Discover Personal Loans: 2025
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Pros
- New cardholder bonus offer
- Bonus categories
- Primary rental car coverage
- Flexible rewards redemption
- Transfer partners
Cons
- Has annual fee
- Requires good/excellent credit
- Complicated rewards
Details
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.
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.
