what travel partners does chase have

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Chase Ultimate Rewards  are perhaps the most valuable transferable points. With instant or short transfer times and strong transfer partners like United Airlines, Southwest and Hyatt, you can travel nearly anywhere in the world on points.

Chase  travel credit cards  are also some of the best on the market. There are several direct Chase transfer partners, but you can also access indirect partners. That gives you lots of ways to travel for pennies on the dollar.

Chase Ultimate Rewards points are easy to earn with big sign-up offers and bonus categories. By transferring to the right partners, you could get even more  value from your Chase points  via a single welcome bonus.

Here are all the details about Chase’s transfer partners and what you should know before you book award travel.

Chase transfer partners

Chase transfer partners  include airlines and hotels, all of which have a 1:1 transfer ratio. That means when you transfer 1 Chase Ultimate Rewards point, you’ll earn 1 mile or point in the program you send them to. Transferring your points to travel partners is the  best way to use Chase points .

Chase Airline transfer partners

There are 11 direct Chase Ultimate Rewards airline transfer partners:

British Airways

Flying blue (loyalty program of air france and klm), singapore airlines, united airlines, virgin atlantic.

Through these airlines, you can book award seats through all three major airline alliances, including:

• Oneworld airlines (British Airways and Iberia)
• SkyTeam airlines (Flying Blue)
• Star Alliance airlines (Singapore Airlines and United Airlines)

Knowing how to work through the major alliances is your ticket to dozens of airlines beyond the 10 direct airline partners. Note that you can use Chase points to book award travel on other partner airlines which aren’t part of any alliance. For example, you can use British Airways Avios points to book an award ticket with Alaska Airlines, or Virgin Atlantic miles to fly on Hawaiian Airlines.

Knowing Chase’s airline partners — and then each partner’s partners — can unlock nearly limitless award opportunities.

Chase hotel transfer partners

The Chase Ultimate Rewards program has three direct hotel transfer partners:

In general, you’ll get a better deal redeeming Chase Ultimate Rewards points with airline partners, but Hyatt is the exception. It has a generous award char, and award rooms start at just 5,000 points per night. In fact, some of the team’s biggest travel awards have been for Hyatt stays.

If you’re close to an award stay with IHG, it can make sense to top off your account with Chase Ultimate Rewards points. But there are a number of other ways to earn IHG points, too.

And much like with IHG, if you’re a few points shy of a free stay at Marriott, it can make sense to transfer Ultimate Rewards points to your Marriott account. Always run the numbers before you make a transfer because there’s no reversing it.

Chase Ultimate Rewards transfer times

Here’s a look at the estimated transfer times for each of the airline partners.

Most Chase Ultimate Rewards points transfers are instant. This is great news if you’re in a hurry to book an award flight or get a hotel room.

For the cases where transfers take one or two days, you still have a couple of options while you wait.

Marriott will give you a points advance to book your stay at a Marriott or Ritz-Carlton hotel. As long as you have the points in your account at least 14 days prior to check-in, you’re good to go.

And Singapore Airlines will let you hold an award ticket for a Singapore Airlines flight (not for partner award flights).  You need to call to place an award on hold, then call again once the transfer is complete to ticket your trip.  It’s a little more work, but worth it to preserve your award flight while you’re waiting!

Know the Chase Ultimate Rewards Transfer rules

All transfers are final.

Once you transfer Chase Ultimate Rewards points to a partner program, you won’t be able to get the points back to your Chase account.

I recommend finding your award flight or room before you transfer your points.  Most transfers are instant, so you can book as soon as you find travel that works for you

Transfers to partners are always in 1,000-point increments

You might need a small or odd number of points to snag an award ticket or hotel stay, but be aware that you must always transfer in increments of 1,000 Chase Ultimate Rewards points to travel partners.

You can combine any number of points between Chase Ultimate Rewards cards (yup, even just 1 point) or  combine them with others  in any amount.  But when it’s time to send them to travel partners, they have to go out in increments of 1,000 points.

Send your points to a spouse, family member or authorized user

For personal cards,  Chase lets you to transfer points to another person  in the same household.  Here’s  our video guide on how to combine your points with a family member or another card account .

If you want to transfer points from a business card to someone else, they need to be a household member or a co-owner of the company.

You can also combine points with an authorized user, as long as they live at the same address as you.

Award travel with Chase Ultimate Rewards points

Here are just a few ways to get outsized value from your Chase Ultimate Rewards points.

Transfer to British Airways or Aer Lingus Avios for flights to Dublin

You can redeem British Airways or Aer Lingus Avios points on Aer Lingus and book flights to Dublin.

British Airways and Aer Lingus award prices are distance-based, so shorter flights cost fewer points.  This means award flights from the East Coast to Dublin are a terrific deal. For example, Boston to Dublin requires only 26,000 British Airways Avios points for an off-peak, round-trip coach award ticket.  The same deal is available from the following cities:

• Montreal (starting summer 2019)
• New York – JFK
• Philadelphia
• Washington, DC

You can’t search for or book Aer Lingus award flights on the British Airways website. Instead you can search for “Saver” award seats on the United Airlines website and call British Airways to book. Ask them to waive the phone fee because it’s not possible to book online.Also, Aer Lingus classifies certain dates as peak travel, which means you’ll use more points for award flights during these times.

Transfer to Singapore Airlines for United Airlines flights to Hawaii

United Airlines is a direct Chase airline transfer partner.  But you can also transfer Chase Ultimate Rewards points to Singapore Airlines, which is part of the same Star Alliance.  Then,  book United Airlines award flights to Hawaii  for cheaper than what United Airlines charges!

For example, you’ll pay 35,000 Singapore Airlines miles round-trip in coach from anywhere in North America to Hawaii.  Compare that with United Airlines’ price of 45,000 United Airlines miles. You’ll save 10,000 Chase Ultimate Rewards points per flight.

Transfer to Hyatt for luxury hotel stays

As mentioned earlier, some of our most valuable uses of Chase Ultimate Rewards points have been at Hyatt hotels around the world.  Here’s  how to transfer your points to Hyatt . Many of us on the MMS team have stayed at Hyatt all-inclusive hotels in Mexico. We loved the endless food and adult beverages. And because I used points for a free stay (that’s right, I paid $0), I treated myself to an opulent massage treatment I’d otherwise never splurge on.

Booking travel through the Chase travel portal

Along with transferring your Ultimate Rewards points to Chase travel partners, don’t forget, it’s also possible to use your points to  book travel directly through the Chase travel portal .

Depending on the cash price of a ticket or hotel room, you’ll sometimes get a better deal using the Chase travel portal to book flights or hotels.

Chase Sapphire Reserve cardholders, for example, will get a value of 1.5 cents per Chase Ultimate Reward point when booking through the portal. Those with the Chase Sapphire Preferred Card or Ink Business Preferred Credit Card will get a value of 1.25 cents per point when booking through the Chase portal.

Here’s our guide to  booking travel with the Chase travel portal .

Earn Chase Ultimate Rewards points

You can earn Chase Ultimate Rewards points to transfer directly to airline and hotel partners with these three excellent card offers:

These cards are affected by Chase’s stricter application rules. That means if you’ve opened five or more cards from any bank ( except these business cards ) in the past 24 months, it’s unlikely you’ll be approved. And if you have any of these no-annual-fee cards, you’ll need to  combine Chase points  to one of the above cards before you can transfer them:

• Chase Freedom Flex
• Chase Freedom Unlimited
• Ink Business Cash Credit Card
• Ink Business Unlimited Credit Card

Each card has its own strengths, like bonus points for spending in certain categories. That makes it easier to earn even more valuable Chase Ultimate Rewards points. Read our full guide on  how to earn Chase Ultimate Rewards points  for all the details.

Bottom line

There are 13 airline and hotel partners within the Chase Ultimate Rewards program.

But thanks to airline alliances and partnerships, you can book award travel beyond the direct transfer partners. This unlocks nearly endless travel opportunities to fantastic destinations around the world.

Most points transfers are instant, but a few partners have one- or two-day transfer times. Because of their flexibility and strong travel partners, Chase Ultimate Rewards are a favorite here at Million Mile Secrets.  We’ve all used Chase Ultimate Rewards transfer partners for unforgettable trips.

With sign-up offers on cards like 80,000 Chase Ultimate Rewards points with the Chase Sapphire Preferred card after meeting the minimum spending, you could be on your way to Ireland on Aer Lingus, Hawaii with Singapore Airlines miles, or at an all-inclusive Hyatt hotel in Mexico — and that’s just for starters.

Let me know your favorite Chase Ultimate Rewards transfer partner. And  subscribe to our newsletter  for more tips and trick to getting outsized value for your points.

Meghan Hunter

Contributor

Meghan Hunter is an editor for Million Mile Secrets. She covers points, miles, credit cards, airlines, hotels and general travel. Her work has also appeared in The Points Guy.

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The Travel Sisters

List of chase ultimate rewards transfer partners (2023).

by The Travel Sisters | Mar 2, 2023 | Credit Cards , Ultimate Rewards | 5 comments

Chase Ultimate Rewards Transfer Partners

Transfers are at a 1:1 ratio (meaning 1,000 Ultimate Rewards points transfer to 1,000 miles/points) unless there is a transfer bonus.

Chase Ultimate Rewards Airline Partners

• AerClub, loyalty programme of Aer Lingus
• Air Canada Aeroplan
• British Airways Executive Club
• Emirates Skywards
• Flying Blue AIR FRANCE KLM -LIMITED TIME OFFER: Get 25% Bonus Flying Blue Miles when you transfer points through 11:59PM EST on May 15, 2023
• Iberia Plus
• JetBlue TrueBlue
• Singapore Airlines KrisFlyer
• Southwest Airlines Rapid Rewards
• United MileagePlus
• Virgin Atlantic Flying Club

Chase Ultimate Rewards Hotel Partners

• IHG® One Rewards
• World of Hyatt
• Marriott Bonvoy -LIMITED TIME OFFER: Get 50% Bonus Marriott Bonvoy® points when you transfer points through 11:59PM EST on May 15, 2023

The Ultimate Rewards partners I personally find to be most valuable are United and Hyatt. Singapore Airlines KrisFlyer, Flying Blue,  Emirates Skywards and Virgin Atlantic Flying Club are also transfer partners of other points currencies ( Amex Membership Rewards and Citi Thank You points ) so I prefer to use one of those other currencies instead of Ultimate Rewards points which I find most valuable.

How Fast Do Chase Ultimate Rewards Transfers Take

Most point transfers process instantly except for Singapore Airlines KrisFlyer and Marriott Bonvoy.

If you click on the name of the travel loyalty partner or downward arrow, the box will expand and you will see a description of the program, partner airlines and expected transfer time.

According to Chase, most Singapore Airlines KrisFlyer point transfers process within two business days and most Marriott Bonvoy™ point transfers process by the next business day.

Which Credit Cards Earn Ultimate Rewards That Can Be Transferred to Travel Partners

Not all Ultimate Rewards points directly transfer to Chase’s travel partners but all indirectly transfer provided you have a “premium” card.

There are 2 type of credit cards that earn Ultimate Rewards: 1) premium cards (cards with an annual fee after the first year) and 2) no annual fee cards. Disclosure: This article contains some of our referral links.

1. Premium Ultimate Reward Cards  ( DIRECTLY transfer to travel partners) •  Personal: Chase Sapphire Preferred  and  Chase Sapphire Reserve •  Business: Ink Plus (no longer offered to new applicants) and  Ink Business Preferred

2. No Annual Fee Ultimate Reward Cards  ( Do not directly transfer to travel partners but you can indirectly transfer if you have one of the premium ultimate rewards cards above) •  Personal: Sapphire, Freedom (both no longer offered to new applicants), Freedom Flex and Freedom Unlimited •  Business: Ink Business Cash  and  Ink Business Unlimited

If you have one of the premium Ultimate Rewards credit cards listed in (1) above, Ultimate Rewards in that account directly transfer to airline and hotel partners. (For a guide on how to transfer your Ultimate Rewards points to the travel partners listed above see related post :  How to Transfer Chase Ultimate Rewards Points to Travel Partners .)

