ByIs the Chase Sapphire Preferred still worth it in 2025? We break down the welcome bonus, earning rates, benefits, and perks to help you decide if it’s right for you.
The Chase Sapphire Preferred® Card has long been considered one of the best travel credit cards ever created. In 2025, with countless new credit cards flooding the market, it’s natural to wonder — is this card still worth a spot in your wallet?
If you’re new to the world of credit cards and points, the Chase Sapphire Preferred has consistently been a favorite among beginners and seasoned travelers alike. Let’s break down why.
Welcome Bonus
The Chase Sapphire Preferred offers a 60,000-point sign-up bonus after spending $4,000 within the first 3 months of account opening. Depending on how you redeem these points, they can be worth between $600 to over $1,000. Points are most valuable when transferred to airline or hotel partners.
Earning Categories
The card offers strong earning potential across popular spending categories:
✅ 5x points on travel purchased through Chase Travel
✅ 3x points on dining, select streaming services, and online grocery purchases (excludes Walmart, Target, wholesale clubs)
✅ 2x points on all other travel
✅ 5x points on Lyft rides through March 2025
Additionally, you earn a 10% anniversary points bonus on total spending from the previous year — spend $10,000, get 1,000 bonus points.
Annual Fee
The Chase Sapphire Preferred comes with a $95 annual fee. However, the $50 annual hotel credit through Chase Travel effectively brings this down to $45, making it one of the best value travel cards on the market today.
Key Benefits & Protections
✈️ Travel Transfer Partners
Chase Ultimate Rewards® points can be transferred to top-tier partners like:
- United MileagePlus
- Southwest Rapid Rewards
- Air Canada Aeroplan
- World of Hyatt
These partnerships open the door to free flights, business class upgrades, and luxury hotel stays.
🔥 25% Travel Redemption Boost
Redeem points through Chase Travel and receive 25% more value (1.25¢ per point). For example, 60,000 points are worth $750 toward travel.
🚗 Rental Car Insurance (Primary)
Offers primary rental car coverage against collision and theft both in the U.S. and abroad, a benefit typically reserved for more premium cards.
🛫 Travel Insurance
- Trip Cancellation/Interruption Insurance (up to $10,000 per person, $20,000 per trip)
- Baggage Delay Insurance ($100 per day, up to 5 days)
- Trip Delay Reimbursement
🛍️ Purchase Protections
- 120-day protection for theft or damage (up to $500 per claim)
- Extended warranty of 1 additional year on warranties of 3 years or less
Why It’s Still Worth It in 2025
✅ Still one of the best beginner-friendly travel cards
✅ Access to Chase’s valuable points ecosystem
✅ Useful perks that far outweigh the annual fee
✅ Ideal for travelers who want flexibility and value
Whether you’re looking to book your first free flight or maximize points on dining, travel, and groceries, the Chase Sapphire Preferred remains one of the strongest choices in 2025.
Final Verdict
Is the Chase Sapphire Preferred still worth it in 2025?
Absolutely. With strong earning potential, valuable travel perks, generous protections, and versatile points, this card continues to be a must-have for travelers looking to maximize their credit card strategy.
