Why preferred Chase sapphire is not just a starting card

He CHASE SAPPHIRE PREFERRED® card (see rates and rates) It is often acclaimed as the Best starting card for travel rewards – The first letter that beginners get and thousands should obtain. And with good reason.

However, it is not just a novice card. Even the most intermediate and advanced points and miles often have this card in their wallets.

Since this card Current Welcome Bonus It allows you to win 100,000 bonus points after spending $ 5,000 on purchases in the first three months of opening the account, it is even more valuable.

Here are six reasons why you may want the preferred sapphire, even if you are no longer a rookie.

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Welcome the welcome bonus more than once

Some more experienced points and collectors assume that they will find obstacles with the eligibility rules of Chase. While complying with the following eligibility requirements, you can get a preferred welcome bonus from Sapphire:

You must be Under 5/24Which means that it should not have had more than five new credit cards (in all issuing) in the last 24 months.
You cannot have received a bonus on a sapphire card in the Past 48 months.
You should not have open sapphire cards.

This eliminates many people who would otherwise want to request the Preferred sapphire. However, suppose that the preferred sapphire was one of its first letters and that it received the welcome bonus, redeemed all its points and closed or degraded your card.

If more than 48 months have passed since the last time he received the bonus, he can get it again, as long as he falls under the 5/24 Chase rule of having less than five new credit cards in the last 24 months.

Remember, your 48 -month clock starts when you receive the bonus, not when you request or close the card.

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The 48 -month rule is positive for Chase compared to American Express, whose restriction once per life limits him to receiving a bonus on the same card again in most cases.

Rapid entrance points

While it is important to maximize your daily expenseWelcome bonds on new cards are one of the easiest ways to accumulate many points quickly.

In just three months (or less, depending on how fast it can spend $ 5,000), potentially you will have enough points for travel experiences such as:

Three round trip flights from the West Costa A Hawaii Use of British Airways Avios
Four nights (A rates out of peak or standard) in the Grand Hyatt Baha Mar wearing World of Hyatt Points
A single sense Turkish airlines Flight to Europe using airplan points

Alternatively, if you reserve directly through Chase Travel℠You will still get a lot of value on trips. With the preferred the sapphire, its points are worth 1.25 cents per point when it is redeemed through Chase Travel. That is not as much as their points can be worth through the transfer partners, but it is a solid value for a simple redemption method.

Transfer partner opportunities

Many of the best Chase cards are marketed as cash return cards, including the CHASE FREEDOM FLEX® (see rates and rates), CHASE FREEDOM UNLIMITED® (see rates and rates) and the Ink Business Cash® Credit Card (see rates and rates).

However, if you have any of those cards without also having a definitive rewards card, your rewards are essentially valid for cash refund. That means that the best benefit of the Ultimate Rewards program is lost: transfer partners.

To transfer their final rewards points to any of its aerial and hotel partners, you must have a medium or premium level card such as the CHASE SAPPHIRE Reserve® (see rates and rates), Chase Sapphire preferred either Ink Business Prefered® credit card (see rates and rates).

You may not care about the annual rate of $ 550 of the sapphire reserve, or does not want or need a commercial credit card (although the concerts and the independent work comply with the QUALIFICATIONS FOR APPROVAL). That leaves preferred sapphire as its best bet for an average level card that allows you to transfer your points.

Little or no learning curve

Sometimes, new people at points and miles request credit cards without understanding the complexities of the program or how to redeem points. Many rookies can exchange the preferred sapphire bonus points through Chase Travel, which values the points in 1.25 cents.

Now, there is not necessarily bad with that approach. After all, it is hundreds of dollars on trips that I would not have otherwise.

However, according to TPG April, in April 2025 ValuationsUltimate rewards points have a value of 2.05 cents each, more of the value you will get when using your points in Chase Travel. Fortunately, the learning curve to transfer its final rewards partners is not steep, allowing you to obtain maximum value for your points.

That is great news if it is already deeply in the rewards program of another issuer and is worried about entering another.

There are no foreign transaction rates

If you travel internationally even once a year, you have a Card without foreign transaction rates In his wallet it is essential to avoid paying more for his purchases.

He Chase Sapphire preferred satisfies that need. Since he earns 3 points per dollar in meals and 2 points per dollar in travel purchases made outside Chase Travel, a lot will probably be used while outside the United States.

Travel and safe benefits

We see travel protections and car rental insurance as benefits that are good, but we hope we don’t have to use them. However, the Preferred sapphire You can give you peace of mind with a variety of insurance benefits. These include:

Even using their definitive rewards or paying taxes on a adjudication flight qualifies for coverage.

With crisis of the airlines that occur more frequently, which leads to Delayed or canceled flightsIt is important to have a card with these benefits.

End

The current welcome bonus at the Chase Sapphire Prefereted allows new card holders to win 100,000 bonus points after spending $ 5,000 on purchases in the first three months of opening the account. If it is an intermediate or advanced collector of points and miles, this may have ruled out this The card as only for beginners.

But if you currently do not have the card and meet the Chase application restrictions, it is a card that you should consider adding (or adding it again if you have had it in the past) to your alignment.

For more information, see our Complete Review of the preferred sapphire.

Apply here: Chase Sapphire preferred

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