Ultimate Rewards in a no annual fee credit card account listed in (2) above, DO NOT directly transfer to partners but can indirectly transfer if you have one of the premium Ultimate Rewards cards. The way to transfer Ultimate Rewards points from one of the cards listed in (2) above, is to transfer the points to an account of one of the premium Ultimate Rewards cards. So if you have a Chase Freedom Flex and a Chase Sapphire Preferred card, you can transfer points from your Freedom account into your Sapphire Preferred account and then transfer to airline and hotel partners from that account.  See related post  How To Combine or Transfer Chase Ultimate Rewards Points Between Accounts .

Ink Bold has been eliminated entirely; Chase converted all Ink Bold cards into Ink Plus cards last year. I had two Bolds that were converted.

Thanks did not realize they had been converted. Will delete from the list.

How can one transfer Ink Cash points to Ultimate Reward point? Thanks.

Ink Cash earns Ultimate Rewards points but they are the type that do not transfer to airlines and hotels. Do you have any of the following Chase cards: Chase Sapphire Preferred, Chase Sapphire Reserve, Ink Plus, Ink Business Preferred? If so you can transfer your Ink Cash points into the credit card account of one of those cards and then transfer to airlines and hotels. This post might help: https://thetravelsisters.com/how-to-transfer-chase-ultimate-rewards-points .

Lets said that I found a good deal on one of the airlines, on the chase ultimate reward, how do I know what is the exact amount of point to transfer to the airline site? Its the first time doing it I’m not sure what is the best way to do the point transfer. Thank you

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Chase transfer partners: How to get the best value

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Key takeaways

• Chase Ultimate Rewards points transfer to 14 popular airline and hotel partners, all at a 1:1 ratio.
• Transferred points can be worth an average of 0.7 cents each to 2.6 cents each, depending on the Chase transfer partner you choose.
• Some of the best redemptions for Chase points come from programs like Southwest Rapid Rewards, United MileagePlus and World of Hyatt.

Chase Ultimate Rewards are one of the most valuable credit card currencies in circulation today, and it’s easy to see why. These points can be redeemed for flexible options like gift cards, merchandise or cash back, or they can be used to book travel directly through Chase. Premium Chase travel cards even boost your points value by 25 to 50 percent when you redeem points directly through the Chase Travel portal.

More importantly, Chase Ultimate Rewards points transfer to a range of popular airline and hotel partners at a 1:1 ratio. These partners include some sought after programs that don’t overlap with options from other flexible programs, particularly Southwest Rapid Rewards, United MileagePlus and World of Hyatt.

If you’re looking to increase the value of Chase Ultimate Rewards points, transferring your points to a Chase travel partner is one way to do this. You might even find that transferring your points is better for you than booking through the Chase Travel portal with a premium card that would otherwise boost your points value.

This guide will explain how much points are typically worth when transferred to Chase airline and hotel partners, some of the best redemption options and everything else you need to know.

How to redeem points with Chase partners

Chase Ultimate Rewards airline and hotel partners include a range of domestic and international travel partners that can be used to book trips all over the world. Chase transfers are all available at a 1:1 ratio as well, which isn’t the case with other flexible programs like American Express Membership Rewards or Capital One Miles .

To use your Chase Ultimate Rewards points with a transfer partner, you’ll have to first decide which transfer partner you want to use and then move your points via the Chase Travel portal. We outline those steps below.

Choose your Chase transfer partner

Before we dive into the details of each Chase transfer partner, here’s an overview of the available airline and hotel loyalty programs and their current average point values:

Transfer your Chase Ultimate Rewards points to partners

To transfer your points to a Chase airline or hotel partner, follow these steps:

• Log in to your Chase credit card account and head to your Chase Ultimate Rewards dashboard.
• Click on “Transfer to Travel Partners.”
• Pick the travel partner you’re interested in.
• Link your desired airline or hotel loyalty program account to your Chase account.
• Transfer your points and follow the prompts to complete your booking.

Once you transfer Chase points to an airline or hotel loyalty program, you cannot transfer those points back to Chase Ultimate Rewards.

Chase airline transfer partners

Three top travel credit cards from Chase — the Chase Sapphire Preferred® Card , Chase Sapphire Reserve® and Ink Business Preferred® Credit Card — allow you to transfer points at a 1:1 ratio. This means that you can turn Chase Ultimate Rewards points into airline miles or hotel points in increments of 1,000.

Here’s an overview of Chase’s airline partners and some potential strategies you could use to maximize them, based on valuations from Bankrate :

Aer Lingus (Avios)

Transfer ratio : 1:1

Approximate value : 1.8 cents each

Aer Lingus Avios are worth around 1.8 cents each, though how you redeem them will determine how much value you get out of your rewards. This transfer partner typically offers exceptional value for flights within the U.K. as well as flights from the eastern U.S.

For example, you may be able to find an off-peak economy award flight from Boston to Dublin, Ireland, for just 13,000 Avios points, or from Dublin to Los Angeles or Miami for just 16,250 Avios points.

Air France/KLM Flying Blue

Approximate value : 1.5 cents each

Air France/KLM Flying Blue is a popular transfer option for flights from the U.S. to Europe, and that’s especially true for people who don’t mind redeeming miles for an international economy award flight. Air France/KLM Flying Blue miles are typically worth around 1.5 cents each, although redemption values vary.

While Delta is not a transfer partner with Chase, you can redeem miles with Flying Blue to fly back and forth with Delta to various European cities like Paris or Amsterdam. It’s usually not very hard to find a flight with plenty of availability for less than 25,000 miles one way, although your results may vary.

Air Canada Aeroplan

Approximate value : 1.6 cents each

Chase cardholders can transfer Ultimate Rewards points to Aeroplan in increments of 1,000 at a 1:1 value. Rewards points are redeemable for any seat on any Air Canada flight and for travel with over 50 airline partners. Plus, with Aeroplan Family Sharing, families can combine points together at no additional charge.

Aeroplan’s  Points Predictor Tool helps you plan out your flights based on distance. For instance, with this tool, you can see that an economy flight from Chicago to Toronto would cost between 6,000 and 10,000 points at the time of writing. There are flexible options to pay for all or part of a trip with points, too.

British Airways (Avios)

Approximate value : 0.7 cents each

British Airways uses a distance-based chart that makes it possible to book shorter award flights for fewer points overall. You can also utilize this transfer partner to book flights with oneworld Alliance partners like American Airlines.

British Airways Avios are worth around 0.7 cents each, and this program has plenty of sweet spots. A “ sweet spot ” is known as flight or hotel stay paid for with points that’s offered at a significantly lower price compared to most other programs. For example, a short flight of fewer than 650 miles may set you back as little as 6,000 points in economy when you use British Airways.

Emirates Skywards

Approximate value : 1.2 cents each

While Emirates is popular for its flights within the Middle East, you can also use this airline and its partners to fly from major U.S. cities like Chicago and New York to Europe, Africa, Australia and many other destinations worldwide.

Emirates Skywards Miles are typically worth 1.2 cents each, but how you cash them in will ultimately determine their value. Fortunately, it’s easy to use your miles given the wide selection of destinations. For example, you may be able to fly round-trip from Dubai to London with 45,000 miles with an economy Saver award, while Economy Flex Plus for the same flight may set you back 77,500 Skywards Miles at the time of writing.

You can use the Emirates miles calculator to run your own numbers.

Iberia Airlines (Avios)

Approximate value : 0.9 cents each

Iberia Avios are worth approximately 0.9 cents each, and you can use them to fly with Iberia Plus or with partner airlines like American Airlines and British Airways, among others. You may be able to find sweet spots in the Iberia award chart. At the time of writing, there were off-peak business class flights from Chicago to Madrid for 34,000 Avios and short trips around the U.S. (flights under 6,000 miles) for just 11,000 Avios one way, although your results will vary.

Also note that Iberia Plus has peak and off-peak dates, with off-peak dates offering exceptionally better value for rewards. For example, you’ll stretch your Avios further during most of October or November versus the rest of the year.

JetBlue TrueBlue

Approximate value : 1.3 cents each

JetBlue is another transfer partner that can offer exceptional value, although this airline only flies to select destinations within the U.S., the Caribbean and Central and South America, plus London, England and Vancouver, British Columbia.

There is no specific award chart, but it’s not uncommon to see award flights to destinations in the Caribbean for as little as 15,000 miles one way. While values can vary, JetBlue TrueBlue miles are typically worth 1.3 cents each.

Singapore Airlines KrisFlyer

Singapore Airlines KrisFlyer miles are worth around 1.6 cents each, although values vary. Flight awards typically start at 15,000 KrisFlyer miles (not including airline taxes and fees).

Some options available at the time of writing include booking an economy award from the West Coast or Europe to Singapore for 84,000 miles one way or from Singapore to the Middle East for 58,000 miles one way.

When thinking of ways to use your miles, try out the Singapore Airlines KrisFlyer miles calculator to find the right flight for your needs. Note that your results may vary.

Southwest Rapid Rewards

Southwest Rapid Rewards is a popular transfer partner for people who want to fly within the U.S. (including Hawaii) or to Central America or the Caribbean. Generally,  Southwest Rapid Rewards points are worth around 1.5 cents each. And during one of Southwest’s big sales, it’s not uncommon to see one-way domestic flights for less than 8,000 Southwest Rapid Rewards points.

Southwest lets customers check two bags for free. It also offers one of the best cancellation and rebooking policies of any airline and a fare-based rewards program, which means that lower-priced airfare translates to cheaper award flights.

United Airlines MileagePlus

United miles are worth around 0.9 cents each. You can use them to fly with an array of Star Alliance partners including Lufthansa, ANA, TAP Air Portugal and Turkish Airlines.

While the  United MileagePlus program no longer follows a traditional award chart, you may be able to find one-way domestic flights for as little as 18,000 miles or one-way flights to Europe from the U.S. for as little as 40,000 miles. Your flight results may vary from these results, however.

Virgin Atlantic Flying Club

Approximate value : 2.6 cents each

Virgin Atlantic miles are worth 2.6 cents each, and there are plenty of ways to redeem them for popular routes between the U.S. and Europe or for flights to Asia. For example, Virgin Atlatic offers  one-way flights in business class for just 50,000 miles and for one-way business class flights between the U.S. and Asia for just 60,000 miles at the time of writing.

Standard season award flights usually start at about 20,000 miles (not including airline taxes and fees), and peak-season award flights usually start at roughly 40,000 miles round-trip.

The Virgin Atlatic earning calculator can help you see how many points you might need for the flight you want.

Chase hotel transfer partners

Similar to Chase airline partners, Chase Ultimate Rewards points will vary in value depending on which hotel partner you redeem points with. Each approximate value listed below is based on Bakrate’s points valuations .

IHG One Rewards

IHG One Rewards points are estimated to be worth about 0.7 cents each, so they aren’t one of the highest-value redemption options. However, they are pretty versatile. Points can be used for InterContinental Hotels Group properties, which range from Holiday Inn Express hotels to Hotel Indigo, InterContinental Hotels and Resorts and even Kimpton Hotels and Resorts. Free nights start at just 5,000 points, and this program promises no blackout dates. Note that you can redeem points at more than 6,000 hotels and resorts around the world.

While you can cash in  IHG Rewards Club points for free nights at small-town Holiday Inns, you can also use them for all-inclusive resorts in Mexico and the Caribbean or for luxury resorts in the Maldives and Bora Bora. For example, at Holiday Inn Resort Kandooma Maldives, you may be able to find a stay starting at just 59,000 points per night.

