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Chase Sapphire Preferred® Card review: The best travel rewards card for less than $100

A powerful combination of bonus rewards and travel perks.

 /  15 min
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Snapshot

4.8

Bankrate rating
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Rating: 4.8 stars out of 5

Bottom line

The Chase Sapphire Preferred is an excellent entry point into the world of travel rewards since it offers impressive value, multiple redemption options and premium benefits for a modest $95 annual fee.

BEST STARTER TRAVEL CARD

Recommended credit score:(670 - 850)
Apply nowLock

on Chase's secure site

Intro offer

60,000 bonus points

Rewards rate

1x - 5x

Annual fee

$95

Regular APR

20.99% - 27.99% Variable

4.2

Cardholder rating

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4.2 / 5

Extra perks

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4.1 / 5

Online tools

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4.3 / 5

Customer service

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4.3 / 5

Intro APR length

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4.4 / 5

4.8

Bankrate score

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4.8 / 5

Rewards value

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4.8 / 5

APR

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1.0 / 5

Rewards flexibility

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5.0 / 5

Features

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3.0 / 5
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Chase Sapphire Preferred® Card Overview

The Chase Sapphire Preferred Card is one of the best travel credit cards on the market. It has a relatively low annual fee, a generous rewards program and top-tier travel protections. Boasting various travel and everyday rewards categories, stellar redemption value, annual credits through Chase Travel℠ and an anniversary points bonus, the Sapphire Preferred offers significant value to everyday spenders and rewards experts alike.

Although it lacks some of the robust perks found in more premium travel cards, the card is an excellent fit for travelers who want to earn rewards on their flights and hotel stays without a hefty annual fee.

  • Credit Card Cash Back Icon

    Rewards

    • 5X points on travel purchased through Chase Travel℠ (excluding hotel purchases that qualify for the $50 annual hotel credit)
    • 5X total points on Lyft rides (2X on general travel and 3X-point bonus, offer ends March 31, 2025)
    • 5X total points on Peloton equipment and accessory purchases over $150 (maximum of 25,000 total points; offer ends March 31, 2025)
    • 3X points on dining (including eligible delivery services), select streaming services and online grocery purchases (excluding Walmart, Target and wholesale clubs)
    • 2X points on other travel
    • 1X points on other purchases
    • Rewards value: 1.25 cents per point when redeemed through Chase Travel℠ or around 2.0 cents on average through the right transfer partner (based on Bankrate's estimated valuations)

    Expert Appraisal: Exceptional
    See our expert analysis

  • Rewards Icon

    Welcome offer

    • 60,000 bonus points after spending $4,000 on purchases within the first three months

    Expert Appraisal: Good
    See our expert analysis

  • Credit Card Search Icon

    Rates and fees

    • $95 annual fee
    • Foreign transaction fee: $0
    • No intro APR on purchases or balance transfers
    • Regular APR: 20.99% - 27.99% Variable
    • Balance transfer fee: 5 percent of the amount each transfer (minimum $5)
    • Cash advance fee: 5 percent of the amount each transaction (minimum $10)
    • Late/returned payment fee: Up to $40

    Expert Appraisal: Typical
    See our expert analysis

  • Congrats Icon

    Other cardholder perks

    • 10 percent anniversary bonus points based on your total purchases the previous year
    • Up to $50 in annual statement credits toward hotel stays through the Chase Travel portal
    • Comprehensive travel insurance, including trip cancellation/interruption insurance, trip delay reimbursement and baggage delay insurance
    • Complimentary, limited-time credits and/or other partner perks with Lyft, DoorDash and Peloton
    • Purchase and extended warranty protection
    • Potential access to alternative payment plans with a fixed monthly fee

    Expert Appraisal: Good
    See our expert analysis

Chase Sapphire Preferred pros and cons

Pros

  • Checkmark Icon

    You can combine points from other Ultimate Rewards cards to enhance their overall value.

  • Checkmark Icon

    It packs phenomenal redemption value through its impressive airline and hotel transfer partners, statement credits and 25 percent point value redemption boost toward Chase Travel.

  • Checkmark Icon

    The rich perks roster features benefits commonly found on higher-tier travel cards, including an anniversary bonus and a wide range of travel protections.

Cons

  • You can earn higher bonus rates in some everyday categories with other cards.

  • Although it may not be hard to offset, there’s still a $95 annual fee.

  • This card doesn’t offer introductory APRs on purchases or balance transfers, unlike some no-annual-fee rivals.

