Chase Sapphire Preferred(R) Card

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The undisputed best beginner card

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Learn how to apply

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Annual fee: annual_fees

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Why most people agree it is the best beginner card

  • Generous Welcome Bonus: You’ll often see a 60,000-point bonus (or more) when you meet the minimum spend, worth about $750 in travel through Chase Ultimate Rewards. That’s a solid way to start earning points quickly.

  • Flexible Points System: Earn 2X points on dining and travel, plus 3X points on streaming services and online groceries, and 5X points on travel booked through Chase’s portal. It covers categories most families use every day, so you’re not left trying to hit complicated bonus categories.

  • Valuable Redemption Options: Points are worth 25% more when redeemed through Chase Ultimate Rewards, making it easy to book flights, hotels, or rental cars. You can even use points to erase other purchases via Pay Yourself Back℠.

  • Transfer Partners: You can transfer points to 11 airline and 3 hotel partners, like United, Southwest, and Hyatt, which is a huge perk. When transferred wisely, your points can stretch much further!

  • No Foreign Transaction Fees: A key feature for international travel—use your card abroad without any added fees, which is a great perk for family vacations.

  • Low Annual Fee: At just $95 a year, this card gives you premium rewards and perks without a hefty fee, making it perfect for someone looking to dip their toes into the world of rewards cards.

The Chase Sapphire Preferred is perfect for beginners because it’s easy to understand and offers a lot of value without being overwhelming! It’s truly a great go-to card for families who want to maximize their spending.

Reasons to love this card

Favorite Benefits for Moms:

  • 5X points on travel through Chase Ultimate Rewards: Ideal for planning family vacations, you'll earn 5X points when booking travel through the Chase portal, which means free flights, hotels, and more.

  • 2X points on dining and travel: Moms who enjoy dining out with the family or frequently book travel will benefit from double points in these categories, making it easier to accumulate rewards.

  • 3X points on streaming services and online grocery purchases: Everyday expenses like streaming subscriptions for family movie nights and online grocery orders can earn 3X points, adding extra value to regular spending.

  • $50 Annual Hotel Credit: Use this credit toward hotel bookings made through Chase’s travel portal, reducing out-of-pocket costs on family getaways.

  • No foreign transaction fees: Perfect for moms who love to travel internationally, this card allows you to spend abroad without worrying about extra charges.

  • Flexible redemption options: You can redeem your points for travel through Chase Ultimate Rewards, for statement credits, or with the “Pay Yourself Back” feature to cover everyday expenses.