Marriott Bonvoy

Marriott Bonvoy includes a wide range of resort brands ranging from Ritz-Carlton properties to Westin Hotels and Resorts. Free nights typically start at just 10,000 points during the off-peak season, although that’s for a lower tier property. For a high-end Marriott hotel or resort,  you’ll likely fork over 85,000 to 100,000 points per night and potentially more.

Marriott Bonvoy points are worth approximately 0.7 cents each, which is similar to IHG One Rewards. But Marriott also offers its PointSavers program, which lets you book award nights for 20 percent off in select destinations at various times throughout the year.

World of Hyatt

Approximate value : 2.3 cents each

World of Hyatt points are typically worth around 2.3 cents each. This hotel brand has a smaller footprint worldwide than others with large loyalty programs, but you can get significant value from your hotel points and from building loyalty with World of Hyatt.

Free nights at Hyatt properties usually start at just 3,500 points for a Category 1 property, but they can cost up to 40,000 points per night or higher for premium properties available through the brand. World of Hyatt is probably most popular for the luxurious resort experiences you can book with very few points, although results can vary. For example, a free night at the Park Hyatt Paris-Vendome can be booked for just 45,000 World of Hyatt points at the time of writing.

Which Chase transfer partners are best?

The best Chase transfer partners make it easy for users to receive outsized value for their rewards points. Some rewards currencies are also considerably easier to use than others, either because the program doesn’t have blackout dates or there are more available flight options or hotel and resort properties offered through the brand.

The best Chase transfer partners include:

The bottom line

Transferring your Chase Ultimate Rewards points to a Chase airline or hotel partner can be one of the best ways to get the  most value out of your points . Depending on the transfer partner and your travel goals, you could get more than 1 cent in value out of your points, making it a lucrative redemption option.

If you have a premium Chase travel credit card , you also have the option of increasing the value of your points by 25 to 50 percent if you redeem through the Chase Travel portal , so be sure to weigh your options carefully. In some instances, booking through the Chase Travel portal might give you a better deal than if you transferred your points to a partner, and in others, the opposite would be true.

Frequently asked questions (FAQs) about Chase transfer partners

Is transferring chase points worth it, how can i tell how much my points are worth, does chase have delta or american airlines as a transfer partner.

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Credit Cards

A traveler’s guide to the Chase Travel portal

Tamara Aydinyan

Julie Sherrier

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Robin Saks Frankel

Updated 5:23 p.m. UTC Nov. 28, 2023

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For qualifying Chase cardholders, the easy-to-use Chase Travel℠ portal offers a flexible and convenient way to book hotels, flights, rental cars, cruises and more using points or a combination of points and cash.

What is the Chase travel portal?

A favorite among frequent travelers for its versatility and redemption options, Chase Ultimate Rewards® (UR) is one of the major transferable credit card rewards points programs and UR points are Chase’s flexible rewards currency.

The Chase travel portal works much like an online travel agency (OTA) similar to Orbitz or Priceline where you can book hotels, flights, cars, activities and cruises. But unlike a traditional OTA, with the Chase travel portal you can book travel with your Chase card’s rewards points, cash or a combination of the two.

Who can use the portal?

A handful of exclusively Chase-issued credit cards grant cardholders access to the Chase travel portal, but how you can utilize the portal and the value you can receive is card-specific.

The following credit cards are the only cards that earn Chase Ultimate Rewards points outright:

• Chase Sapphire Reserve®
• Chase Sapphire Preferred® Card
• Ink Business Preferred® Credit Card * The information for the Ink Business Preferred® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

But if you or a household member own at least one of the cards above, the rewards on the following cash-back credit cards can be combined with any of the cards listed above and used as Chase Ultimate Rewards points:

• Chase Freedom Flex℠ * The information for the Chase Freedom Flex℠ has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
• Chase Freedom Unlimited®
• Ink Business Cash® Credit Card
• Ink Business Unlimited® Credit Card

And while the points earned cannot be combined with any of the UR-earning cards, the following pay-in-full card does have access to the Chase travel portal:

• Ink Business Premier℠ Credit Card * The information for the Ink Business Premier℠ Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Is the portal worth using?

It’s often said that having the right travel credit card is important, but knowing how to redeem your miles and points can be as paramount as which card you use to earn them. However, not everybody has the patience or interest to learn the intricacies of different rewards programs to maximize the value of every mile and point.

So while transferring UR points to individual loyalty programs is still one of the best ways to get the most cents per point at a 1:1 basis, for those who value simplicity, the Chase travel portal offers a straightforward way to book travel, earn and redeem points and still receive a great deal. Best of all, you won’t be limited by any loyalty program or award space availability.

When transferring points, the minimum you can transfer is 1,000 points to the following UR travel partners with either the Chase Sapphire Reserve, Chase Sapphire Preferred or the Ink Business Preferred cards:

Regardless of how you’re using the Chase travel portal, it’s worth considering the pros and cons.

• The standard rate for Ultimate Rewards points when redeemed for travel through the Chase travel portal is 1 UR point = 1 cent, but can be worth significantly more with the UR-earning cards. The Chase Sapphire Reserve gets a redemption value of 1.5 cents per point through the Chase Travel℠ portal while the Chase Sapphire Preferred and Chase Ink Business Preferred cards each get 1.25 cents per point.
• Since you’re not limited to any loyalty programs, you can use your UR points to book boutique hotels that you’d otherwise only be able to book with cash.
• Flights booked through the Chase travel portal can earn frequent flyer miles and can be used toward advancing your elite status.
• You can earn a substantial amount of bonus points when booking through the Chase portal depending on the card you’re using.
• You can use a combination of points plus cash to purchase your reservation.
• Hotels booked through the Chase travel portal do not earn hotel points or credits toward elite status. Any elite status perks you’d receive if booking directly with the hotel will likely be forgone.
• If you experience any issues while traveling, you’d have to go through Chase to resolve the issue. For example, if there is a problem with your hotel reservation, you’ll have to contact a Chase representative for help resolving it since you didn’t book directly with the hotel. Dealing with a middleman during travel emergencies is less than ideal and something to be wary of when considering booking through the portal.
• Southwest Airlines flights do not show up in the UR travel portal, but can be reserved by calling the Chase Travel Center at 855-233-9462.

How to book travel through the Chase travel portal

You can access the Chase travel portal by logging into your Chase account and clicking on the Rewards balance on the right or by going to the Chase Ultimate Rewards website .

Once you’re logged in, if you have more than one UR-earning Chase card, you’ll be asked to select one to proceed with — a crucial step as each card has different earning and redemption rates.

After clicking on your selection, you will be taken to the Ultimate Rewards dashboard. If you click on the Earn / Use dropdown button, all of your Ultimate Rewards options will be presented. Click on Travel to proceed to the portal.

Once in the travel portal, you’ll  have the option of selecting the type of booking you’d like to make.

From there, your user experience will be similar to any other OTA where you can search your travel options.

Because the Chase travel portal doesn’t limit you to transfer partners or loyalty programs, you’ll be able to search almost all major airlines. One notable exception is Southwest Airlines, which is still bookable using UR points but will require a phone call to the Chase Travel Center to reserve your flight.

One difference compared to a traditional OTA is the option to buy in cash, points or a combination of both.

If you’re short on points or if you’d like to offset the cash price with some points, you’re given the option to choose how to pay.

After that, you’ll be prompted to enter your traveler information and you’re all booked. However, you will have to log into the specific airline with your reservation code in order to reserve seats.

Booking hotels through the Chase travel portal is a similar process. And with the portal’s easy-to-use search function, you can find boutique hotels that would otherwise be unbookable with loyalty-program-based points.

However, if you have elite status with a hotel chain, you’ll want to book directly rather than going through the Chase portal in order to access status benefits and have that hotel stay count toward achieving a higher status. Or, you can transfer UR points to one of three UR hotel loyalty program transfer partners, including Marriott Bonvoy, World of Hyatt or IHG One Rewards.

Rental cars can also be booked through the portal in a similar fashion. And as in many cases, being aware of which card you’re booking your car rental with can make a big difference in case of an accident as both the Chase Sapphire Reserve and Chase Sapphire Preferred offer primary car insurance , an uncommon, money-saving benefit, which saves you from having to file a claim with your private car insurance carrier first.

A quick guide to the Chase Ultimate Rewards program

As some of the most sought-after flexible points, Chase Ultimate Rewards can be accrued through several avenues. The most lucrative way is by applying for Chase credit cards and earning their respective welcome bonuses — but be wary of Chase’s 5/24 rule , which blocks applicants from opening a Chase credit card if they’ve opened five or more cards from any issuer in the past 24 months.

If you have two Chase cards that earn UR points, you can then transfer the rewards earned to the card that carries the most redemption value. For example, you can open the Chase Sapphire Preferred card and then the Chase Freedom Flex and move any points earned on the Flex card to the Preferred card, which has a boosted value of 25% more when redeemed through the portal.

Looking to add more than one new credit card to your wallet? Here’s why you shouldn’t apply for multiple cards at the same time.

Outside of regular credit card spending, you can also grow your Ultimate Rewards pile by using the Chase shopping portal. By adding just one extra step to your online shopping, you can earn bonus points for your future travels.

While transferring points to partners is one option to maximize the value of your Chase Ultimate Rewards points, there are numerous other ways to use the Chase Ultimate Rewards program to your benefit. Whether it’s redeeming your points as a statement credit for eligible, rotating categories throughout the year through the “Pay Yourself Back” feature, booking special dining experiences with your points or using the portal to book your next vacation, the Chase Ultimate Rewards program’s flexibility makes it a great option regardless of your lifestyle.

Frequently asked questions (FAQs)

Chase Ultimate Rewards (UR) are Chase Bank’s flexible rewards currency that can be earned on several of its credit cards.

The Chase travel portal can be accessed through the Chase app or the Chase website. After logging in, you can select the option to book travel.

You can use your Chase travel credit, like the up to $50 annual hotel statement credit offered by the Chase Sapphire Preferred, by booking your travel through the Chase travel portal. The statement credit will automatically be applied to your account within one to two billing cycles after your purchase posts to your account — up to an annual maximum accumulation of $50.

You can redeem your Chase Ultimate Rewards directly through the travel portal with almost all major airlines with the exception of Southwest Airlines, which can be booked over the phone. With Southwest, select the flight you want at Southwest.com and then call Chase Travel Center at 855-233-9462 with the flight details.

The value you receive from the Chase travel portal will depend on the credit card you’re using. For example, if you have either the Chase Sapphire Reserve or the Chase Sapphire Preferred, your points are worth either 50% or 25% more, respectively, when redeemed for travel.

*The information for the Chase Freedom Flex℠, Ink Business Preferred® Credit Card and Ink Business Premier℠ Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Tamara Aydinyan has been traveling the world with the help of miles and points for over a decade and enjoys teaching others to do the same. When she's not on the move, you can find her in Los Angeles or New York City, or on Instagram @deadlytravel.

Julie Stephen Sherrier is a personal finance writer and editor based in Austin, TX. She is the former senior managing editor for LendingTree, responsible for all credit card and credit health content. Before joining LendingTree, Julie spent more than a decade as the managing editor and then editorial director at Bankrate and CreditCards.com. She also served as an adjunct journalism instructor at the University of Texas at Austin.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

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Which purchases count as travel with Chase Sapphire Preferred and Chase Sapphire Reserve?

Editor's Note

Thanks to its plethora of premium travel perks, the Chase Sapphire Reserve is well-known in the travel credit card space. The Chase Sapphire Preferred is the Sapphire Reserve's mid-tier sibling that features a $95 annual fee — which is also the more affordable card considering the Reserve's annual fee is $550 — and remains a top pick, winning Best Travel Rewards Credit Card for the sixth straight year at the 2023 TPG Awards .

No matter which Sapphire card you have, Chase clearly defines what counts as travel. Both cards generously award for travel booked through the Ultimate Rewards portal and all other travel purchases.

We'll go over the purchases that count (and don't count) toward earning bonus points in this guide.

