Unlimited® .

Chase Freedom Flex℠ .

Ink Business Preferred® Credit Card .

Ink Business Cash® Credit Card .

Ink Business Unlimited® Credit Card .

on Chase's website

• 5 points per $1 on travel booked through Chase.

• 3 points per $1 on dining (including eligible delivery services and takeout), select streaming services and online grocery purchases (not including Target, Walmart and wholesale clubs).

• 2 points per $1 on other travel.

• 1 point per $1 on other purchases.

Point value in the travel portal: 1.25 cents apiece.

• 10 points per $1 on Chase Dining, hotel stays and car rentals purchased through Chase.

• 5 points per $1 on air travel purchased through Chase.

• 3 points per $1 on other travel and dining not booked with Chase.

Point value in the travel portal: 1.5 cents apiece.

• In the first year, 6.5% cash back on travel purchased through Chase, 4.5% cash back on drugstores and restaurants, and 3% on all other purchases on up to $20,000 in spending.

• After that, 5% cash back on travel purchased through Chase, 3% cash back at drugstores and restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Point value in the travel portal: 1 cent apiece.

Point value in Chase travel portal: 1 cent apiece.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

» Learn more: The best travel credit cards right now

Earn points on paid reservations

The primary reason you may want to book travel via Chase's travel portal is that you earn Chase Ultimate Rewards® on paid reservations. You can earn 5x points on airfare booked within the portal and 10x points on hotels and car rentals.

That can really add up, but beware that when booking hotels with Chase Ultimate Rewards®, you are not eligible to earn points with the hotel loyalty program or reap elite status benefits since it is using a third-party service. The tradeoff can vary by property, but using Chase's travel portal is especially helpful when booking unaffiliated hotels or hotel brands where you usually do not collect points or have elite status. In those instances, you are less likely to be passing up the perks of points earning and elite status.

Earn points on airfare even for redemptions

When booking airfare through Chase, you do earn miles no matter if you pay with cash or points. This makes using points for airfare via the travel portal more beneficial than redeeming for a hotel.

Earn bonus points for restaurant bookings

You can even earn bonus points when making restaurant bookings through the portal. This can be a great way to enhance your trips with great dining in advance rather than chatting with your hotel concierge.

Shop for the best value redemption

Since the value per Chase Ultimate Rewards® points is relatively constant, using the travel portal may not always be the best option. You may be able to spend fewer points if you book the same trip with the specific airline or hotel's points instead of Chase Ultimate Rewards® points. This is more common with itineraries with high cash prices, like a hotel night that's particularly expensive. Always compare the cost of using traditional miles and points over using Chase points to see which offers better value. In some cases, you may want to transfer Chase points to partner programs to squeeze more value from them.

One example where that could be exceptional value is for expensive business class tickets that also have award availability. Let’s say you’re looking for a United business class ticket between Newark and London. If the cash cost of a one-way ticket is $2,505, that will cost you 250,500 Ultimate Rewards® points when redeeming at a value of one penny per point. In this example, it may be worth redeeming MileagePlus miles instead.

For this flight, the one-way mileage cost is 91,700 miles. Even if you don’t have enough United miles, you could transfer that amount from Chase Ultimate Rewards® (since they are partners), and save yourself a nice chunk of Chase points in the process. It is always best to compare the cash cost with the redemption cost using both Chase and the airline or hotel’s own loyalty program.

» Learn more: The best Chase transfer partners — and the ones to avoid

Chase's travel portal can be worth using in specific scenarios.

Redemptions: You hold the Chase Sapphire Reserve® , the Ink Business Preferred® Credit Card or the Chase Sapphire Preferred® Card and want to make a redemption. The first two cards get an elevated point value of 1.5 cents apiece when redeeming points and booking travel in the portal; the latter gets 1.25 cents apiece.

Bookings. You hold the Chase Sapphire Preferred® Card , the Chase Freedom Unlimited® or the Chase Sapphire Reserve® and want to earn bonus points. The Chase Sapphire Preferred® Card and the Chase Freedom Unlimited® typically earn 5x points per $1 spent on all travel purchased through Chase's travel portal, while the Chase Sapphire Preferred® Card earns 5-10 points per $1 spent on Chase Dining, hotel stays, rental cars and air travel purchased through Chase's travel portal.