Why you might want the Chase Sapphire Preferred

The Sapphire Preferred is hard to beat if you’re looking for a cost-effective travel card. Its travel perks, annual credits and bonus points are impressive for a card in its class and can easily justify the annual fee. Perhaps even more appealing is the diverse selection of bonus categories and redemption options, plus the remarkably high redemption values that can fuel your next trip.

Welcome offer: Solid additional value

With the Chase Sapphire Preferred current welcome offer, new cardholders can earn 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. According to Bankrate's valuations, those points can be worth around $1,200 at a value of about 2.0 cents per point. While a downgrade from its previous welcome offer which offered up to $300 in statement credits on Chase Travel purchases in the first year in addition to 60,000 bonus points, this offer still adds exceptional first-year value to this card.

Rewards: Outstanding travel value

The Sapphire Preferred card’s rewards program is a powerhouse, offering impressive rewards rates in more travel-related categories than many competing cards. It offers rewards in plenty of popular everyday categories that may be difficult to find on typical travel cards, including dining, select streaming services and online grocery purchases (excluding wholesale clubs and superstores like Target and Walmart). 

However, this card’s biggest strength is the value of Chase Ultimate Rewards points on certain redemption options. Your points are worth 25 percent more (1.25 cents per point) when booking travel through Chase Travel. You can also pool points from other Ultimate Rewards and cash back cards, giving the same boost to all your Chase cards. Chase also features an impressive list of 1:1 airline and hotel transfer partners, raising the value to about 2.0 cents  per point, according to our most recent valuation. However, the right redemption can provide even further value.

Even this card’s non-travel redemptions can provide value and versatility. You can redeem Chase Ultimate Rewards points at 1 cent apiece for cash back, statement credits, gift cards, merchandise (including Apple product purchases), Chase Experience events and Chase Dining purchases. You can also use your points at the checkout screen on Amazon.com and PayPal for a lower value (0.8 cents apiece). There’s no cap on the number of points you can receive, so the Sapphire Preferred has solid potential as your primary credit card.

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Bankrate Insight

You can earn points in a few clever ways if you don’t mind a little legwork. There’s a 15,000-point referral bonus if any friends are approved (up to five referrals per year), which could be an easy way to earn up to 75,000 more points. Plus, the Chase Offers card-linked program could earn an extra helping of rewards with various merchants across all categories.

Perks: High-caliber benefits for its card tier

In addition to its stand-out rewards, the Sapphire Preferred’s benefits include valuable perks that provide excellent value for its annual fee. For example, the stellar travel insurance you’ll receive with the Sapphire Preferred includes trip cancellation and interruption insurance, trip delay reimbursement and baggage delay insurance that match those usually found among premium travel cards with higher annual fees.

Two of the most valuable perks of the Sapphire Preferred are its recurring bonuses. You’ll get up to $50 back each year in statement credits for hotel stays you purchase through Chase Travel. You’ll also get an eye-catching 10 percent points bonus on your total combined spending from the previous year, automatically added to your rewards balance each account anniversary. These two yearly benefits can nearly offset the annual fee before factoring in your rewards spending.

Chase also stacks on additional, limited-time partner perks so that your first few years with the card are especially lucrative. Although these partner perks won’t last forever, you can also rack up statement credits and bonus points from the Sapphire Preferred’s Lyft and DoorDash benefits that could be worth close to $200 or more.

Why you might want a different travel card

The Sapphire Preferred is an excellent rewards card whether you are an experienced travel rewards strategist or new to cards. However, you may need convincing if you’re wary of annual fees.

Rates and fees: Annual fee may discourage newcomers

The Sapphire Preferred has a $95 annual fee, which may appear intimidating if you only travel occasionally and you’re looking for your first travel card. However, this price tag is low compared to the perks and rewards the card offers. The annual account anniversary bonus points and credits can potentially offset the annual fee alone, but the fee also isn’t too difficult to offset through your standard rewards spending.

The rewards and perk value can be difficult to find among no-annual-fee travel cards, so the Sapphire Preferred card's annual fee can be well worth it. No-annual-fee competitors also typically have lower rewards rates than the Preferred card and no yearly credits or notable travel perks.

The other rates and fees are typical for travel cards — there are no foreign transaction fees to worry about while you’re abroad and the ongoing APR is only slightly higher than the average current credit card interest rate.

We tried it: Here’s what our experts say

Bankrate credit cards editor Nouri Zarrugh loves the flexibility that comes with the Sapphire Preferred:

"This was my first mid-tier travel card and it was a great starting point thanks to its practical bonus categories and flexible redemption. I especially love that — though I can get more value by redeeming points for travel — I have the option to get at least 1 cent per point for cash back."

