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The Chase Sapphire Preferred® Card is the perfect starter card for families looking to dive into the world of rewards travel. It offers easy-to-use benefits, flexible points, and exceptional transfer partners that make it ideal for family vacations. It was the first card that my husband and I both opened when we started out as rewards travelers, and we both still hold it in our wallets today! Here’s why it’s the card you need in your wallet.

Chase Sapphire Preferred Overview

The Chase Sapphire Preferred® is currently offering a rare 100,000-point welcome bonus after you spend $5,000 in the first 3 months. With a reasonable $95 annual fee, it packs in powerful perks that make it one of the most beginner-friendly cards for earning travel rewards.

To earn the 100,000-point sign-up bonus on the Chase Sapphire Preferred® Card, you need to spend $5,000 on the card within the first 3 months of opening the account. Once you reach this spending threshold, the points will be credited to your account. At our house, we strategically move our regular household spending to meet minimum spend requirements without overspending. I never recommend spending money you don’t already plan to spend just to earn a bonus, as this could lead to unnecessary debt.

This 100,000-point offer is a limited-time deal and the highest we have seen on this card. The standard bonus has more often been in the 60,000 to 75,000 range, so if this offer appeals to you, it is worth applying sooner rather than later. You can always call or stop in to a branch to find out what the current offers are, which can some times differ depending on your relationship with the bank.

Benefits Tailored to Families

The card offers a $100 hotel credit when you book through the Chase Travel℠ portal, which is doubled from the old $50 credit and now more than covers the $95 annual fee. Plus, you’ll earn:

5X points on travel booked through Chase Travel℠ (perfect for family flights and accommodations),
3X on dining (ideal for those family restaurant outings or even ordering takeout),
3X on select streaming services,
3X on online grocery purchases (excludes Target, Walmart, and wholesale clubs),
3X on gas and EV charging (new),
3X on vacation home rentals booked through Airbnb, Vrbo, and other top brands (new),
2X on other travel (like rideshares or car rentals),
1X on all other purchases

When you book travel through Chase, you can get extra value from your points through a program called Points Boost. Select flights and hotels are marked with a Points Boost label, and on the Sapphire Preferred those bookings can be worth up to 1.5 cents per point, so 10,000 points could stretch to $150. Bookings without the label are worth 1 cent per point, and the boosted rate varies depending on what you are booking, so it is always worth checking the label before you redeem.

Chase also added a few more perks this year. You can now get up to $120 back every four years to cover the application fee for Global Entry, TSA PreCheck, or NEXUS, which is a benefit usually found on pricier cards. There is also a complimentary one-year Apple TV subscription if you activate it by December 31, 2026.

What Does X Points Mean?

The “X” refers to how many points you earn per dollar spent in a specific category.

5X points: Earn 5 points for every $1 you spend.
3X points: Earn 3 points for every $1 you spend.
2X points: Earn 2 points for every $1 you spend.
1X points: Earn 1 point for every $1 you spend.

Examples in Action

Here’s how many points you’d earn on $100 spent in different categories:

Dining (3X points): Spend $100 at a restaurant, and you’ll earn 300 points.
- Calculation: $100 x 3 = 300 points.
Travel booked through Chase Travel (5X points): Spend $100 on a flight, and you’ll earn 500 points.
- Calculation: $100 x 5 = 500 points.
Gas and EV charging (3X points): Spend $100 filling up, and you’ll earn 300 points.
- Calculation: $100 x 3 = 300 points.
Other travel, like car rentals or rideshares (2X points): Spend $100 on a rental car, and you’ll earn 200 points.
- Calculation: $100 x 2 = 200 points.
All other purchases (1X point): Spend $100 at the pharmacy, and you’ll earn 100 points.
- Calculation: $100 x 1 = 100 points.