How many points do the Chase Sapphire Reserve and Preferred cards earn on travel?

The Chase Sapphire Reserve awards 10 points per dollar on hotels and car rentals booked through the Ultimate Rewards portal and 5 points per dollar on flights booked through the Ultimate Rewards portal.

But suppose you're looking to book directly with the airline, hotel or another company or get awarded for other travel purchases like taxi rides and parking fees. In that case, you'll still earn 3 points per dollar on these purchases.

The Sapphire Preferred earns 5 points per dollar on all travel purchases booked through the Ultimate Rewards portal and 2 points per dollar on other travel purchases.

You'll also earn a boosted rate of 10 and 5 points per dollar spent on Lyft rides on the Reserve and Preferred, respectively (through March 2025).

'Travel,' according to Chase

The Ultimate Rewards portal is powered by Expedia , allowing you to book various types of travel. For "all other travel purchases," here's how Chase defines it:

Merchants in the travel category include airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages.

Compared to bonus categories from other credit cards, Chase's travel category is extremely generous.

While cards such as the American Express® Gold Card and The Platinum Card® from American Express offer bonus points for airfare purchases made directly with the airline (with a spending cap of $500,000 on the Amex Platinum per calendar year), the Sapphire Preferred and Reserve cards let you earn a bonus on virtually every trip-related charge.

The travel category encompasses a wide variety of purchases, from hotels and airfare (which doesn't have to be booked directly with the airline) to cruises, tolls and even parking fees. Uber and Airbnb purchases count as travel as well.

The following purchases do not apply toward the 2 or 3 points per dollar bonus categories on these cards, but most of them shouldn't be a huge surprise or disappointment:

Some merchants that provide transportation and travel-related services are not included in this category; for example, real estate agents, educational merchants arranging travel, in-flight goods and services, on-board cruise line goods and services, sightseeing activities, excursions, tourist attractions, RV and boat rentals, merchants within hotels and airports, public campgrounds and merchants that rent vehicles for the purpose of hauling. Purchases from gift card merchants or merchants that sell points or miles will not qualify in the travel category.

A few notable travel-related charges that have not been posted as travel for the purposes of bonus points with Chase for TPG staffers in the recent past include an RV rental as well as some vacation rentals via Vrbo and similar services. Whether a vacation home rental automatically codes as travel depends on whether an individual or a conglomerate operates it. In the latter case, that charge may code as "professional services" instead of travel.

If you're ever unsure whether a given purchase counts as travel, it could be worth making a small charge and checking whether it earns any bonus points on your online Chase account.

Additionally, suppose you feel like a travel purchase should have earned bonus points but didn't. In that case, you can always try calling or secure messaging Chase and requesting consideration for that charge to be awarded points as a travel charge. Even if you don't get the outcome you're looking for, you'll at least get some clarity on how certain charges are coded and can plan future spending accordingly.

What does Chase typically count as travel purchases?

• Campgrounds
• Car rental agencies (excludes RV and boat rentals)
• Cruise lines
• Discount travel sites
• Parking lots and garages
• Passenger trains
• Toll bridges and highways
• Travel agencies
• Vacation rentals (including some VRBO rentals operated by an individual )

What does Chase typically not count as travel purchases?

• Educational merchants arranging travel
• Gift card merchants
• Inflight goods and services
• Merchants that rent vehicles for the purpose of hauling
• Merchants within hotels and airports
• Onboard cruise line goods and services
• Purchasing points or miles
• Public campgrounds
• Real estate agents
• RV and boat rentals
• Sightseeing activities
• Tourist attractions
• Vacation rentals ( some VRBO rentals operated by a conglomerate rather than an individual )

Bottom line

Cardholders of the Chase Sapphire Reserve and Chase Sapphire Preferred have plenty of opportunities to earn 3 or 2 points per dollar spent, respectively, on "other travel purchases." Based on TPG's valuations , that means you could be getting a return of up to 6.1% on these purchases, and you can put your points to use with Chase's airline and hotel partners .

On top of that, these Chase cards have some of the most generous travel and purchase protections on the market, making either card a valuable addition to your wallet.

Apply here: Chase Sapphire Reserve with a 60,000-point sign-up bonus after you spend $4,000 in the first three months of account opening Apply here: Chase Sapphire Preferred with a 60,000-point sign-up bonus after you spend $4,000 in the first three months of account opening

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How to Transfer Chase Ultimate Rewards Points – Maximize Value with the Right Transfer Partner

Ariana Arghandewal

Travel Expert

Ariana Arghandewal is a travel rewards expert and founder of Pointchaser.com, an award-winning blog. She has over a decade of experience writing about personal finance and travel rewards. She is passionate about helping people leverage credit cards to achieve their travel goals. Her work has appeared in numerous publications, including Bankrate, Business Insider, CNN Underscored, Forbes Advisor and Lonely Planet.

Ashley Parks

Associate Editor

Ashley is an associate editor at Newsweek, with expertise in consumer lending. She is passionate about producing the most accessible personal finance content for all readers. Prior to Newsweek, Ashley spent almost three years at Bankrate as an editor covering credit cards, specializing in transactional content along with subprime and student credit.

To learn more about Ashley and her work, you can visit her personal website at ashleyparks.com.

Updated April 24, 2024 at 2:47 pm

Transferring Chase Ultimate Rewards Points is a savvy way to maximize their value, granting flexibility and access to a wide array of travel redemptions. Chase offers a diverse selection of airline and hotel partners, allowing cardholders to transfer their points at a 1:1 ratio to 14 loyalty programs. Members can redeem points for flights, hotel stays and other travel expenses through partner programs, often yielding better value compared to cashback or statement credit redemptions.

Whether you’re aiming for a first class seat on an international flight or eyeing an all-inclusive resort in Cancun, the right Chase Ultimate Rewards transfer partner can unlock a world of travel opportunities. Here’s everything you need to know about how to transfer Chase Ultimate Rewards points:

Understanding the value of cash back is simple, but valuing airline miles or points redeemable for travel requires digging a bit deeper. At Newsweek, we’ve developed a common language to talk about the value of points and miles: our valuations.

Our valuations translate points into dollars and cents in a way that reflects reality. They are based on actual data across a balance of accessible redemption options, not just the aspirational first and business class redemptions that require a PhD in miles and points to book. The upshot is that our valuations help you understand the actual value you can easily get from your miles and points.

Vault’s Viewpoint

• Transferring Chase points and redeeming them for luxury travel is one of the best ways to maximize their value.
• Newsweek values Chase points between 1-1.62 cents each, though transferring them can unlock additional value.
• Chase points transfer to most programs instantly, though a few exceptions can take longer.

Value of Chase Points

Chase points are worth 1-1.62 cents each, depending on how you use them and which credit card you have. If you have a Chase Sapphire Reserve® , your points are worth 1.5 cents each when used for bookings redeemed through Chase Travel. If you have a Chase Sapphire Preferred® Card or Ink Business Preferred® Credit Card , your points are worth 1.25 cents each.

Chase points are worth 1 cent each redeemed for cash back, gift cards or merchandise. However, the best way to get more value from your points is by transferring them to one of Chase’s 14 airline and hotel loyalty partners . Regardless of which Ultimate Rewards-earning card you have, all transfers are 1:1. By transferring points to some of these programs and redeeming them for premium travel, you can get 1.62 cents or more in value per point according to our Newsweek valuation.

• Aer Lingus AerClub
• Air Canada Aeroplan
• Air France-KLM Flying Blue
• British Airways Executive Club
• Emirates Skywards
• Iberia Plus
• IHG One Rewards
• JetBlue TrueBlue
• Marriott Bonvoy
• Singapore Airlines KrisFlyer
• Southwest Airlines Rapid Rewards
• United MileagePlus
• Virgin Atlantic Flying Club
• World of Hyatt

How to Transfer Chase Ultimate Rewards Points: Step-by-Step

Transferring your Chase points to an airline or hotel loyalty program is pretty straightforward. You’ll need to have your loyalty program membership number handy. If you don’t have one yet, you’ll need to create one. Keep in mind that transfers to newly created accounts can take a little longer than usual. I learned this fact the hard way when my sister tried transferring Chase points to a newly created United MileagePlus account. It took days for the points to land, delaying our trip plans and creating extra hassle. Be mindful of this possibility and plan accordingly.

Without further ado, here’s a step-by-step look at how the Chase transfer points process works:

Step 1: Log into your Chase Ultimate Rewards account . Under the “Travel” tab, select “Transfer points to partners.”

Step 2: Select the program you want to transfer points to. Review the (then current) terms, scroll down to the bottom of the page and select “Transfer points.”

Step 3: Provide your loyalty account number, then hit “next.”

Step 4: Enter the number of Ultimate Rewards points you want to transfer, then hit “next.” Points must be transferred in 1,000-point increments.

Step 5: Confirm transfer details and submit your request.

After following these steps, you should log in to your loyalty program account and confirm that the points have indeed been transferred. Transfers can take longer to some programs, especially if you’re transferring them for the first time or it’s a new account. Transfers to Marriott Bonvoy can take up to 39 hours, so you’ll want to have a backup plan and avoid booking those awards too close to departure.

Should You Transfer Your Chase Points?

Transferring your Chase points can be an excellent way to redeem them for maximum value. Chase has 14 transfer partners, consisting of eleven airlines and three hotel loyalty programs. Points transfer 1:1 and sometimes Chase even offers bonus points when you transfer to specific programs. Offers like these can help you stretch your Chase points even further.

One of the best ways to redeem Chase points is by transferring them to airlines and hotels for luxury travel experiences. You can get well over 2 cents in value out of each point, making transfers an exceptional way to use these rewards. However, before transferring your Chase points, you should consider the following:

Compare Loyalty Program Rates Against Chase Travel

The Chase Travel portal allows you to redeem points towards the cost of flights, hotels, activities and even cruises. If you have a Chase Sapphire Reserve, your points are worth 1.5 cents each, while the Chase Sapphire Preferred gets 1.25 cents per point. Before transferring your points to one of Chase’s 14 loyalty partners, it’s worth comparing rates on the Chase Travel portal. You might end up redeeming fewer points through Chase Travel, especially during off-peak periods.

For example, hotel rates in New York City are notoriously low in January. Looking at point rates for the first week of January 2025, I found the Dream Midtown for 21,000 Hyatt points per night. Meanwhile, the same room costs $174 on the Chase Travel portal. Since I have a Sapphire Reserve card, I can book this hotel through Chase for just 11,585 points. This example shows how booking through Chase will save almost 10,000 points over transferring points to Hyatt. So, it’s important to compare rates against Chase Travel before transferring them.

Evaluate the Best Transfer Partners

Chase has numerous airline transfer partners, some of whom are in the same alliance. Sometimes, booking with Singapore Airlines Krisflyer miles requires fewer points than using United MileagePlus for the same flight. Whether you’re looking for alliance-specific flights or not, it’s essential to compare award redemption rates among Chase airline partners before transferring your points to any one program. Doing so ensures you’re getting the best deal possible.

Consider Transfer Bonuses

This idea is on par with choosing the best transfer partners: Sometimes, Chase offers bonus points when you transfer Ultimate Rewards points to a specific loyalty program. This option can significantly reduce the cost of your award ticket, saving you both points and cash. You can check current transfer bonuses by navigating to the transfer partner page in your Ultimate Rewards account. You’ll see the transfer bonus amount and the promotion end date if a promotion is ongoing.

For example, Chase offers a 25% bonus when you transfer points to Air France and KLM’s joint Flying Blue program. This promotion ends on April 30, 2024. If you have upcoming travel plans involving Flying Blue, this transfer promotion can be a great way to redeem your Chase Ultimate Rewards points.

