Chase
Chase Sapphire Preferred
Flexible points travelers who want transfer partner access without a premium annual fee
Annual Fee
$95
Bonus Value
$1,538
Min Spend
$5K/3mo
Current Welcome Offer
75,000
Ultimate Rewards — worth ~$1,538
Spend $5,000 in 3 months
Highest since tracking started30-day offer history
4 data points
Live verified
Checked May 13 · Confidence 100%
CreditPoints Take
The gold standard starter travel card
The CSP remains the best entry point into the Chase ecosystem. At $95/yr with robust transfer partners and solid bonus categories, it's the card most travel beginners should get first.
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AI Analysis
Who is this card best for?
The CSP remains the best entry point into the Chase ecosystem. At $95/yr with robust transfer partners and solid bonus categories, it's the card most travel beginners should get first.
Power combo: Pair with Freedom Unlimited (1.5× catch-all) and Freedom Flex (5× rotating) to maximize UR earnings across all spending, then pool points and transfer to Hyatt for outsized value
Strengths
- 10+ transfer partners at 1:1 ratio including Hyatt — the most valuable hotel program
- 5× on Chase Travel hotels/flights makes booking through the portal highly competitive
- $50 hotel credit effectively reduces the annual fee to $45
- Primary rental car insurance is a standout perk rarely found at this fee level
Weaknesses
- No lounge access or travel credits beyond the hotel credit
- Chase 5/24 rule blocks many points enthusiasts who have been active applicants
Rewards
Earn rates by category
Hotels & flights through Chase TravelBest rate
Dining & restaurants
Streaming services
Online grocery (excl. Walmart, Target, wholesale clubs)
Chase Travel portal (flights, hotels, cars)
All other travel
Everything else
Earn rates in Ultimate Rewards. Point value varies by redemption method.
Historical Intelligence
Offer history & timing
Current
75,000
Average
60,000
Tracked High
75,000
Recent changes
Spring elevated offer
2026-04
Chase.com
Holiday offer expired
2026-01
Chase.com
Holiday elevated offer
2025-11
Chase.com
Highest observed since tracking started: 75,000 (2025-11)
Timing Intelligence
Strong time to apply
This offer is at or near the best we've observed since tracking started. The current offer of 75,000 is at or near the highest we've tracked (75,000). Elevated offers on this card typically don't last more than 30–60 days.
Current offer
75,000
Ultimate Rewards
Based on 3 tracked changes. Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Very Strong
Est. +$2,959 net first-year value
Timing
Strong time to apply
This offer is at or near the best we've observed since tracking started. The current offer of 75,000 is at or near the highest we've tracked (75,000). Elevated offers on this card typically don't last more than 30–60 days.
Verified from issuer · May 13
Ecosystem
Chase Ultimate Rewards
Chase's transferable points currency — highly valuable via Hyatt, United, and airline partners.
✓ Transferable to 13 partners
Opens the Chase Ultimate Rewards ecosystem with access to Ultimate Rewards and 13 transfer partners.
Value
First-year value estimate
Conservative
+$1,953
65% benefit utilization, minimal travel redemptions
Realistic
+$2,959
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$3,957
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
+$1,834/yr
Based on avg US annual spend of $24,120 · Year 1 includes signup bonus. Illustrative — actual value varies by spending habits and redemption strategy.
Benefits
Card perks & credits
Up to $270/yr in benefits
✈️travel credit
Global Entry / TSA PreCheck Credit
$100/yr
$100 Global Entry or $85 TSA PreCheck credit every 4 years.
🍽️dining credit
DashPass Membership
$120/yr
Complimentary DashPass membership (free delivery on eligible orders). Requires activation.
⚠ Enrollment required
DoorDash and Caviar orders
🏨hotel credit
Annual Hotel Credit
$50/yr
$50 annual hotel credit on bookings through Chase Travel.
Hotels booked through Chase Ultimate Rewards portal
Live Data
Verified issuer data
Last verified: May 13, 2026
high confidenceEstimated Net Annual Value
$893
after annual fee
Travel Credits
- $50 Annual Hotel Credit$50/yr
Transfer Partners
Airlines (9)
Hotels (3)
Data sourced from issuer page via automated extraction. Verify current offers directly with creditcards.chase.com.
Redemptions
Transfer partners
Move your Chase UR points to these loyalty programs — usually at 1:1. Strategic transfers routinely deliver 2–4× more value than cash redemptions.
Airlines (7)
Hotels (3)
Eligibility
Approval insights
Recommended Credit Score
720+
Very Good (720+)
Difficulty
Hard
Annual Fee
$95
⚠ Know Before You Apply
Chase 5/24 Rule
Must have fewer than 5 new credit card accounts opened in the past 24 months across all issuers
Sapphire Family Rule
Cannot hold another Chase Sapphire card (Preferred or Reserve) at time of application
48-Month Bonus Rule
Cannot receive the signup bonus if you have received a Sapphire bonus within the past 48 months
One of Chase's most popular cards. Apply through a branch for best in-person service. Income requirements are not published but Chase prefers strong debt-to-income ratios.
Ideal Profile
Best use cases
First premium travel card to build Chase UR balance
Booking Hyatt hotels via transfer for 2¢+ per point value
Earning 5× on Chase Travel for domestic trips
Pairing with no-fee Chase cards (Freedom Unlimited, Freedom Flex) to maximize UR accumulation
Travelers who use rental cars frequently (primary insurance saves on CDW fees)
Chase Sapphire Preferred
Current offer: 75,000 Ultimate — worth ~$1,538
View Official OfferChase's secure site · No data stored · Commission may apply
Offers are based on publicly available information and are subject to change without notice. Estimated values are illustrative. Not affiliated with or endorsed by any card issuer.
Sapphire Preferred
75,000 Ultimate offer