—  Nouri Zarrugh, Senior Editor, Credit Cards

How the Chase Sapphire Preferred compares to other travel Credit card

It’s hard for many cards to strike a balance between rewards, first-year value and benefits like the Sapphire Preferred does, but a few cards hold their own.

Image of Chase Sapphire Preferred® Card
Bankrate Score
Apply now Lock Icon
on Chase's secure site

Annual fee

$95

Intro offer

60,000 bonus points
Info Icon

Rewards rate

1x - 5x
Info Icon

Recommended Credit Score

Good to Excellent (670 – 850)
Info Icon
Image of Capital One Venture Rewards Credit Card

Annual fee

$95

Intro offer

75,000 miles
Info Icon

Rewards rate

2 Miles - 5 Miles
Info Icon

Recommended Credit Score

Good to Excellent (670 – 850)
Info Icon
Image of Citi Strata Premier℠ Card

Annual fee

$95

Intro offer

75,000 bonus points
Info Icon

Rewards rate

1X - 10X
Info Icon

Recommended Credit Score

Good to Excellent (670 – 850)
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Best cards to pair with the Chase Sapphire Preferred

Other Chase credit cards are your best pairing option because of their complementary reward categories and the ability to pool your earned rewards onto one card. Although the Sapphire Preferred is not part of the traditional Chase trifecta, this card’s fantastic reward opportunities and redemption values make pairing the Chase Sapphire Preferred with the Chase Freedom Unlimited® and/or Chase Freedom Flex® one of the best combinations available. 

Just keep Chase’s 5/24 rule in mind as you search for cards to pair with the Sapphire Preferred: You may not be eligible to open a Chase credit card if you’ve already opened five or more credit cards (no matter the issuer) in the past 24 months.

Who is the Chase Sapphire Preferred right for?

The Chase Sapphire Preferred is a flexible and valuable rewards card that can suit several cardholders. Here’s who’s most likely to squeeze the most value from the card. 

Bankrate’s Take — Is the Chase Sapphire Preferred worth it?

The Chase Sapphire Preferred card’s great travel and dining rewards, everyday bonus categories and annual bonuses make it one of the best — if not the best — travel cards with a $95 annual fee. The Sapphire Preferred can be rewarding for both infrequent travelers and rewards experts, thanks to its flexible rewards program and terrific card pairing options. Just be aware of the number of cards you have if you want to pair with a Chase card and make sure your monthly budget will benefit from the rewards categories.

The information about the Chase Freedom Flex® has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

How we rated this card

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150+
cards rated
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50+
rewards programs valued
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1800
data points analyzed
Credit Card Reviews Icon
40+
perks evaluated

We rate credit cards using a proprietary card scoring system that ranks each card’s estimated average rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more against those of other cards in its primary category.

Each card feature is assigned a weighting based on how important it is to people looking for a card in a given category. These features are then scored based on how they rank relative to the features on other cards in the category. Based on these calculations, each card receives an overall rating of 1-5 stars (with 5 being the highest possible score and 1 being the lowest).

We analyzed over 150 of the most popular rewards and cash back cards to determine where each stacked up based on their value, cost, benefits and more. Here are some of the key factors that influenced this card’s overall score and how the score influenced our review:

Frequently asked questions

What cardholders think

Image of Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

4.2 Star Icon
50 ratings
Info Icon
Score breakdown
5 stars
48%
4 stars
38%
3 stars
8%
2 stars
0%
1 star
6%
Score by category
Overall 4.2 / 5
Extra perks 4.0 / 5
Customer service 4.2 / 5
Online portal or mobile app 3.9 / 5
Intro APR length 4.3 / 5
Intro APR value 4.0 / 5

In May 2024, Bankrate collaborated with third-party SliceMR to survey 6160 cardholders nationwide. Bankrate and Slice MR collected, averaged and presented website analytics and cardholder responses to six questions on a 5-point scale. Responses are based on individual cardholder’s product details, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. User ratings are unedited and have not been reviewed or approved by credit card issuers, nor do these ratings reflect Bankrate’s own reviews of these cards.