Be Mindful of Transfer Times

While Chase points transfer instantly to most programs, Chase provides a disclaimer stating it can take up to seven days. Some exceptions can also impact your travel plans. For example, point transfers to Marriott Bonvoy can take up to 39 hours, which can impede your ability to secure award space if the hotel and dates are popular. While points transfer almost instantly to most airlines, first-time transfers can take longer.

The first time I transferred Chase points to United , it took almost two days to clear. The award I wanted to book was gone by the time the points landed in my account, making me wish I’d just redeemed points at 1.5 cents each towards a flight booked on Chase Travel. One workaround is to put award tickets on hold whenever possible. But if you’re booking travel close to departure, it’s best to have a backup plan and perhaps reconsider transferring points in case processing takes longer than expected.

Frequently Asked Questions

How do i combine chase points from different cards.

You can combine Chase points from different cards by logging into your Chase Ultimate Rewards account and selecting “combine points” under the “Rewards Details” tab. From there, you can choose the cards you want to transfer points between.

Is It Better To Transfer Chase Points to Airlines?

It’s better to transfer Chase points to airlines if you want to save money on flights, especially for business and first-class tickets. However, you can also get good value by transferring Chase points to hotel loyalty programs like World of Hyatt, IHG One and Marriott Bonvoy.

How Do I Transfer Chase Points to Another Family Member?

You can transfer Chase points to another family member if they’re a member of your household and an authorized user . You can transfer points to qualifying accounts by logging into your Ultimate Rewards account and navigating to the “Rewards Details” tab and selecting “combine points.”

Related Articles

Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. We may earn a commission from partner links on Newsweek, but commissions do not affect our editors’ opinions or evaluations.

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Chase Sapphire Preferred review: A standout travel card with impressive perks

Whether you just learned about travel credit cards on TikTok or are a seasoned pro at using rewards to reduce vacation costs, the Chase Sapphire Preferred® card is an excellent option to help you save on travel. It has a generous rewards program and new cardmember bonus and, if you use your card to book your airfare and accommodations, it also provides you with significant protections and added benefits.

However, the card has an annual fee and no promotional annual percentage rate (APR) for purchases or balance transfers. Whether the Chase Sapphire Preferred card would be a worthwhile addition to your wallet depends on your spending and travel habits.

Chase Sapphire Preferred Card

Annual fee : $95

Welcome offer : Earn 60,000 bonus points after spending $4,000 in the first three months

5x points on travel booked through Chase

5x points on Lyft rides (through March 31, 2025)

5x points on Peloton purchases over $150 (through March 31, 2025)

3x points on dining, select streaming services, and online grocery purchases

2x points on other travel purchases

1x points on everything else

More details : $50 annual hotel credit, 25% higher redemption value when you use points to book travel through Chase, and perks at partners like DoorDash, Instacart, Lyft, and Peloton.

The Sapphire Preferred’s variable APR ranges from 21.49% to 28.49%, depending on your credit.

The Chase Sapphire Preferred Card has an annual fee of $95. Even occasional travelers may find it easy to recoup that cost with the card’s added benefits.

Welcome offer

New card members can earn 60,000 bonus points after spending at least $4,000 on purchases within the first three months of opening an account. Those points are worth $750 if you use them to book travel through Chase.

You're only eligible for the bonus if you haven't received another Chase Sapphire card member bonus — such as from the Chase Sapphire Reserve Card — within the past 48 months.

This card doesn’t offer a 0% introductory APR on purchases or balance transfers. The standard APR applies right away.

Rewards rate

You can earn the following rewards with the Chase Sapphire Preferred Card :

5x points on travel purchased through Chase Travel

3x points on dining, including qualifying delivery services and takeout

3x points on groceries purchased online (excluding wholesale clubs, Target , or Walmart )

3x points on select streaming services

1x points on all other purchases

How to earn rewards

You’ll earn points on every purchase you make with the Sapphire Preferred Card . However, you can maximize your earnings by booking travel like flights, hotels, and rental cars through Chase — this nets you 5x points, compared to the 2x points you earn when booking elsewhere.

In addition, dining will net you 3x points, whether you dine in a restaurant, drop in for takeout, or order through an eligible delivery service. If you frequently purchase groceries online, you could also reap larger rewards. However, popular retailers like Target or Walmart don’t qualify.

You don’t earn rewards on any credits, cash advances, or balance transfers .

How to redeem rewards

The Chase Ultimate Rewards program offers several ways to cash in your points, offering more flexibility than some other cards. But, using your points to book travel through Chase or transferring them to a loyalty program partner can maximize your point value.

If you redeem your points through Chase Travel, you’ll receive a 25% bonus on your points’ value. But if you don’t find what you’re looking for there, you can transfer your points directly to a partner airline or hotel. Points transfer at a 1:1 ratio to over a dozen travel partners.

In addition, you can cash in your points via:

Statement credits

Credits for qualifying purchases

Amazon and Apple purchases

Bookings made through Chase Experiences or Chase Dining

Additional benefits

You’ll earn an annual $50 credit after booking a hotel through Chase Travel. Maxing out that perk alone essentially cuts the annual fee in half.

In addition, you earn bonus points on your account anniversary each year. Get a bonus equal to 10% of your spending over the last 12 months. If you spent $20,000 on the card last year, for example, you’ll get a 2,000-point anniversary bonus.

The Chase Sapphire Preferred Card is an excellent card to take with you when you travel. It doesn't charge foreign transaction fees, making it especially useful if you're traveling outside of the U.S. Plus, it provides the following travel benefits:

Trip cancellation/interruption insurance: If you use your card to pay for your travel and your trip is canceled or interrupted due to weather, illness, or other covered events, you'll be reimbursed up to $10,000 per person and up to $20,000 per trip for non-refundable expenses like fares and hotel stays.

Baggage delay insurance: If your baggage is delayed by six hours or more when traveling by a passenger carrier, get reimbursed up to $100 per day for up to five days.

Auto rental collision damage waiver: The card provides primary coverage against theft or collision damage if you decline the car rental company's insurance and pay for the entire cost with your card.

Trip delay reimbursement: If your travel on a common carrier is delayed by 12 hours or more, the card will reimburse you for food and lodgings, up to a maximum of $500 per ticket.

Travel and emergency assistance: If you need help while traveling, you can call a benefits administrator for legal and medical referrals, but you're responsible for the cost of any services provided.

The Sapphire Preferred also provides the following benefits:

Purchase protection: New purchases made with the card are covered against theft or damage for up to 120 days for up to $500 per claim and $50,000 per account.

Extended warranty: On purchases with warranties of three years or less, the card will extend the warranty.

Partner benefits: For a limited time, you can take advantage of the following:

5x points on Lyft rides through March 31, 2025

5x points on purchases of $150 or more of Peloton equipment (up to a maximum of 25,000 points) through March 31, 2025

Six months of complimentary membership to Instacart+ if you enroll by July 31, 2024

Get a complimentary DoorDash and Caviar membership and take advantage of $0 delivery fees if you enroll by Dec. 31, 2024

Who is the Chase Sapphire Preferred best for?

While frequent travelers should easily recoup their costs with the rewards they earn, you don’t need to travel every month to get good use out of the Sapphire Preferred . Even occasional vacationers can come out ahead with a little planning.

Consider the card’s welcome bonus of 60,000 points after spending at least $4,000 in the first three months. Those points are worth $750 when redeemed through Chase Travel — enough to offset the $95 annual fee for the first seven years. Add in the card’s numerous other perks, including an annual $50 hotel credit, and it’s easy to see how many people could use this card to their advantage.

However, if you rarely travel or don’t often spend in the card’s bonus reward categories, you may not have much use for this card. The same goes for applicants who aren’t eligible for the welcome bonus or who might struggle to spend the $4,000 necessary to earn it. If you fall into any of these categories, you may have to work a little harder to make this card worthwhile.

Chase Sapphire Preferred pros

Competitive earning categories: This card offers solid rewards for both travel and everyday categories. If you can maximize these on a regular basis, you could quickly rack up points.

Bonus redemption value : Redeeming your points through Chase Travel offers a 25% bonus in your points’ value. That means you can stretch your rewards farther and get more bang for your buck.

Transfer partners : If you prefer to book travel directly with the provider, it’s easy to transfer your points to more than a dozen airline and hotel partners. Doing so could increase the value of your rewards even more, depending on what you redeem them for.

Travel protections: Frequent travelers may be put at ease by the Sapphire Preferred’s ample travel insurance and reimbursement opportunities. Notably, the card offers primary rental car coverage ; many travel cards only offer secondary coverage for rentals, meaning any claims must go through your personal car insurance first before the card’s insurance will kick in.

Chase Sapphire Preferred potential cons

No promotional APR: Unlike many cards, the Sapphire Preferred doesn't have a promotional APR offer on purchases or balance transfers.

Annual fee: While there are many rewards cards without annual fees , this card has a $95 annual fee. Make sure the rewards and perks you earn outweigh that cost.

High-value redemption options may be limited: You must redeem your points for travel through Chase or transfer points to a travel partner to get the most value for your rewards. Other redemption methods, such as gift cards or statement credits, give you less value for your points.

High spending requirement for new cardmember bonus: The new cardmember bonus is relatively high, but it requires you to spend at least $4,000 within three months of opening an account. That works out to about $1,330 a month in purchases, which may be out of some cardholders’ typical budgets.

Where can you use the Chase Sapphire Preferred Card?

The Chase Sapphire Preferred Card is a Visa card, meaning it belongs to the largest credit card network. It's accepted by most physical and online retailers.

How to make a Chase Sapphire Preferred payment

You can make a payment online, through the Chase mobile app, over the phone or by mail:

Online or in-app: Visit chase.com/paycard or download the Chase app and log into your account to make a payment via a linked checking or savings account.

Phone: You can make a payment 24 hours a day, seven days per week, through Chase's automated phone line at 1-800-436-7958.

Mail: Mail a check or money order to the following address: Cardmember Services P.O. Box 6294 Carol Stream, IL 60197-6294

Chase Sapphire Preferred customer service info

To get help with your account, contact customer support through the following methods:

Phone: 1-800-432-3117

Chase’s credit card resource center

Chase Sapphire Preferred login page

Alternative cards to consider

Capital one quicksilver cash rewards credit card.

Why we like it: The Quicksilver Cash Rewards card stands out for its straightforward 1.5% cash back on all purchases, offering simplicity compared to the Chase Sapphire Preferred's category-based reward system. With no annual fee, it’s also a more cost-effective option for those who prefer a hassle-free experience. Additionally, its flexible redemption options, allowing cash back to be redeemed in any amount at any time, provide greater accessibility and convenience for users.

Read a comparison of the Quicksilver Cash Rewards card .

Chase Sapphire Reserve®

Why we like it : The Chase Sapphire Reserve offers significantly higher rewards, particularly with its 3x points on travel and dining worldwide, compared to the Sapphire Preferred's 2x points in these categories. Its inclusion of a $300 annual travel credit — the first $300 spent goes toward the $300 annual travel credit — effectively offsets a substantial portion of the higher annual fee, making it more valuable for frequent travelers. Additionally, the Reserve provides superior travel benefits like access to over 1,300 airport lounges worldwide through Priority Pass Select, enhancing the overall travel experience.

Read our full review of the Chase Sapphire Reserve .

Blue Cash Everyday® Card from American Express

Why we like it : The Blue Cash Everyday Card from American Express is appealing for its strong cash-back rates in everyday spending categories, offering 3% at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). This is more beneficial for typical shoppers compared to the Sapphire Preferred, which only offers bonus grocery rewards for online orders.

It also stands out with a $0 annual fee, making it a cost-effective choice for budget-conscious consumers. Plus, the card’s introductory 0% APR on purchases and balance transfers for the first 15 months is a significant perk that the Sapphire Preferred doesn’t offer. (See rates and fees .)

This article was edited by Alicia Hahn

Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information. This site doesn't include all currently available offers.

