Best Chase Credit Card Offers This Month: Why the Chase Sapphire Preferred Is My Top Pick
100,000 bonus points, new benefits, and a $95 annual fee — here’s why this is still the card I recommend most.
It’s no secret that Chase has some of the best travel rewards credit cards available. They consistently offer valuable welcome bonuses, flexible points, and benefits that can genuinely help families travel for much less.
Right now, there is an elevated offer on the Chase Sapphire Preferred that is worth paying attention to. If you’ve been thinking about getting started with points and miles, this is one of the best times I’ve seen in a while.
This was the very first travel rewards card I ever opened, and honestly, it’s still the card I recommend most often to friends and family who are just getting started. If someone asked me where to begin with points and miles, this would almost always be my answer.
Don’t Let the Annual Fee Scare You
The Chase Sapphire Preferred recently received a refresh with several new benefits — and somehow Chase kept the annual fee at just $95 per year.
If you’re brand new to travel rewards, I completely understand if that annual fee makes you pause. I used to think the exact same thing. Why would I ever pay $95 for a credit card?
Why Flexible Points Are Such a Big Deal
The biggest reason I recommend the Chase Sapphire Preferred is because it earns Chase Ultimate Rewards® points — what the points world calls flexible points.
Flexible simply means you’re not locked into one airline or one hotel chain. As your travel goals change, your points work with you instead of limiting you. You can book directly through Chase Travel, or transfer your points to airline and hotel partners for potentially even greater value.
Airline Transfer Partners
Hotel Transfer Partners
The New Benefits That Make This Card Even Better
The recent refresh added several new perks that make the Sapphire Preferred even easier to justify for families. Here are the three I get most excited about.
Every cardmember year, you receive up to $100 in statement credits when you book a qualifying hotel stay through Chase Travel. Book just one hotel per year through the portal and this benefit alone offsets the entire annual fee.
Get reimbursed up to $120 every four years for a Global Entry, TSA PreCheck, or NEXUS application fee. If you’ve ever stood in a long airport security line with tired children, you’ll understand why this is so valuable.
Trip delay, cancellation, baggage delay, lost luggage, primary rental car coverage, and emergency evacuation insurance — all included. When traveling with kids, these protections offer real peace of mind.
How You Earn Points on Everyday Spending
One of my favorite things about this card is how well it rewards purchases families are already making — groceries, dining, streaming, gas. You’re not changing your lifestyle to earn rewards; you’re just redirecting your spending onto a card that pays you back.
| Purchase Category | Points Earned |
|---|---|
| Travel booked through Chase Travel | 5x |
| Dining | 3x |
| Online grocery purchases (excl. Walmart, Target, wholesale clubs) | 3x |
| Select streaming services | 3x |
| Gas stations and EV charging | 3x |
| Vacation rentals | 3x |
| Travel booked outside Chase Travel | 2x |
| All other purchases | 1x |
Travel Protections That Give Me Peace of Mind
One thing beginners often overlook is how valuable the built-in travel protections can be. When you’re traveling with kids, things don’t always go according to plan — and having these protections in place can save you hundreds of dollars when something goes wrong.
- Trip Delay Reimbursement
- Trip Cancellation Insurance
- Trip Interruption Insurance
- Baggage Delay Insurance
- Lost Luggage Reimbursement
- Primary Rental Car Coverage
- Emergency Evacuation Coverage
- Emergency Transportation
Hopefully you’ll never need these. But if your flight is delayed, a trip gets cut short, or your luggage goes missing, you’ll be very glad they’re there.
The Current Welcome Bonus
This is one of the best public offers we’ve seen on this card. For many families, reaching the spending requirement doesn’t mean buying more stuff — it simply means putting your regular expenses on the card. Groceries, insurance, gas, utilities, subscriptions, and other bills you were already planning to pay can add up quickly.
What Could 100,000 Points Get Your Family?
This is where points start becoming exciting. Depending on how you redeem them, 100,000 Chase Ultimate Rewards points could help pay for things like:
Your exact value will depend on how you redeem your points, but this welcome bonus has the potential to save your family well over $1,000 on travel. When redeemed strategically through transfer partners, that value can go even higher.
Is This Card Right for You?
✓ Great Fit If You…
- Are brand new to points and miles
- Want flexibility instead of committing to one airline
- Travel at least once or twice a year
- Want strong built-in travel protections
- Prefer keeping things simple while learning
- Pay your credit card balance in full each month
✗ May Not Be the Right Fit If You…
- Carry a balance on your credit cards
- Don’t have plans to travel in the foreseeable future
- Would need to overspend to reach the welcome bonus minimum
- Already have the Chase Sapphire Reserve