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Annual Fee$95Effective: -$75
APR19.24% - 27.49%
Sign-up Bonus75,000 Ultimate Rewards points~$937 value
Rewards5X Chase Travel
Credit Scoregood
Foreign FeesNone
+ Pros
- ✓Low $95 fee with $170 in credits
- ✓Best transfer partner ecosystem (Hyatt)
- ✓75K bonus worth $937+
− Cons
- ✗No lounge access
- ✗5/24 rule limits who can apply
- ✗$5K spend requirement for bonus
Rewards Breakdown
| Category | Rate | Monthly Spend | Annual Value |
|---|---|---|---|
| Chase Travel Portal | 5X | $200/mo | $150 |
| Dining | 3X | $500/mo | $225 |
| Streaming Services | 3X | $50/mo | $22 |
| Online Groceries | 3X | $200/mo | $90 |
| Other Travel | 2X | $150/mo | $45 |
| All Other | 1X | $500/mo | $75 |
| Total Estimated Annual Rewards | $607 | ||
Perks & Credits
$120/yr
DoorDash DashPass
Complimentary subscription — $0 delivery fees and reduced service fees on DoorDash orders.
$50/yr
Chase Travel Hotel Credit
Automatic $50 credit on hotel bookings through Chase Travel portal.
Varies
25% Point Boost
Points are worth 25% more when redeemed through Chase Travel portal (1.25 cents vs 1 cent each).
14 partners
Transfer Partners
1:1 transfer to Hyatt, United, Southwest, IHG, Marriott, British Airways, and 8 more.
Included
Primary Rental Car Insurance
Covers theft and collision damage when you decline the rental company's CDW. Primary coverage means it pays first.
Up to $10K
Trip Cancellation Insurance
Reimburses pre-paid, non-refundable trip costs if you cancel for a covered reason.
$30-60/yr
10% Anniversary Bonus
Earn 10% of your total points earned that year as a bonus on your card anniversary.
Total Annual Credits: $170 vs $95 fee = +$75 net positive
CFPB Consumer Complaints(Last 12 months)
6,095Credit card complaints
0%Timely response rate
Source: CFPB Consumer Complaint Database. Complaints are not necessarily evidence of wrongdoing.
Who This Card Is For
- →First-time travel card holders who want a low-risk entry ($95 fee) into the points and miles world with the best transfer partner ecosystem.
- →Moderate spenders who dine out regularly — 3X on dining at $500/month earns $225/year in travel value, more than doubling the fee.
- →Hyatt loyalists — Chase-to-Hyatt transfers are the single best point redemption in the industry, regularly delivering 2-4 cents per point.
Who Should Skip This Card
- →Anyone who's opened 5+ credit cards in the past 24 months — Chase's 5/24 rule will auto-deny you regardless of credit score.
- →Travelers who want lounge access — upgrade to the Sapphire Reserve ($550) or pair with the Venture X ($395) instead.
- →People who primarily shop for groceries in-store — the 3X online grocery rate doesn't apply to in-store purchases.
How It Compares
| Card | Annual Fee | Best Rate | Score |
|---|---|---|---|
| Chase Sapphire Preferred (this card) | $95 | 5X | 4.7/5 |
| American Express Gold CardBest for Dining & Groceries | $325 | 4X | 4.8/5 |
| Capital One Venture XBest Premium Travel Card (Simplicity) | $395 | 2X | 4.6/5 |
| Chase Freedom UnlimitedBest No-Fee Card with Category Bonuses | $0 | 1.5% | 4.5/5 |
Frequently Asked Questions
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Last updated: 2026-03-30