Chase Sapphire Preferred Card
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$95/yr annual fee. 3x on dining, 2x on travel. 60,000-point sign-up bonus. Points transfer to 14+ airline and hotel partners.
★ Best PickA+Best Overall
The Chase Sapphire Preferred earns 3x on dining and streaming, 2x on travel, and 1x everywhere else — with access to Chase's transfer partner network that includes Hyatt, United, British Airways, and Air France. Points are worth 1.25 cents each redeemed through Chase Travel, or up to 2.5 cents when transferred to Hyatt for peak-season hotel bookings. The $95 annual fee is offset by a $50 annual hotel credit through Chase Travel, making the effective cost $45 for most cardholders.
Pros
- 3x on dining and streaming, 2x on travel — balanced for moderate spenders
- Transfer partners include Hyatt, United, British Airways — strong redemption upside
- Primary rental car insurance and trip cancellation coverage up to $10,000/person
Cons
- 2x on general travel is lower than competitors like Venture X (2x) or Amex Gold (3x on flights)
- $500/month dining cap does not apply but no grocery multiplier outside of select delivery apps
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