Point-to-Dollar Ratio

When redeeming your points, the value depends on how you use them:

Standard Redemption: Points are typically worth 1 cent per point when redeemed for cash back, gift cards, or basic travel.
- Example: 10,000 points = $100.
Travel Through Chase Portal (Points Boost): Chase now marks select flights and hotels with a Points Boost label. On the Sapphire Preferred, those bookings can be worth up to 1.5 cents per point. Anything without the label is worth 1 cent per point, and the boosted rate varies by booking.
- Example: 10,000 points = $100 to $150, depending on the booking.
Transferring to Travel Partners: The value can vary but often exceeds 2 cents per point, depending on how strategically you book.
- Example: 10,000 points could be worth $200 or more for plane tickets or hotels.

This flexibility makes earning and redeeming points a powerful way to maximize every dollar you spend!

What Are Chase Ultimate Rewards Points?

The Chase Sapphire Preferred card earns you what’s called Chase Ultimate Rewards points. Chase Ultimate Rewards points are some of the most versatile travel and cashback rewards you can earn. Here’s why they’re valuable:

Flexible Redemption Options:
- Redeem points for travel, statement credits, gift cards, or merchandise.
Travel Portal Bonuses:
- Get extra value on select flights and hotels through Points Boost when booking with a Sapphire card. The exact rate varies by booking and by which Sapphire card you hold.
Transfer to Travel Partners:
- Convert points 1:1 to top-tier travel partners like United, Southwest, and British Airways for incredible value. Hyatt is the one exception on this card, and I explain that change below.
Cash Value:
- Redeem points as cash at a standard rate of 1 cent per point.

Whether you want to book a dream vacation, cover everyday expenses, or save for the future, Chase Ultimate Rewards points give you the flexibility to achieve your goals.

Built-In Travel Protection

The Sapphire Preferred® also offers essential travel protections:

Trip Cancellation/Interruption Insurance: Protects your family in case your trip gets cut short.
Auto Rental Collision Damage Waiver: Save money on car rentals, knowing you’re covered.
Lost Luggage Insurance: If your luggage gets lost, you’ll have peace of mind knowing Chase has your back.
Emergency Evacuation and Transportation Coverage (new): If someone on your trip is injured or gets sick more than 100 miles from home and needs emergency evacuation, you can be covered for eligible medical services and transportation up to $100,000.

At least part of your trip must be booked using the Chase Sapphire Preferred card or your Chase Ultimate Rewards point for the trip to qualify for travel insurance benefits with a Chase. Eligible travel purchases include airline tickets, hotels, car rentals, cruises, activities, and tours.

Suitcases packed in the trunk of a white SUV, indicating preparation for a trip. Chase Sapphire Preferred

Does Chase Sapphire Preferred Have Foreign Transaction Fees?

There are no foreign transaction fees, making this a perfect option for families while traveling abroad.

Eligibility

This card and rewards travel in general is ideally suited for those with good to exceptional credit, who can pay their bills on time each month, and can avoid getting into debt/manage a budget.

To apply for the Chase Sapphire Preferred® Card, you cannot currently hold another Sapphire Preferred. Thanks to a recent change, though, you can now hold the Chase Sapphire Reserve® and still be eligible to earn the welcome bonus on the Preferred. Additionally, if you’ve earned a bonus on the Sapphire Preferred in the past 48 months, you won’t be eligible for another. However, if it’s been over 48 months, you can downgrade to a no-fee Chase card, like the Chase Freedom Flex® or Freedom Unlimited®, and reapply for the Sapphire Preferred® to earn the bonus again.

Why Chase Sapphire Preferred® Shines for Family Travel

One of the key selling points of this card is its transfer partners. Chase has 11 airline and 3 hotel partners, and most still transfer at a 1:1 rate in increments of 1,000. This means you can transfer your points to airlines like Southwest, United, and British Airways, or hotels like IHG and Marriott, ideal for family trips, whether you’re visiting Disneyland, Hawaii, or exploring international destinations. Hyatt is the one exception on this card, and I break that change down below. Here is the full list of all of Chase’s current transfer partners:

Chase Sapphire Preferred® transfer partners list

With Hyatt, you can book family-friendly hotels at excellent value since Hyatt’s point rates are generally lower than other hotel chains. Additionally, Chase has the advantage of offering domestic airline partners, like Southwest, which makes it easier for families to find flights that suit their schedules and budgets. This exact combination is how we traveled to Hawaii for almost two weeks for less than $100 total out of pocket for flights and hotels. We booked that trip when Sapphire Preferred points still transferred to Hyatt at 1:1, so the Hyatt half of that math would take more points today, but the strategy itself still works, and it works exactly as well as it always did if you hold the Sapphire Reserve.