Community Reviews

Explore Chase Sapphire Preferred® Card reviews from certified cardholders.
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Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would because it’s a great card to build credit and for rewards
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
No
Score by category
Extra perks 3 / 5
Customer service 3 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
The annual fee is actually worth it because of the benefits u get. I like the cash back on certain items I buy.
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 3 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
They are very responsive and always knows how to help me.
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
Not sure it would be worth keeping if there were an annual fee.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Overall rewards are pretty good, however could be better and more choices for redemption would be great
Score by category
Extra perks 3 / 5
Online portal or mobile app 3 / 5
Customer service 4 / 5
Intro APR length 5 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes because I get cashback on dining
Score by category
Extra perks 4 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
Haven't transferred anything.
Score by category
Extra perks 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
I typically redeem it for travel like flights and hotels or if I'm not traveling I'll redeem it towards discounted gift cards I'll use.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
This card is better than American Express card but I need better options
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
It is versatile and accepted most places.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
This card is a part of my everyday life. I use it for many purchases every week. I love the rewards and the purchase protection.
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
I have not transferred points
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
well, enjoy this cash back
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
It's a good rewards card. I have two other cards that weren't on the list. Barclay Gold Card and Citizens Wealth Rewards Card.
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes. I use this card to purchase anything I need for my business.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I have only had the card for about 6 months. Haven't tried to redeem any rewards, so until then, I couldn't recommend or not.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
I typically use my rewards to pay on my card.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
Redemption was very easy. We have booked flights and rental cars through the website.
Score by category
Extra perks 2 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Intro APR length 5 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
Cash to be used on Card
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 3 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
I typically redeem points as cash back and I use that cash back to pay off some of my credit card debt. I earned these points by using my credit card for big purchases
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes it helps me pay bills and pay for extra expenses I need for my family and myself
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
This is agreat reward card. You get annual travel credits. You get everyday spending credits and anniversary bonuses.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
This is a great card to build your credit score up
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
No transfers
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Intro APR length 4 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
This card does not have an annual fee, and I love that aspect about it - it makes the calculations to determine the usage of this card much more straightforward, and ultimately it has proven to be a great choice for me.
Score by category
Extra perks 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes. I use it for all purchases, especially on restaurants for the 3x rewards. I also feel better about the travel insurance while I travel. It’s just a great and flexible card for rewards.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
Complicated
Score by category
Extra perks 5 / 5
Online portal or mobile app 3 / 5
Customer service 2 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
It's a great card for me
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Intro APR length 5 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
Not really...do not use this card much
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes, I use it most to get points for personal travel
Score by category
Extra perks 3 / 5
Online portal or mobile app 3 / 5
Customer service 4 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
No fee, easy to use
Score by category
Online portal or mobile app 4 / 5
Customer service 4 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes, use often
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
interest rate is too high
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
I have used Chase Ultimate Rewards for travel rewards, including transferring points for miles and purchasing local tours from places like Viator. It always went smoothly.
Score by category
Extra perks 3 / 5
Online portal or mobile app 4 / 5
Customer service 3 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
So far I have not transfered miles or points using this specific card yet, I have only had this card for about 2 weeks now but have noticed the perks when purchasing big items like furniture that I have used so far.
Score by category
Extra perks 3 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Intro APR length 4 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
no
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Always keep it on hand you never know when you might need it.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
No I do not have any experience.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
i do not ever recommend anything
Score by category
Extra perks 3 / 5
Online portal or mobile app 3 / 5
Customer service 4 / 5
Intro APR length 4 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
transfer points for travel
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
ease of use and lower fees to use.
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 4 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Only for purchases over $100
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 3 / 5
Intro APR length 4 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
This card is just my normal card that I use for purchases.
Score by category
Extra perks 3 / 5
Online portal or mobile app 3 / 5
Customer service 3 / 5
Intro APR length 3 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I like the rewards
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 3 / 5
Intro APR length 4 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
Nothing, it was too low
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Intro APR length 4 / 5
Intro APR value 2 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
main bank account
Score by category
Extra perks 4 / 5
Online portal or mobile app 3 / 5
Customer service 3 / 5
Intro APR length 3 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
Our card gives us a percentage of purchases back as a card credit, so it is easy to redeem.
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Intro APR length 4 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
I have not redeemed points at this time
Score by category
Extra perks 1 / 5
Online portal or mobile app 1 / 5
Customer service 1 / 5
Intro APR length 1 / 5
Intro APR value 1 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
I have not transfored.yet
Score by category
Written by
Garrett Yarbrough
Writer, Credit cards
Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card, credit monitoring and identity theft analysis on NextAdvisor.com, he joined the CreditCards.com and Bankrate teams as a staff writer to develop product reviews and comprehensive credit card guides focused on cash back, credit scores and card offers.
Edited by Senior Editor, Credit Cards
Reviewed by Former Senior Editor, Credit Cards

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.