Why the Chase Sapphire Reserve and Ink Business Preferred combo is perfect for couples who travel

T he Chase Sapphire Reserve® and the Ink Business Preferred® Credit Card are two of our favorite travel rewards cards . Most travelers only get one of these cards, but there is an argument for some households to have both cards.

In particular, some couples may benefit by one person getting the Chase Sapphire Reserve and the other person getting the Ink Business Preferred . These cards can form the perfect combination for couples who sometimes travel separately or use travel providers that require travelers to use a credit card in their name when booking travel. Here's why.

Card benefits

The Chase Sapphire Reserve and Ink Business Preferred each provide valuable perks. Here's a quick overview of these two cards:

Both cards also offer valuable travel insurance , including trip delay reimbursement , baggage delay insurance , lost luggage reimbursement and trip cancellation and interruption insurance .

However, the travel insurance offered by the Chase Sapphire Reserve is slightly better. For example, if you pay for your common carrier fare with the Ink Business Preferred, trip delay reimbursement requires a 12-hour (or overnight) delay. In contrast, if you pay with the Chase Sapphire Reserve, it only requires a six-hour (or overnight) delay.

Related: The power of the Chase Trifecta: Sapphire Reserve, Ink Preferred and Freedom Unlimited

2 is better than 1

You might consider getting the Chase Sapphire Reserve and paying an additional $75 annual fee to add your partner as an authorized user .

After all, Chase Sapphire Reserve authorized users get a card in their name, including access to the standard earning rates and travel insurance when using the card, and a Priority Pass Select membership .

But by paying a slightly higher combined annual fee, your partner could get their own Ink Business Preferred . They'd need to be eligible for a small-business card , but many hobbies and side hustles can qualify you for a small-business card.

The Ink Business Preferred's current sign-up bonus — 100,000 bonus points after spending $8,000 on purchases in the first three months after account opening — is certainly appealing. Based on TPG's valuations , this bonus is worth about $2,050.

By getting and keeping both cards, you'll also get access to two sets of Chase Offers . And you'll have two separate accounts that earn well on travel purchases if one of your cards becomes compromised while traveling together.

Related: Why you should carry a backup credit card while traveling

Transfer rewards between accounts

You might worry that one negative of you and your partner having multiple Chase cards is that your points will be separated. But Chase lets you combine Chase Ultimate Rewards points with "another Chase card with Ultimate Rewards belonging to you or one member of your household or owner of the company."

So, you can combine your points if your partner is a household member. This is particularly important if you want to redeem points for travel through the Chase Travel portal since Chase Sapphire Reserve accounts can do so at a rate of 1.5 cents per point — 0.25 cents per point higher than the rate you'd get if you redeemed from an Ink Business Preferred account.

But it's also useful if you plan to redeem your Ultimate Rewards points by transferring to one of Chase's 14 transfer partners . After all, you can only transfer points to "partner program accounts belonging to you or one additional household member who is listed as an authorized user on your Chase credit card account."

So, if your partner needed more Air France-KLM Flying Blue miles to book an award flight and doesn't have enough Ultimate Rewards points in their account, you could move Ultimate Rewards points from your account to theirs (even if they aren't an authorized user on your account). Then, they could transfer Ultimate Rewards points to Flying Blue for their redemption.

Related: How to redeem Chase Ultimate Rewards points for maximum value

Alternate combinations

You might wonder whether you could replace either of the cards in this combination and still get similar benefits. Here's a look at two alternate combinations you might consider:

Chase Sapphire Preferred Card instead of the Chase Sapphire Reserve

You might consider getting the Chase Sapphire Preferred® Card instead of the Chase Sapphire Reserve. After all, the Chase Sapphire Preferred Card has a significantly lower $95 annual fee, doesn't charge an additional fee for authorized users and offers 3 points per dollar on online grocery purchases and select streaming services.

But, the Chase Sapphire Preferred only gives 1.25 cents per point when you redeem for travel booked through the Chase Travel portal (whereas the Chase Sapphire Reserve gives 1.5 cents per point). And the Chase Sapphire Preferred Card earns fewer points than the Chase Sapphire Reserve on most travel.

Plus, the Chase Sapphire Reserve provides a Priority Pass Select membership and an up to $100 Global Entry ( increasing to $120 in October), TSA PreCheck or Nexus application fee credit every four years.

Related: Chase Sapphire showdown: Sapphire Preferred vs. Sapphire Reserve

Chase Sapphire Preferred Card instead of the Ink Business Preferred

You might also consider getting the Chase Sapphire Preferred instead of the Ink Business Preferred , especially if you aren't eligible for a business credit card .

The two cards offer similar travel insurance and annual fees. And the Chase Sapphire Preferred offers some additional bonus categories and up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Travel.

But, if you opt for the Chase Sapphire Preferred instead of the Ink Business Preferred, you'd miss out on the Ink Business Preferred bonus categories. In particular, you'd earn less on most travel purchases.

Related: Why I chose the Ink Business Preferred over the Chase Sapphire Reserve

Bottom line

The Chase Sapphire Reserve and the Ink Business Preferred card combination is a good choice for couples who travel frequently. In particular, this combination is best for couples who sometimes travel separately and often need to book travel on a card in their name.

However, some couples may get better value from an alternate card combination or from simply opening one card account and adding an authorized user . So, consider how you'll use your cards and redeem your rewards when deciding on a credit card strategy .

Related: How to complete a Chase business credit card application

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology .

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Chase Sapphire Preferred Card Travel Insurance – 10 Frequently Asked Questions [2024]

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Chase Sapphire Preferred Card Overview

Recap of chase sapphire preferred card travel insurance, travel accident insurance, trip cancellation and interruption insurance, 2. does chase sapphire preferred card travel insurance cover cruises, 3. what does the chase sapphire preferred card baggage insurance cover, 4. what does the chase sapphire preferred card medical insurance cover, 5. does the chase sapphire preferred card cover hotel cancellations, 6. does the chase sapphire preferred card cover airbnb cancellations, 7. does chase sapphire preferred card travel insurance cover rental cars in other countries, 8. does the chase sapphire preferred card cover turo or zipcar rentals, 9. how do i file a chase sapphire preferred card travel insurance claim, 10. do i need travel insurance if i have the chase sapphire preferred card, final thoughts.

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The Chase Sapphire Preferred ® Card remains one of the most popular travel rewards credit cards for numerous reasons. Alongside excellent earning rates and a fair amount of benefits that justify the $95 annual fee, the card also offers numerous shopping and travel insurance benefits.

If you’re like most people, you hear the word “insurance,” and your eyelids start feeling heavy. Let’s be honest: Insurance isn’t thrilling. The terminology can feel confusing, leaving you with many questions about what exactly the travel insurance on your Chase Sapphire Preferred card does and doesn’t cover.

You have questions, and we have answers. Here’s a simple look at your most common questions about travel insurance on the Chase Sapphire Preferred card.

Chase Sapphire Preferred ® Card

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide
• $50 annual credit on hotel stays booked through the Chase Travel portal
• 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
• Excellent travel and car rental insurance
• 10% annual bonus points
• No foreign transaction fees
• 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Financial Snapshot

• APR: 21.49%-28.49% Variable
• Foreign Transaction Fees: None

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• Amex Gold vs Chase Sapphire Preferred

Before moving any further, let’s ensure you’re familiar with the long list of travel protections built into the Chase Sapphire Preferred card :

• Auto rental collision damage waiver
• Baggage delay insurance
• Lost luggage reimbursement
• Travel accident insurance
• Trip cancellation and trip interruption insurance
• Trip delay reimbursement

You’ll also enjoy several other cardholder benefits and protections beyond travel insurance :

• Extended warranty protection
• No foreign transaction fees
• Purchase protection
• Roadside dispatch
• Travel and emergency assistance

Some of the benefits seem more obvious than others. And, as with all insurance, there are always specific terms to understand, exclusions to mind, and coverage limits . Let’s clear some of those up.

1. What Flight Insurance Does the Chase Sapphire Preferred Card Have?

When flying, you’ll have 2 types of insurance: travel accident insurance and trip cancellation and interruption insurance. Both types are in effect for trips for which you paid at least a portion of the cost with your Chase Sapphire Preferred card. Let’s look at each benefit.

Travel accident insurance applies to you and your immediate family members if one of you becomes permanently injured or dies while traveling. The cardholder benefit guide lists specific dollar amounts that you can be paid for specific injury types. The coverage is further divided into 2 categories: traveling on a common carrier and 24-hour coverage .

Coverage related to a common carrier covers both injuries and death resulting from your travel on a licensed air, land, or sea transport that regularly carries paying passengers . Think planes and ferries, for example. You’ll also be covered while at an airport, terminal, or station immediately before or after a trip, including courtesy transport to or from these places if provided as part of your trip. If your flight booking includes the airline picking you up from the hotel, this could be covered if all other conditions are met.

The 24-hour coverage applies around the clock and is valid on trips of up to 30 days. If you take a trip longer than this, coverage will end 1 minute after midnight on the 31st day, though it would come back into effect when you are in transportation to the airport for your flight home. If you drive yourself to the airport, coverage should resume once you are inside the airport .

This benefit reimburses you for the money you lose when a trip paid for (in whole or part) with your card is interrupted or canceled. Trip interruption is when you’ve started the trip and must end it early for a covered reason; trip cancellation applies to canceling a trip before it begins. The maximum benefit payout here is $10,000 per person and up to $20,000 per trip. Both the cardholder and immediate family members are covered.

Trip cancellation coverage begins when you make your first deposit toward the trip and ends when you depart on your scheduled departure date. Trip interruption starts on your scheduled departure date and ends on your scheduled return date. However, if these dates or times are adjusted for reasons beyond your or the carrier’s control, the benefit will adjust automatically .

What expenses are reimbursable? They include nonrefundable, prepaid travel expenses by a licensed supplier, such as a travel agency, hotel, shore excursion agency, etc. When canceling for a covered reason, you’re also covered for redeposit fees to get your airline miles back. Unfortunately, this benefit doesn’t cover lost money you paid for tickets to shows or theme parks, tee times at golf courses, museums, or other entrance fees unless they’re part of a tour package.

You’ll be covered for a few more situations with trip interruption coverage only . These include fees for returning a rental car early or to the nearest facility and up to $250 of expenses to transport you for necessary medical treatment. However, that doesn’t include medical transport (such as ambulances or medevac).

What if you paid with Chase Ultimate Rewards points and are due a refund under these benefits? You’ll be reimbursed according to the value on your travel supplier’s confirmation receipt, assuming that’s listed. If there’s no trip value listed on the receipt after you paid with points, you’ll be reimbursed at a value of 1 cent per point.

Covered Reasons

Not every reason for canceling a trip or ending it early is covered under these benefits. Covered reasons include accidental death or injury, a sickness requiring hospitalization, severe weather, a named storm warning, a change in military orders, a subpoena or call to jury duty, your home being burglarized or becoming uninhabitable, your hotel becoming uninhabitable, a public transportation strike that makes you miss 20% of a trip or a scheduled tour departure, and more. Consult the Chase Sapphire Preferred card benefits guide to see if your specific cancellation or interruption reason is covered.

Trip cancellation insurance doesn’t cover everything. For example, changing your mind about a trip is not covered. If your plans are subject to change, you may want to purchase Cancel for Any Reason (CFAR) travel insurance .

This part is a bit confusing, but yes. Chase’s benefits guide for the Chase Sapphire Preferred card states explicitly that cruise lines aren’t included in the definition of a “common carrier.” However, cruise lines are included in the definition of a “travel supplier.”

Why does this matter? Many of the trip cancellation and trip interruption benefits only apply to travel with a common carrier, which doesn’t include cruise lines. However, some benefits do apply to cruises . These include stolen luggage benefits or even canceling a trip if delays mean you’ll miss at least 20% of the trip or that you’ll miss the departure of your cruise ship.

The travel accident and injury benefits also apply while you’re cruising, but it’s worth noting that returning late to your cruise ship, only to find it’s left for the next island without you, isn’t a covered expense. You’ll be on your own for the costs of catching up to your ship.