Otherwise, you might be wise to book travel directly with the airline, hotel or rental car company, which can simplify cancellations or changes to your bookings. You can do this with cash, card or by transferring points to one of Chase's transfer partners.

» Learn more: The guide to Chase transfer partners

Despite being powered by Expedia — an online travel agency that includes a Price Match Promise — Chase's travel portal does not offer customers a price matching benefit.

Capital One Travel has price drop protection that will advise you when to buy and refund you if the price of your flight drops by a certain amount after purchase.

Once logged into your Chase account, you’ll find a sidebar on the right of the page with your Chase Ultimate Rewards® balance. Once you click on it, it brings up a variety of options for how to spend your points. Choose “travel” to take you to the standard booking page where you can enter your plans for flights, cruises, rental cars, hotels or other activities.

Depending on the card you have, your points are worth between 1-1.5 cents per point. The best value card is the Chase Sapphire Reserve® , which offers 1.5 cents in value per point to redeem through the portal, while the Chase Freedom Unlimited® only values points at a penny per point. This means that Chase determines the number of points you’ll need to redeem for an award based on the cash cost of the travel you are trying to book.

It’s easy to search for the travel you want. Chase has partnered with Expedia to run the search engine, but this has limited the search function a bit with some low-cost airlines no longer appearing. Be mindful of this when making a reservation (perhaps check to see if the airfare is similar to the basic economy or main cabin price on the airline’s website first).

The advanced options button lets you sort by airline and class of service.

Much like other online booking engines, once you find the travel plans you like, you enter your personal details. The best part of using the travel portal is that you can pay in full with points, cash or use a mix of points and cash. You can adjust the amount of points you want to spend for your trip and the website will display how much remaining cash you owe. If you need more points, you can transfer them from other Chase Ultimate Rewards® earning accounts you may have to boost your balance.

The process for booking hotels or car rentals is similar to reserving a flight, giving you the option to use a mix of cash or points.

To book a cruise with points, however, you’ll have to call Chase directly.

Another exception is when making a reservation at Luxury Hotel and Resort Collection properties, you can only make a cash reservation (you pay upon checkout) and cannot redeem Ultimate Rewards® points. You may still want to reserve through the portal, though, since it means you are eligible for additional perks like daily breakfast for two and a special amenity that varies by the hotel.

You can also reserve activities at home or your destination and pay for them in cash or with points. These include tours, museum visits and other local experiences.

Chase may charge a service fee on certain reservations. You will want to weigh whether this small charge is worth the benefit in Chase Ultimate Rewards® points you may use.

Many hotel companies offer member-only rates to entice you to book directly with them rather than through a third party. You’ll want to weigh whether earning Chase Ultimate Rewards® points is more valuable than the difference in the lowest rate booked directly with the hotel company.

When making any reservation through Chase's travel portal, you will be at the mercy of its own policies when it comes to changing or canceling a ticket. You will have to contact Chase directly to adjust your plans since you made it independently of the airline or hotel company. This can make it especially difficult with last-minute travel plan changes.

» Learn more: Advanced tips for redeeming Chase Ultimate Rewards

With a little comparison shopping for your travel plans, you can squeeze exceptional value from points via the Chasee's travel portal. They can be redeemed like cash for travel, but always be sure to compare a reservation using Chase points to the cost of using hotel or airline points.

Sometimes, it may be less advantageous to use Chase points since you will lose out on travel-related perks. Other times, you’ll come out ahead since you can save cash using points, which is helpful when there is no award availability for your preferred travel plans.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1.5%-6.5% Enjoy 6.5% cash back on travel purchased through Chase Travel; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

$300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1%-5% Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

$200 Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

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Chase Sapphire Preferred #shorts #finance #chase
Chase Sapphire Preferred Travel Insurance Review Pros and Cons
Is the Chase Sapphire Preferred the Best First Travel Card? [This Week in Points + Travel] Ep
Is the Chase Sapphire Preferred the most beginner friendly travel credit card? #creditcards
Chase sapphire reserve benefits

