Cards · Chase · Visa Signature
Sapphire Preferred
The default first travel card: transferable points for $95 and no credit homework.
Track this card in Cardful. Free, nothing to link.
Where it earns
The multipliers.
Paid in Ultimate Rewards, about 2.1¢ a point at RRV. Cardful ranks this card against the rest of your wallet for every purchase, using these rates and an honest point value.
Statement credits
$496 a year, if you use all of it.
Each credit runs on its own reset schedule, and each name opens the full breakdown of how it resets and where it is most often wasted. Cardful remembers partial use and reminds you before a window closes.
The honest read
Worth it, or not.
Worth it if
- 3× dining, online grocery and streaming, 2× on travel.
- The same Ultimate Rewards transfer partners as the Reserve, for $700 less.
- The hotel credit alone covers most of the fee.
Think twice if
- 2× on travel is modest next to the premium cards.
- The hotel credit only applies to bookings through Chase Travel.
- The DoorDash credit is small, monthly, and easy to forget.
The fee
Is the fee worth it?
On paper the credits are worth $496 a year against a $95 fee. The honest question is which of them you will genuinely use. How the verdict works →
Sapphire Preferred · $95 fee
Every credit used in full, no points counted
Almost nobody uses every credit in every window. Cardful tracks what you actually claim and gives the keep, downgrade or cancel verdict on your real renewal date.
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Terms last verified against the issuer’s published page on . Card terms change without notice — always confirm on the issuer’s site before applying.
Track what you already carry.
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