There are 2 types of baggage protection here: coverage for delayed bags and coverage for lost, stolen, or damaged luggage. Baggage delay insurance covers up to $100 per day for up to 5 days when your bags are delayed by at least 6 hours, covering each additional 24 hours past that until the maximum of 5 days is reached. This benefit applies to you and your immediate family members when you pay for at least part of your trip with your Chase Sapphire Preferred card. You don’t need to be traveling with your immediate family members for them to be covered , as long as at least part of their trip was paid for with your card, which can be a nice perk if you book travel for relatives.

Coverage begins on the scheduled departure date and ends on the scheduled return date, though coverage adjusts automatically if there are changes outside your or the travel provider’s control. There’s also a list of non-covered items, such as medical devices, losses due to war/conflict, electronics, and cash equivalents. In case of baggage delay, you must report it to the travel provid er as soon as possible and keep receipts for necessary expenses you incur ; you’ll submit these for reimbursement afterward.

Lost luggage reimbursement is different; it covers lost, stolen, or damaged luggage during your trip. Both checked and carry-on bags are covered up to a maximum of $3,000 per person per trip. However, there’s a limit of $500 for jewelry, watches, and electronics.

There are some specifics to understand about this coverage, however. First, it doesn’t cover items you leave behind by accident . Second, coverage applies to you and immediate family members (even if you aren’t traveling with them) so long as you paid for at least part of the trip with your Chase Sapphire Preferred card. Coverage is available from the scheduled start to the scheduled end of your trip, but it is automatically adjusted if there are uncontrollable delays to either date.

Coverage applies to common carriers and cruise lines, and you must report the loss, theft, or damage within the timeframe specified by your travel provider. Then, the coverage on your Chase Sapphire Preferred card will cover any difference in the value of your monetary loss (after depreciation of the items) and the payment you receive from the travel provider . Thus, this is secondary coverage. It’s worth noting that documents, furs, tickets, and cash-like items aren’t covered.

Accidents can happen on any trip, from accidentally slipping on the wet deck of a cruise ship to spending nights in a hospital at a far-flung destination. Does your health insurance at home cover you when you head to Florida? What about South America? These are questions worth asking. If your medical coverage won’t be in effect, it’s worth considering medical travel insurance .

The Chase Sapphire Preferred card includes travel accident insurance for you and your immediate family members . It’s in effect if you pay at least part of the airfare for your trip with this card. You’ll receive varying maximum payouts depending on the type of injury (or death) encountered during your trip, and the maximum limit also depends on whether the accident occurs while traveling on a common carrier or at some other point during your trip . The 24-hour benefit provides maximum coverage of $100,000, increasing to $500,000 when traveling on a common carrier.

But how does this work in practice?

If more than 1 person is injured , the benefits administrator will pay no more than 2 times the maximum limit for each type of injury. That sum will be divided among all covered persons eligible for benefits payments.

In case of death , the benefits administrator will give the money to your named beneficiary. If you haven’t named a beneficiary, the order of preference goes from a spouse or domestic partner to children, then parents, siblings, and finally, your estate. If you go missing and haven’t been found after a year, then this will trigger the “loss of life” benefit.

Coverage begins either when you reach the airport, station, or terminal for travel on a common carrier or when you enter courtesy transportation provided to take you to the point at which your trip begins, such as a train station or airport. If you didn’t buy your tickets in advance but are purchasing them when you arrive at the station, coverage begins once you make the payment for travel. Coverage ends after you leave the transportation vessel or exit the courtesy transportation provided afterward.

The 24-hour coverage functions a bit differently. It’s in effect around the clock for up to 30 days, starting from your scheduled departure for air travel. If your trip is longer than 30 days, coverage will pause 1 minute after midnight on the 31st day and resume when you reach the airport for a flight home or are in courtesy transportation to the airport for the flight home.

Obviously, there are exclusions. You aren’t covered if you’re a pilot or crew member on a flight, you get injured while committing a crime, you get injured while skydiving, your injury is self-inflicted, or you’re injured in a war.

Lastly, you may wonder how COVID-19 factors in . The benefits guide says this under covered losses: “Quarantine of you or your traveling companion imposed by a physician or a competent governmental authority having jurisdiction, due to health reasons.”

Thus, your illness could be covered if a doctor or government requires quarantine related to COVID-19. COVID-19 is generally covered under most travel insurance policies in the same way sicknesses are covered. However, not traveling to avoid COVID-19 risks isn’t covered. As the benefits guide says, “Your disinclination to travel, a country closing its borders, or a travel supplier canceling or changing travel arrangements due to an epidemic or pandemic.”

Hotels aren’t treated separately under the Chase Sapphire Preferred card travel insurance terms. If you must cancel or interrupt a trip for a covered reason, then your hotel cancellation fees can be covered. This would include situations like forfeiting a first night’s room cost for canceling your hotel booking at the last minute, assuming you couldn’t arrive for a covered reason, such as a travel delay or a last-minute injury that made you unable to travel.

While you won’t find the word “Airbnb” or even “vacation home” in the benefits guide, you will find a description that covers these types of rentals :

“Provider of Lodging – a hotel, inn, motel, bed and breakfast, or hostel; a Provider of Lodging includes non–commercial time shares, condominiums, or rentals of a private residence; such rental shall require a written contract between You and the property owner or management company, executed in advance of the commencement of the rental period …” Chase Sapphire Preferred card benefits guide.

So long as you’ve reserved your rental in advance and have a written contract — which Airbnb provides at the time of booking, courtesy of your confirmation details — your vacation home rental should count as a type of lodging. The contract must state the cancellation provisions, must not include a rental of more than 60 days, and your booking must be made directly with a licensed website or agent — not with the homeowner directly (unless that person is a licensed agent).

Airbnb is a covered lodging type, meaning your booking should qualify for trip interruption, trip cancellation, and trip delay coverage .

In short, yes. However, there are some exclusions. Since your personal auto insurance policy may not cover you abroad, it’s great to know that paying with your Chase Sapphire Preferred card and declining the rental company’s collision damage waiver can provide protection on your next rental .

You can be covered up to the actual cash value of most rental cars against theft or collision damage. Coverage can include administrative fees, loss-of-use charges, and even towing charges. Coverage applies to rentals up to 31 days and covers you plus any additional drivers listed on the rental contract .

You’ll need to use your card (or your points) to pay for the entire cost of the rental , and most vehicle types are covered by this primary insurance. However, coverage doesn’t apply to exotic or antique cars, high-value vehicles, cargo vehicles, motorcycles, RVs, or vans with seating for more than 9 people (including the driver). Note that Teslas qualify as high-value vehicles, so these aren’t covered .

The benefits guide doesn’t spell out any specific excluded countries . However, Visa typically excludes coverage in Israel, Jamaica, and Northern Ireland, plus you may not be able to use your card to pay for a rental (and thus coverage won’t be in effect) with U.S. Treasury Department monetary embargoes . These destinations include places where your credit cards won’t work, such as Cuba, Sudan, Syria, and North Korea.

Unfortunately, no. Because Turo and Zipcar rentals aren’t considered rentals from a rental car agency, most credit card rental car insurance doesn’t cover them .

To file a claim, you should first gather all of the documents related to your claim . These can include receipts, accident reports, police reports, photos, hospital records, or anything else pertinent to the type of claim you’re making.

Next, you can call the benefits administrator at 866-390-9735 or visit eclaimsline.com to submit online . Different claims have different required timelines. For example, auto claims must be filed within 100 days of the incident. However, you need to file within 90 days for baggage delays or losses, but you’re supposed to contact the benefits administrator within 20 days of these incidents to at least provide notice, even though you have 90 days to finish submitting the claim.

This question will be subjective, and different people will arrive at different conclusions. Travel insurance can be useful for the unexpected, but no 2 trips are equal. The best way to decide whether you need additional insurance beyond what the Chase Sapphire Preferred card offers is to look at what it doesn’t cover.

Will you be skydiving? Do you have significant trip expenses related to Turo rentals or short connections that could cause domino effects if you miss a departure time? Are you renting an RV or going camping — types of travel not covered by the Chase Sapphire Preferred card?

If you have prepaid, nonrefundable expenses that wouldn’t be reimbursed by your credit card’s travel insurance in the event of delays or cancellations, getting a travel insurance policy that covers these could be a good idea and could provide peace of mind. That said, not every travel activity is covered by every travel insurance policy, so you want to make sure you choose a policy that covers your expenses for your particular trip .

If you look at your trip and decide that your flights, hotel plans, and simple plan of just relaxing at the beach will be covered by the Chase Sapphire Preferred card, then purchasing an extra policy probably isn’t necessary.

The Chase Sapphire Preferred card offers numerous protections for purchases and trips. Insurance terms can feel confusing, but hopefully, the explanations of these policies should clarify what is and isn’t covered, as well as policy limits, in a way that helps you know whether the coverages are sufficient for your upcoming travels.

Want to learn more about what else this card offers beyond travel insurance? Consult our full Chase Sapphire Preferred card review .

Frequently Asked Questions

Does the chase sapphire preferred card have trip insurance.

Yes, it has several types of travel protections. Cardholders get rental car insurance, baggage delay insurance, lost and damaged luggage reimbursement, travel accident insurance, trip cancellation and interruption insurance, and trip delay reimbursement.

How to file a claim with the Chase Sapphire Preferred card travel insurance?

You can call the benefits administrator at 866-390-9735 or visit eclaimsline.com to submit online. Each claim type has different required documents and a different required submission timeline, so check your benefits guide for your specific claim type.

Does the Chase Sapphire Preferred card reimburse for travel cancellation?

Yes, you can be reimbursed for monetary losses of up to $10,000 per person and up to $20,000 per trip if you cancel for a covered reason. You’ll need to pay for at least part of your trip with your Chase Sapphire Preferred card, and the cancellation must be for a covered reason, such as death, injury, or being called to active military duty.

What insurance does Chase Sapphire Preferred card cover?

The Chase Sapphire Preferred card has several types of travel protections. Cardholders get rental car insurance, baggage delay insurance, lost and damaged luggage reimbursement, travel accident insurance, trip cancellation and interruption insurance, and trip delay reimbursement. Cardholders also get shopping insurance benefits, such as purchase protection and extended warranty protection, plus other benefits like roadside dispatch and travel and emergency assistance services (though these are pay-per-use benefits).

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About Ryan Smith

Ryan completed his goal of visiting every country in the world in December of 2023 and now plans to let his wife choose their destinations. Over the years, he’s written about award travel for publications including AwardWallet, The Points Guy, USA Today Blueprint, CNBC Select, Tripadvisor, and Forbes Advisor.

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How to use the chase travel portal.

One of the many perks of using a Chase branded credit card is the opportunity to earn and redeem points for travel-related purchases. What’s more, did you know that you could maximize your points value and reap even more rewards points by booking through the Chase Travel portal?

To make the most of your purchases for travel, you can book your flights, hotels and more through the Chase Travel portal.

To help you navigate the rewards program, we’ll go over:

How to earn and redeem Chase Ultimate Rewards points

Accessing the chase travel portal.

• How to book flights through the Chase Travel portal

Booking hotels through the Chase Travel portal

How to book rental cars, cruises and other types of travel.

• The benefits of booking travel in the Chase Travel portal
• Additional tips and tricks for the Chase Travel portal

Chase Ultimate Rewards points are earned by using your Chase branded card on everyday purchases. When you use your Chase card(s), you can also earn points by making purchases on:

• Paid reservations
• Restaurant bookings
• Hotel reservations

Depending on the Chase credit card you use, you can be eligible for a wide range of perks and rewards. All Chase family cards, such as Freedom ® , Sapphire ® and Ink ® , earn points that can be redeemed on the Chase Ultimate Rewards portal.

