Should i get chase sapphire

Related: A top travel card contender: Chase Sapphire Preferred credit card review. Since its launch, the Chase Sapphire Preferred has offered 2 points per dollar on travel and dining purchases, covering everything from Uber rides and parking fees to food delivery services. In August, Chase added even more bonus categories and benefits that make the Sapphire Preferred more competitive than ever before:. The addition of these categories and this new benefit allow cardholders to earn bonus points on all travel-related purchases and everyday purchases beyond just the welcome offer.

There are ways to use your Ultimate Rewards points no matter what type of card user you are, from Amazon purchases to Apple products to gift cards. While these redemption options will yield you 1 cent per point value, there are much better ways to stretch your points when using them for travel. Your first option is to book travel directly through the Chase travel portal, where points are worth a flat 1.

Chase has also partnered with Lyft , offering 5 points per dollar on Lyft rides on the Sapphire Preferred until March The Chase Sapphire Preferred blows other cards out of the water for value and affordability. Official application link: Chase Sapphire Preferred Card with a 60,point bonus. Terms Apply. Disclaimer: The responses below are not provided or commissioned by the bank advertiser. One-Time Offer. Rewards Earning Details. Rewards Redemption Details. Transferring Points.

How to Maximize Your Rewards. Outstanding Benefits. Standard Benefits. Cardholder Experience. Security Features. Sapphire Preferred vs. Sapphire Reserve. Our Verdict. Pros Generous rewards for travel and dining, with ways to further boost their buying power Outstanding one-time bonus for new cardholders 5X points on travel booked through Chase.

This Card is Best For. Seeks to maximize points or miles earnings across spending categories. Flies often for business or leisure. Dines out regularly while traveling or in home city. Travels outside of U. Chase Sapphire Reserve Vs. Compare This Card See how this card compares to similar cards. Full Review.

Investopedia Credit Card Rating Methodology. Investopedia is committed to delivering the best credit card recommendations in the industry. We have applied our proprietary rating methodology to every generally-accepted credit card in the U.

Cards that are selected best overall in their respective categories generally feature most if not all of the following attributes: Low or Reasonable Fees Credit card fees come in many forms but the primary ones involve those for annual card membership and balance transfer.

There are a myriad of reward and non-reward card options that charge no annual fee but for the many that do assess an annual fee the cost is often justified by their lucrative ongoing rewards and initial signup bonuses.

Balance transfer fees are occasionally waived during introductory periods with certain cards, a factor which is heavily and positively weighted in our scoring model for cards offering this benefit. We rate both introductory APR percentage and length in months along with the midpoint of the variable regular APR interest rate range.

Valuable Rewards Credit card reward programs can be based on cash back, points or travel rewards which can be generic or travel partner-specific, as with airline and hotel co-brand card programs. For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value.

We also assign value to sign-up bonus offers and their initial spending requirements, when present. Excellent Benefits Credit card benefits cover a range of offerings like concierge service, TSA Pre-check, auto rental coverage, travel accident insurance, lost luggage assistance and free credit scores. We rate cards on the number and level of over a dozen standard and upscale benefits and provide extra weighting emphasis for those travel-related perks that apply to premium travel cards when present.

You can also read the full version of our methodology for a more in-depth look at how we assess cards and award them the best in various categories. Mortgages Top Picks. Insurances Auto Insurance. Loans Top Picks. Thinking about taking out a loan? Knowledge Knowledge Section. Recent Articles. The Ascent Best Credit Cards.

Ratings Methodology. Compare This Card. Rating image, 4. Regular APR Big sign-up bonus Travel rewards Dining rewards Flexible travel points Consumer and travel protections. Has an annual fee. Take classes using a phone, tablet, or TV. No fitness equipment is required. Full Chase Sapphire Preferred review. Target, Walmart, and wholesale clubs are excluded. There's no cap on how many bonus points you can earn this way. No foreign transaction fee Foreign transaction fees can quickly add up when whipping out credit cards for purchases abroad.

Consumer and travel protections Chase's travel insurances and consumer protections are robust when compared to other credit card issuers. Limited-time perks Some of the card's perks are only offered for a limited time, which is problematic for two reasons. Find the best credit card for your needs Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool. Compare cards. Is Chase Sapphire Preferred's annual fee worth it?

Chase Sapphire Preferred vs. Chase Sapphire Reserve. Suggested credit score. Alternatives to consider. As of Nov. Rating image, 5. Highlights: Earn unlimited 1. Good credit is generally defined as a FICO of or higher, although issuers also take into account your income, existing debts and other information. Our Take 5. The scoring formula takes into account the type of card being reviewed such as cash back, travel or balance transfer and the card's rates, fees, rewards and other features.

Jump to: Full Review. Apply Now. Recommended Credit Score. See your approval odds. Show More. Read our review. Compare to Other Cards. Regular APR Sign up now. How much is a point worth? Big sign-up bonus. Bonus rewards for spending.

Transfer partners. Here are the transfer partners:. Air Canada Aeroplan. Aer Lingus.