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You have the Chase Sapphire Preferred® Card
Chase · $95/yr
What you’re getting
- ✓$50 annual hotel credit via Chase Travel
- ✓Primary auto rental insurance
- ✓Trip cancellation/interruption insurance
- ✓1.25 cpp on Chase Travel redemptions
- ✓No foreign transaction fees
3x Travel3x Dining3x Online grocery (excl. Target/Walmart/wholesale)3x Streaming1x All else
What you’re probably missing
There's a 2x gap between your worst and best redemption
Chase Ultimate Rewards runs from 1¢ (Cash back / statement credit at 1¢) to 2¢ (Transfers to Hyatt or airline sweet spots). Most people redeem at the bottom of that range without knowing it.
The value spread on your points
1¢ floor1.25¢ everyday2¢ maximized
Maximized play: Transfers to Hyatt or airline sweet spots.
Pairs well with
Go deeper
- Chase Sapphire Reserve in 2026: $795 fee, $2,000+ in credits, and a Park Hyatt run on the welcome bonus →
- Authorized users in 2026: when the fee pays off, when it doesn't, and the household point-pooling play most couples miss →
- Transferable Points 101: Why Chase UR, Amex MR, Citi TY, and Capital One Miles Beat Airline-Specific Cards →
This is the generic version.
Sign in, tell us your home airport and where you fly, and we’ll rank cards, airlines, hotels, and award sweet spots for your routes — and value the points you already have.
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