To access the portal, go to the booking platform at www.chasetravel.com or login to your Chase Ultimate Rewards account and go to your Chase credit card’s main dashboard.

Next, click on the “Earn/Use” button where the number of points you have is listed. Choose “Travel” from the options listed, and this will take you to the travel portal.

How to book flights through Chase Travel portal

Rather than making your flight purchases externally, book your flights using the Chase Travel portal so you can get rewards on airfare. To do this, access the travel portal and search for the flight you want. You can filter your search by cost, airline, departure/arrival time and departure airport.

Once you’ve found the flight of your choice, select your option and purchase your flight using your Chase card. If you have Ultimate Rewards points available, you can use them to pay for all or part of your flight, and/or other travel-related purchases.

Similar to flights, you can redeem your Ultimate Rewards for hotel reservations. To do this, search by destination to see available hotels. You can narrow your search by filtering for price/amenities/ratings, type of property, number of bedrooms, neighborhood and more.

Select your hotel option, then continue to confirm your booking using your Chase card or redeeming your Ultimate Rewards to help make your purchases.

You can use the portal to book rental cars, activities and other travel-related purchases. To book a cruise line, you need to call directly.

For car rentals, be sure to use the appropriate points connected to your specific card to get additional perks, such as car insurance.

The benefits of booking travel in Chase Travel portal

Travel costs can add up easily, but if you’re using the portal to redeem your points, you are giving your points good use with certain cards. On the other hand, using the portal could also help you earn more points on your purchases. For example, you can get even more points on flights if you book through portal. These points can later be redeemed on your future travels.

Chase Travel portal summary

No matter where your next adventure takes you, use the Chase Travel portal to book hotels, flights and more. Earning points through the portal can unlock future opportunities for you to take trips in one platform.

• card travel tips

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Chase Sapphire Preferred Review: Nearly a Must-Have for Travelers

What’s on This Page

The bottom line, pros and cons, detailed review, compare to other cards, benefits and perks, drawbacks and considerations, how to decide if it's right for you.

The big sign-up bonus and high-value points have long made this a favorite among travelers.

Rewards rate

Bonus offer

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Ongoing APR

APR: 21.49%-28.49% Variable APR

Cash Advance APR: 29.99%, Variable

Penalty APR: Up to 29.99%

Balance transfer fee

Either $5 or 5% of the amount of each transfer, whichever is greater.

Foreign transaction fee

• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

New cardholder bonus offer

Bonus categories

Primary rental car coverage

Flexible rewards redemption

Transfer partners

Has annual fee

Requires good/excellent credit

Complicated rewards

For travelers, the $95 -annual-fee Chase Sapphire Preferred® Card stands out as a versatile and valuable choice.

With this card, you can earn rewards — known as Ultimate Rewards® points — in a variety of ways and redeem them strategically for travel, like transferring those points to a variety of loyalty programs, including heavy hitters such as United Airlines, Southwest Airlines, Marriott and Hyatt. And it dovetails nicely with some other Chase cards that also earn Ultimate Rewards® points.

Overall, it might not be the easiest card to use — a Swiss Army knife compared with the butter knife that simpler cards are. But it’s a go-to card for travelers who delight in finding ways to reap big value from their rewards.

Chase Sapphire Preferred® Card : Basics

Card type: Travel .

Annual fee: $95 .

Sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Ongoing rewards:

5 points per $1 spent on all travel purchased through Chase.

3 points per $1 spent on dining (including eligible delivery services and takeout).

3 points per $1 spent on select streaming services.

3 points per $1 spent on online grocery purchases (not including Target, Walmart and wholesale clubs).

2 points per $1 spent on travel not purchased through Chase.

1 point per $1 spent on other purchases.

Through March 2025: 5 points per $1 spent on eligible Peloton purchases (with a maximum earning of 25,000 points) and on Lyft.

Interest rate: The ongoing APR is 21.49%-28.49% Variable APR .

Foreign transaction fees: None.

Other benefits:

A $50 annual credit on hotel stays purchased through Chase.

Each account anniversary, cardmembers will earn bonus points equal to 10% of total purchases made the previous year.

Hotel and airline transfer partners.

Primary rental car coverage .

» MORE: Benefits of the Chase Sapphire Preferred® Card

How much is a point worth?

Chase Ultimate Rewards® points earned on this card are worth 1.25 cents each when redeemed for travel booked through Chase. Using points this way, or transferring them to travel partners, is key to getting the most value from the Chase Sapphire Preferred® Card . Otherwise, it’s not quite as lucrative to use points for less-valuable redemption options, including cash back, gift cards and merchandise.

The Chase Sapphire Preferred® Card offers versatility for travelers that's hard to find at a similar price point.

Solid sign-up bonus

The card features a generous sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Bonus rewards i n multiple categories

You earn extra points in a bunch of spending categories, which is good, but also makes it complicated:

Through March 2025: 5 points per $1 spent on Lyft.

Triple points on dining and streaming services is useful, while online grocery purchases may or may not be, depending on your lifestyle. Travel-related purchases are far more lucrative if you’re willing to book through Chase's travel portal. Even if you’re not, Chase’s definition of "travel" is fortunately broad; in addition to airfare and hotel stays, you can also earn bonus rewards on expenses like parking garage fees, bus fares and campgrounds. And these bonus rewards aren’t just available for travel and dining in the U.S., they can be earned worldwide.

Those earnings rates are, in effect, slightly higher because of the 10% anniversary bonus boost. For example, streaming services rewards effectively have a rewards rate of 3.1%. (The anniversary bonus applies to dollars spent, not points earned.)

And if you’re willing to use points to book travel through the Chase portal, your points will get a 25% boost (points are worth 1.25 cents). All told, a dollar spent at a restaurant or for a streaming service, for example, would earn a total value of 3.75 cents when used for travel through Chase.

This card’s valuable 1:1 transfer partners make it a keeper, especially if you're willing to look for good redemption opportunities. Say you spot a nice deal with one of Chase’s airline transfer partners — maybe a flight that normally costs thousands of dollars going for a mere 50,000 miles plus taxes and fees. With this card, you have the ability to transfer your Chase Ultimate Rewards® points into that airline’s loyalty program and pounce on that deal.

Here are the transfer partners:

Aer Lingus (1:1 ratio).

Air Canada (1:1 ratio).

Air France-KLM (1:1 ratio).

British Airways (1:1 ratio).

Emirates (1:1 ratio).

Iberia (1:1 ratio).

JetBlue (1:1 ratio).

Singapore (1:1 ratio).

Southwest (1:1 ratio).

United (1:1 ratio).

Virgin Atlantic (1:1 ratio).

Hyatt (1:1 ratio).

InterContinental Hotels Group (1:1 ratio).

Marriott (1:1 ratio).

» MORE: Chase Ultimate Rewards: How the Program Works

Complementary cards

The Chase Sapphire Preferred® Card is an excellent companion to other cards in the Chase Ultimate Rewards® family. That’s because you can move points to this card from your other cards that earn Chase Ultimate Rewards®, potentially opening up more redemption options.

Consider the Chase Freedom Flex℠ . It earns 5% cash back on rotating quarterly categories (on up to the first $1,500 in purchases, upon activation) in addition to rewards for other spending. You could potentially move the rewards you earn on that card to the Chase Sapphire Preferred® Card . From there, you could get more value out of your points by transferring points at a 1:1 ratio to other loyalty programs or redeeming them for 1.25 cents apiece when booking travel through Chase. (See our comparison article on Flex versus Sapphire Preferred .)

» MORE: What is the ‘Chase Trifecta’?

The Chase Sapphire Preferred® Card and its more upscale sibling, the Chase Sapphire Reserve® , have had their rewards, perks and bonuses tweaked over the years as the issuer has worked to keep them at the top of travelers' wallets. See our Chase Sapphire cards news page for a rundown.

Sapphire Preferred vs. Sapphire Reserve

If you have your eye on the Chase Sapphire Preferred® Card , you might also be checking out the pricier Chase Sapphire Reserve® . A premium travel card, the Chase Sapphire Reserve® comes with an annual fee of $550 and several rich perks and benefits, including airline lounge access and an annual $300 travel credit. If you travel enough, going for the more expensive option could be well worth the cost.

Read NerdWallet’s full comparison of these two cards to learn more about the differences.

Here’s a look at how the cards stack up on major features:

It's complicated

All those reward categories with different rates, an anniversary bonus and a 1.25 cents per point redemption for travel through Chase? Dizzying.

Additionally, the best rewards and redemptions are tightly tied to using the Chase portal to book travel or to transferring points to a different loyalty program, which is more to figure out. And to really boost your points, many people will use the card in conjunction with other Chase cards.

In the end, making the most of the Chase Sapphire Preferred® Card requires a learning curve and an ongoing juggling act that some consumers simply don’t want to deal with. If you're interested in earning travel rewards, but want something a little easier to use, the $95 -annual-fee Capital One Venture Rewards Credit Card has a much simpler rewards structure.

You'll earn 5 miles per dollar on hotels and car rentals booked through Capital One Travel. Other purchases earn 2 miles per dollar. But like the Chase Sapphire Preferred® Card , there's multiple ways to redeem rewards with this card, including transferring them to travel partners. If you want something even more straightforward, consider a cash-back credit card .

Few premium perks

The Chase Sapphire Preferred® Card is an excellent card for travelers in general. It even has a few travel perks, such as primary rental car insurance , trip cancellation/interruption insurance and lost luggage insurance.

But for those who love to travel in style, the more expensive Chase Sapphire Reserve® could be a better fit.

The Chase Sapphire Reserve® with an annual fee of $550 comes with an annual $300 travel credit and Priority Pass Select access, which gets you into several airport lounges for free and includes meal credits for certain airport eateries. And it comes with a credit for TSA PreCheck or Global Entry (or NEXUS), worth up to $100 once every four years.

To see how these cards compare to the competition, check out NerdWallet's list of best credit cards to get .

Using the Chase Sapphire Preferred® Card for simple rewards — say, earning cash back — would be akin to buying a top-of-the-line multipurpose tool just to use the nail file. The card offers outstanding value, but to fully appreciate it, a traveler needs to take advantage of its versatility. If that appeals to you, this card is an excellent choice.

With no annual fee, this card gives you 1.5 miles for every $1 you spend. It comes with a new-cardmember bonus offer, and points are redeemable for statement credit against many kinds of travel expenses.

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Methodology.

NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.

Frequently asked questions

Rewards are: 5 points per $1 spent on all travel booked through Chase, 3 points per $1 spent on dining (including eligible delivery services and takeout), 3 points per $1 spent on select streaming services, 3 points per $1 spent on online grocery purchases (not including Target, Walmart and wholesale clubs), 2 points per $1 spent on travel not booked through Chase and 1 point per $1 spent on other purchases. Occasionally, the issuer may offer bonus rewards in specific categories for a limited time.

That depends on how you redeem them. If you use them to book travel through Chase — such as for airfare, hotels, rental cars or cruises — points are worth 1.25 cents each. If you redeem them for cash, they’ll be worth 1 cent apiece. You can also transfer points to about a dozen airline and hotel loyalty programs; the value you get depends on how you redeem them in those programs.

As long as your account is open, your points won’t expire. There’s no limit to the number of points you can earn.

The Chase Sapphire Reserve® has a much higher annual fee — $550 , compared with $95 for the Chase Sapphire Preferred® Card — but it offers richer rewards and more perks. Points are worth 1.5 cents apiece when redeemed for travel through Chase (versus 1.25 cents for the Chase Sapphire Preferred® Card ). Perks include an annual $300 travel credit that offsets a big slice of the annual fee. See our comparison article for more details.

If you have good to excellent credit and you’re in line with Chase’s 5/24 rule , you could be approved for the Chase Sapphire Preferred® Card . Good credit is generally defined as a FICO of 690 or higher, although issuers also take into account your income, existing debts and other information.

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Claire Tsosie

Gregory Karp