The Chase Sapphire Preferred card remains a favorite among travelers seeking a balance of affordability and premium rewards. With recent updates to the Chase Sapphire Reserve credit card, Chase has also made waves with its more accessible sibling, the Chase Sapphire Preferred, ensuring it stays competitive in the premium credit card market. As of June 2025, cardholders can now hold both the Chase Sapphire Preferred and Chase Sapphire Reserve credit card simultaneously, a game-changing shift for rewards enthusiasts. This blog dives into the latest developments, benefits, and why the Chase Sapphire Preferred continues to shine for savvy travelers.
Why the Chase Sapphire Preferred Stands Out
The Chase Sapphire Preferred card has long been praised for its reasonable $95 annual fee, making it an attractive option for those who want premium travel perks without the hefty price tag of cards like the Chase Sapphire Reserve credit card. Recent changes allow cardholders to pair it with the Chase Sapphire Reserve credit card, unlocking more flexibility to maximize Ultimate Rewards points. This move caters to high-spenders and points enthusiasts who want to diversify their rewards strategy.
The card offers 5x points on travel booked through Chase Travel, 3x points on dining, select streaming services, and online grocery purchases, and 2x points on other travel. Its welcome bonus, typically around 60,000 points after spending $4,000 in the first three months, remains a strong draw. These points, when transferred to Chase’s airline or hotel partners, can yield significant value, often exceeding 1.5 cents per point.
Key Benefits That Keep It Competitive
The Chase Sapphire Preferred continues to deliver robust travel protections, including trip cancellation/interruption insurance, baggage delay coverage, and primary auto rental collision damage waiver. These perks provide peace of mind for frequent travelers. Additionally, the card’s $50 annual hotel credit for bookings through Chase Travel reduces the effective annual fee to just $45, making it one of the most cost-effective premium cards available.
A notable update is the removal of the restriction preventing cardholders from owning both the Chase Sapphire Preferred and Chase Sapphire Reserve credit card at the same time. Starting June 23, 2025, this change allows users to combine the benefits of both cards. For example, you can use the Chase Sapphire Preferred for everyday spending while leveraging the Chase Sapphire Reserve credit card for its enhanced travel credits and lounge access.
Key Point Summary
- Annual Fee: $95, offset by a $50 hotel credit.
- Rewards: 5x points on Chase Travel, 3x on dining and select services, 2x on other travel.
- New Flexibility: Can now hold both Chase Sapphire Preferred and Chase Sapphire Reserve credit card.
- Travel Protections: Comprehensive coverage for trip cancellations, baggage delays, and more.
How It Compares to the Chase Sapphire Reserve
While the Chase Sapphire Reserve credit card boasts a $795 annual fee starting June 23, 2025, up from $550, it offers premium perks like a $300 travel credit, $500 luxury hotel credit, and 8x points on Chase Travel bookings. However, its high cost may deter budget-conscious travelers. The Chase Sapphire Preferred, with its lower fee, appeals to those who want solid rewards without the financial commitment. For instance, the Chase Sapphire Preferred lacks lounge access but compensates with a lower barrier to entry and versatile point redemption options.
Many users on social media express satisfaction with the Chase Sapphire Preferred for its simplicity and value. Some argue it’s a smarter choice than the Chase Sapphire Reserve credit card for those who can’t fully utilize the latter’s credits. The ability to hold both cards now makes it easier to mix and match benefits based on your spending habits.
Maximizing Your Rewards in 2025
To get the most out of the Chase Sapphire Preferred, focus on categories that earn bonus points. Booking travel through Chase Travel maximizes your 5x points, while dining and online grocery purchases rack up 3x points. Transferring points to partners like Southwest Airlines or Hyatt often yields higher value than redeeming through Chase Travel’s portal. Additionally, the card’s no-foreign-transaction-fee feature makes it ideal for international trips.
For those considering both the Chase Sapphire Preferred and Chase Sapphire Reserve credit card, strategize your spending to leverage each card’s strengths. Use the Chase Sapphire Reserve credit card for luxury travel and dining credits, while relying on the Chase Sapphire Preferred for everyday purchases and lower fees. This dual-card approach can amplify your rewards potential.
Is the Chase Sapphire Preferred Right for You?
The Chase Sapphire Preferred is ideal for travelers who want premium benefits without a steep annual fee. Its flexibility, updated rules, and robust rewards make it a top contender in 2025. If you travel occasionally, dine out frequently, or shop online for groceries, this card aligns perfectly with your lifestyle. However, if you crave lounge access or higher-end perks, you might consider pairing it with the Chase Sapphire Reserve credit card or exploring competitors like the Capital One Venture X.
Evaluate your spending habits to ensure you can offset the $95 fee with the $50 hotel credit and bonus points. With Chase’s recent changes, the Chase Sapphire Preferred remains a versatile, budget-friendly option for rewards enthusiasts.
Final Thoughts
The Chase Sapphire Preferred continues to hold its own in the competitive world of travel credit cards. Its low annual fee, generous rewards, and new flexibility to pair with the Chase Sapphire Reserve credit card make it a must-consider for 2025. Whether you’re a frequent flyer or an occasional traveler, this card offers value and simplicity. Apply today to start earning points and enjoying travel perks tailored to your lifestyle.