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Chase Sapphire Preferred Credit Card
Earn 60,000 bonus points after spending $4,000 in the first 3 months and redeem them for $750 toward travel. Enjoy 5x points on travel, 3x points on dining and online grocery, and 2x points on other travel purchases.
Chase Sapphire Preferred Card review: A top travel and dining card
Learn about the benefits, perks and rewards of the Chase Sapphire Preferred Card, one of the best travel credit cards for beginners and frequent travelers. Earn 60,000 bonus points, transfer to airline and hotel partners, or redeem for travel at 1.25 cents per point.
11 Chase Sapphire Preferred travel benefits you should know about
Learn how to get the most out of the Chase Sapphire Preferred Card, one of the best travel credit cards for beginners and experienced travelers. It offers flexible points, travel protections, and travel booking benefits. You can earn 25% more value per point when booking travel through Chase and get up to $50 annual hotel credits.
Chase Sapphire Preferred® Card
The Chase Sapphire Preferred is best for award travel beginners who want an introduction into the world of points and miles. The Ultimate Rewards program is a favorite across the board thanks to just how many ways there are to redeem points, including for travel, statement credits, and by transferring to airline and hotel partners.
14 Benefits of the Chase Sapphire Preferred
Learn how to earn and redeem points for travel, transfer points to partners, and get travel insurance with the Chase Sapphire Preferred card. See the annual fee, sign-up bonus, and other perks of this popular travel card.
The Guide to Chase Sapphire Preferred Travel Insurance
Learn how to use the travel insurance benefits of the Chase Sapphire Preferred Card when you purchase your trip with the card or with Chase Ultimate Rewards points. Find out the coverage limits, exclusions and how to file a claim for trip cancellation, interruption, delay, baggage loss and more.
Why the Chase Sapphire Preferred is Best for All-Purpose Travel in 2024
Learn why this card is NerdWallet's top pick for travelers, with perks like rental car insurance, trip cancellation and points transfer. Read how the writer used the card to watch the World Series in Texas and Florida.
Chase Sapphire Preferred Card Benefits Guide
The Chase Sapphire Preferred® Card is easily one of the top travel credit cards on the market today thanks to its ongoing rewards structure, first-year welcome bonus and wealth of perks. This ...
Your Chase Credit Card Guide to Benefits
Your Guide to Benefits has what you need to know about the travel and purchase protection benefits that come with your card* - what's covered, not covered, and how to file a claim. View/Print. Save PDF. * Certain restrictions, limitations, and exclusions apply. Please see your Guide to Benefits for details.
PDF Guide to Benefits
Your effective date of eligibility is determined by Chase. Please keep the guide with your account information for future reference and call the Benefit Administrator if you have any questions before taking advantage of the benefit. Chase Sapphire Preferred ® Visa Signature ® Important Information about your Travel & Purchase Protection Benefits
Chase Sapphire Preferred Card
The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.. Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage ...
How to Get the Most from the Chase Sapphire Preferred Card
With the Chase Sapphire Preferred® Card, points can be used to book travel through Chase's travel portal for a value of 1.25 cents per point. That makes a 60,000-point welcome offer worth at ...
Which purchases count as travel with Chase Sapphire Preferred and Chase
Thanks to its plethora of premium travel perks, the Chase Sapphire Reserve is well-known in the travel credit card space. The Chase Sapphire Preferred is the Sapphire Reserve's mid-tier sibling that features a $95 annual fee — which is also the more affordable card considering the Reserve's annual fee is $550 — and remains a top pick, winning Best Travel Rewards Credit Card for the sixth ...
Is The Chase Sapphire Preferred Worth It?
Depending on the partner and how you redeem your rewards, you could get more or less than the 1.25 cent-per-point maximum with Chase. The value of your points or miles will be based on a variety ...
What Purchases Count as Travel on the Chase Sapphire Preferred Card and
The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.. Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage ...
The Chase Sapphire Preferred Could Lose Its Crown to This Wells Fargo
The Chase Sapphire Preferred® Card also offers its highest rate of 5x points on travel booked through Chase Travel℠, whereas other travel purchases earn 2x points.
Chase Sapphire Reserve Card Ending Priority Pass Restaurant ...
The Chase Sapphire Reserve® offers several premium travel benefits, but one popular perk is going away later this year. According to online reports, cardholders will no longer be able to take ...
7 Things to Know Before Getting the Chase Sapphire Preferred
Learn about the benefits, drawbacks and eligibility of the Chase Sapphire Preferred Card, a popular travel credit card with a $95 annual fee and a 60,000 bonus offer. Find out how to maximize your points, avoid the Chase 5/24 rule and compare with other cards.
Why I Applied For The New Wells Fargo Autograph Journey Card
The Chase Sapphire Preferred may not have a premium fee but it comes packed with enough benefits to stand tall in a crowded field of travel cards. ... Enjoy beneﬁts such as 5x on travel ...
I Cut My Hotel Price Using Costco Travel And Still Earned Rewards
For the $1,905 purchase, I used my Ink Business Preferred ® Credit Card, which earns 3x per $1 spent on travel (and select business categories up to the first $150,000 spent each year), netting me 5,715 Chase Ultimate Rewards Points.
Chase Sapphire Preferred vs. Wells Fargo Journey: Sapphire Takes the
The Wells Fargo Autograph Journey℠ card, Wells Fargo's travel card launched in March 2024, is a direct competitor to the Chase Sapphire Preferred® Card, which is to many the standard for what ...
The Credit Card Competition Act Threatens Points, Rewards, and Miles
Since she started accumulating travel points a few years ago, ... But co-branded credit cards like Chase Sapphire Preferred, Delta SkyMiles, ...
Chase Travel Portal: What You Need to Know
The Chase Sapphire Preferred® Card and the Chase Freedom Unlimited® typically earn 5x points per $1 spent on all travel purchased through Chase's travel portal, while the Chase Sapphire ...