How to Transfer Points to Travel Partners

Step 1

Log into your Chase account and click Ultimate Rewards® under Rewards on the right side.

How to transfer Chase Ultimate Rewards® points to travel partners

Once in the Ultimate Rewards® section, select “Travel”, then “Transfer points to partners” on the navigation.

Step 2

Scroll down to the partners section, and choose the partner to which you want to transfer points. For this example, we’re choosing Hyatt.

Step 3

Enter the details associated with the membership of the partner you want to transfer to. Here, you will enter your World of Hyatt number. World of Hyatt is a free program to join, like frequent flyer numbers but for hotels.

Step 4

Enter how many points you want to transfer.

Pro tip: Always make sure you’ve found the flights or hotel rooms you want to book before transferring points—once they’re transferred, they’re locked into the partner’s program.

Step 5

Review your transfer details before your submit.

Once you submit, it can take anywhere from instant to 72 hours for your points to appear in the partner account. If your points don’t transfer instantly, call the partner to get an idea of approximately how long it will take, so you know when to come back and book your travel.

A Change to Know About: Hyatt Transfers and the Sapphire Reserve

Starting June 15, 2026, Chase changed the transfer ratio from the Sapphire Preferred to World of Hyatt. It used to be 1:1. It is now 4:3, which means 1,000 Chase points become 750 Hyatt points instead of 1,000.

Here is the timing. If you apply for the Preferred on or after June 15, 2026, the new 4:3 rate applies to you right away. If you already had the card before June 15, 2026, you keep the 1:1 rate until October 1, 2026. The same change is coming to the Ink Business Preferred®, but not until October 1, 2026, and that date applies to both existing and new cardmembers.

Why does this matter for our family? We use Hyatt a lot, and Hyatt is one of the best reasons to hold a Chase card in the first place. Here is the part worth understanding: the Chase Sapphire Reserve®, the top card in the Sapphire family, is keeping its 1:1 transfer rate to Hyatt. So if you mostly use your Chase points to transfer to Hyatt, you will get more value holding the Reserve than the Preferred, because the Reserve still transfers at 1:1.

The Reserve has a much higher annual fee at $795, though it comes with a $300 annual travel credit that brings the real cost down, so it is not an automatic yes. As a rough rule of thumb, the Reserve starts to make more sense once you are transferring somewhere around 60,000 points or more to Hyatt each year. If you only transfer to Hyatt occasionally, or you do not transfer to Hyatt at all, the Preferred and its low $95 annual fee is very likely still the better fit. And the good news is you can now hold both cards, so the Reserve can be added later if your Hyatt habit grows.

One more thing to flag for honesty: Hyatt also recently made changes to its own award chart, so some Hyatt redemptions cost more points than they used to. That is separate from the Chase transfer change, but it is worth knowing when you are running the numbers.

Earning More Points and Combining

You can also combine points earned from other Chase cards to increase your rewards, if you hold certain Chase cards that allow for combining points.

Eligible Premium Cards for Combining Points

You need at least one of the following Chase cards to unlock the ability to combine and transfer points:

These cards allow points to:

Be redeemed for extra value through Points Boost in the Chase Travel Portal.
Transfer to travel partners like United, Southwest, or British Airways for outsized value. (Hyatt transfers now vary by card, see the Hyatt section above.)

If you have a Chase Freedom Flex®, Freedom Unlimited®, or any other Chase card that earns Ultimate Rewards®, you can still combine them with points earned on your Chase Sapphire Preferred card to use them for travel. I personally also hold the Chase Freedom Unlimited®, and I love that it offers 1.5% back on all purchases.