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Independent · October 2026 · Ranked by math
Chase Sapphire Preferred — Is It Worth It in 2026?
75,000-point welcome bonus after $5,000 spend. 5x on Chase Travel portal, 3x on dining, online grocery, and streaming, 2x on other travel. 14 transfer partners including United, Hyatt, Aeroplan, and Singapore KrisFlyer. The most versatile travel card under $100. Ranked by math — compensation never changes the order.
Welcome bonus
75k pts
After $5,000 spend in 3 months
Annual fee
$95
$50 hotel credit offsets ~half
Transfer partners
14
10 airlines + 4 hotels at 1:1
Foreign transaction fee
None
Use anywhere internationally
Independent·Compensation never changes rankings·No sponsored rankings·Card data from our database, verified on each issuer’s site; dates shown
Who the Chase Sapphire Preferred is best for
Best for
First travel card
The most versatile entry point into transferable points. 14 partners, 3x dining, no foreign transaction fee, $95 annual fee. Nothing at this price matches the flexibility.
Best for
Hyatt + United earner
Chase UR transfers 1:1 to Hyatt (best hotel value in the industry) and United MileagePlus. CSP is the cheapest way into Chase’s transfer ecosystem.
Not ideal for
Premium travel spenders
If you spend heavily on travel and dining and use lounges, the Chase Sapphire Reserve’s 8x Chase Travel earn (vs. CSP’s 5x), $300 travel credit, and Priority Pass justify its $795 fee. See CSP vs CSR comparison.
Not ideal for
Cash back focus
If you prefer cash back over travel points, a 2% flat-rate card or the Citi Double Cash earns more predictable value with no annual fee to offset.
Earning rates
| Category | Earn rate | Notes |
|---|---|---|
| Chase Travel portal | 5x UR | Flights and hotels booked through Chase Travel. Highest earn rate. Excludes hotels that qualify for the $50 annual hotel credit. |
| Dining | 3x UR | Restaurants, eligible delivery (DoorDash, Uber Eats), takeout, and dining out worldwide. |
| Streaming services | 3x UR | Select streaming services (Netflix, Spotify, Hulu, and most major subscriptions). |
| Online grocery | 3x UR | Instacart, Amazon Fresh. Excludes Target, Walmart, and wholesale clubs. |
| Travel (non-portal) | 2x UR | Flights, hotels, rental cars, transit. Broad definition includes Airbnb and Lyft. |
| All other purchases | 1x UR | Everything else. Plus a 10% anniversary points bonus on total purchases each cardmember year. |
Anniversary bonus: CSP gives you 10% extra points on the prior year’s total purchases each anniversary. If you spend $30,000 in a year, that’s 3,000 bonus points (~$60 in transfer value). Modest, but it stacks.
Transfer partners (all 1:1)
Chase Ultimate Rewards transfers to 10 airline and 4 hotel programs at a 1:1 ratio. Below are the partners that consistently deliver the highest redemption value. Verified against live transfer partner data, October 2026.
Best value — Hotel
World of Hyatt
Avg ~1.7¢/pt. Park Hyatt, Andaz, Alila. Best hotel redemption value of any Chase partner. Transfer 25K UR for a $400+ night. Instant transfers.
Best value — Domestic
United MileagePlus
Hawaii saver awards from 22.5K. Star Alliance partner awards. Instant transfers. Best domestic US award program in the Chase ecosystem.
Best value — International
Air Canada Aeroplan
Surcharge-free Star Alliance awards. Business class to Europe ~60K one-way. Best international redemption option in the Chase ecosystem.
Premium cabin — Asia
Singapore KrisFlyer
Singapore Airlines business class and Suites via KrisFlyer. Also books partner awards on Star Alliance carriers at competitive rates.
Europe — Avios
British Airways
Distance-based pricing. Short-haul Europe from 10K Avios. Also books AA domestic and Iberia transatlantic awards via Avios pooling.
Sweet spots
Air France/KLM Flying Blue
Periodic transfer bonuses (typically 25–40%). Monthly Promo Rewards pricing makes Paris business class redemptions reachable from ~50K one-way.
All 14 Chase UR transfer partners (from our database):
Airlines (10): Aer Lingus AerClub, Air Canada Aeroplan, Air France/KLM Flying Blue, British Airways Executive Club, Iberia Plus, JetBlue TrueBlue, Singapore Airlines KrisFlyer, Southwest Rapid Rewards, United MileagePlus, Virgin Atlantic Flying Club.
Hotels (4): IHG One Rewards, Marriott Bonvoy, World of Hyatt, Wyndham Rewards. All transfer at 1:1 (Marriott points are lower per-point value despite the 1:1 ratio).
Airlines (10): Aer Lingus AerClub, Air Canada Aeroplan, Air France/KLM Flying Blue, British Airways Executive Club, Iberia Plus, JetBlue TrueBlue, Singapore Airlines KrisFlyer, Southwest Rapid Rewards, United MileagePlus, Virgin Atlantic Flying Club.
Hotels (4): IHG One Rewards, Marriott Bonvoy, World of Hyatt, Wyndham Rewards. All transfer at 1:1 (Marriott points are lower per-point value despite the 1:1 ratio).
Active Chase UR transfer bonuses
Transfer bonuses currently running for Chase UR. A 30% bonus means you need ~23% fewer points for the same award. Bonus list comes from our database, verified on each issuer’s site.
No active Chase UR transfer bonuses right now. Check back — new bonuses typically run monthly.