Chase Sapphire Preferred ® credit card

Travel Credit Card Rewards & Benefits

Over $150 in additional partnership benefit value

More ways to earn

Additional Value with Ultimate Rewards

My Chase Plan

Explore Additional Benefits

Refer Friends

Earn up to 75K bonus points per year

Cardmember Reviews

Best travel card ever !

Best Credit Card I Have

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Airline Travel Partners

Hotel Travel Partners

Partner benefits

Instacart+ Subscription

DashPass Subscription

Travel & purchase coverage

Auto Rental Collision Damage Waiver

Baggage Delay Insurance

Trip Delay Reimbursement

Travel and Emergency Assistance Services

Shop with confidence

Extended Warranty Protection

No foreign transaction fees

24/7 Access to a Customer Service Specialist

Apply for a card, use it the same day

$300 Travel Credit

Lyft Pink Membership

DoorDash DashPass Subscription

Monthly DoorDash Credit

Instacart Membership

Monthly Instacart Credit

Priority Pass Select Membership

The Edit SM

10x on Peloton Purchases

DoorDash Dashpass Subscription

Quarterly Instacart Credit

5x on Peloton Purchases

5x total points on Lyft

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Chase Sapphire Preferred Card benefits guide

The Bankrate promise

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Key Principles

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Key takeaways

Chase Sapphire Preferred annual benefits

10% anniversary point bonus

Chase Sapphire Preferred travel benefits

Auto rental collision damage waiver

Trip cancellation and interruption insurance

Baggage delay insurance

Trip delay reimbursement

Additional Chase Sapphire Preferred benefits

Purchase protection

Extended warranties

The bottom line

UNDERSTAND YOUR BENEFITS

Which purchases count as travel with Chase Sapphire Preferred and Chase Sapphire Reserve?

Editor's Note

How many points do the Chase Sapphire Reserve and Preferred cards earn on travel?

'Travel,' according to Chase

What does Chase typically count as travel purchases?

What does Chase typically not count as travel purchases?

Bottom line

Is The Chase Sapphire Preferred Worth It?

Table of Contents

Those Who Want To Maximize Ongoing Rewards

Those Who Want Access to Travel Partners

Those Who Want Extra Perks

Those Who Want to Avoid a High Annual Fee

Alternatives to the Chase Sapphire Preferred

Chase Sapphire ReserveÂ®

Capital One Venture X Rewards Credit Card

The Platinum CardÂ® from American Express

Bottom Line: Is the Chase Sapphire Preferred Worth It?