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Author - Sam
Updated: March 25, 2025 | Credit Card Review The card_name is a great basic travel card. It comes along with a great suit of various travel insurances. Plus your points are worth 25% more when redeemed through Chase Travel (SM). This card is the perfect match for a traveler looking for an overall great travel card. Check out more details about the benefits below.
I think the card_name is an excellent card for someone looking for a good basic travel card. The annual fee is only $95 so you can get yourself a travel card without investing too much. I wouldn’t consider the benefits on the card as luxurious but this is a low-cost card. The card has a great suite of basic travel benefits and protections (outlined in detail below). You are also looking at the cheapest Chase card that allows you to transfer points through Chase Travel (SM) to airline and hotel partners! Plus, your points are worth 25% more when redeemed through Chase Travel (SM).
- Credit: Good credit needed (you will probably need at least one credit card open for more than a year)
- Chase 5/24 rule: Chase will decline an applicant that has opened 5 or more personal cards (other issuers included) in the past 24 months. Hence, 5/24 rule
- Max cards: You can get approved for up to 2 Chase credit cards in 30 days. Business cards and personal cards are counted separately
- Apply for two cards: If you apply for one Chase card and get approved, it is recommended to apply for a second card since Chase is very good about approving for two cards, even within the same day. If the first application is still pending, wait for it to be approved before you apply for a second card
- Credit bureau: Chase Bank will usually pull your Experian credit report
- Combining same-day credit inquiries: Some data points suggest that credit inquiries for all Personal Chase cards for same-day applications will be combined; also, credit inquiries for all Business Chase cards for same-day applications will be combined. Credit inquiries for Personal and Business card applications will not be combined.
- Check application status: You can check your application status at Chase.com / Customer Center / Check my app status or call 1 888 338 2586
- Reconsideration: If declined you can call 1 888 609 7805 to be reconsidered
Quickest way to get my card: You will be able to add your new card to your mobile wallet immediately after you get approved (it can sometimes take up to an hour for it to show up in your online login). You can also request Chase to overnight your physical card by calling Chase customer service.
- Downgrade options: The Chase Sapphire Preferred card can be downgraded to Freedom Unlimited ($0), Freedom Flex ($0), or to the Sapphire ($0) - only available via product change. Please note, Chase will only allow you to downgrade the card after 12 months of account opening.
Approval Monitor (submitted by HelpMeBuildCredit users)
Credit limit range $5,000-$45,000
Avg. Credit limit$11,427
Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.
HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application
Get 10% anniversary bonus points when you renew your card. Chase will give you an extra 10% in points of what you spend; for spending $25,000 you’d get 2,500 in bonus points.
Worldwide primary coverage on rentals (for N.Y. residents, insurance is secondary). Coverage is for rentals up to 31 days.
Get a $50 annual hotel credit each cardmember year. The hotel booking must be made through the Chase Travel Portal.
Get a complimentary DashPass membership through 12/31/27, plus $10 monthly in DoorDash credits. Enrollment required.
Get your original manufacturer’s warranty time-matched (up to a year). (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim, $50,000 per account.
Points are worth 25% more when redeemed for travel through Chase Travel (SM)
No foreign transaction fee.
Get up to $3,000 per person for lost or damaged luggage.
If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 5 days.
Get refunded if your purchase is damaged, or stolen for up to 120 days from the date of purchase. Max $500 per claim, $50,000 per account.
Get roadside service assistance for $59.95 per call.
Get coverage if you, G-d forbid, die in an accident while traveling or lose a limb, sight, speech, or hearing (on common carriers). Receive up to $500,000 in compensation.
Coverage for canceled or interrupted travel due to an unforeseen medical emergency etc. Max $10,000 per person and $20,000 per trip for non-refundable travel expenses including flight tickets, hotels, and more.
If your flight is delayed for 12+ hours, you can claim up to $500 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items.
The points can be redeemed as cashback for 1 penny per point.
If you only have the Chase Sapphire Preferred Card then you can get 1.25 cents per point through Chase Travel (SM).
If you also have the Chase Sapphire Reserve then you can transfer your points from your Chase Sapphire Preferred Card to the Reserve to redeem 1.5 cents per point through Chase Travel (SM).
With Chase Travel (SM), you can book any travel including flights, car rentals, hotels, and more (similar to Expedia).
You can transfer your points to any of the following Chase Travel Partners.
Airline partners:
| Transfer Ratio | Transfer Time | |
| Aer Lingus, AerClub | 1:1 | Instant |
| Air Canada, Aeroplan | 1:1 | Instant |
| British Airways, Avios | 1:1 | Instant |
| Emirates, SkyRewards | 1:1 | Instant |
| Air France/KLM, Flying Blue | 1:1 | Instant |
| Iberia, Iberia Plus | 1:1 | Instant |
| JetBlue, TrueBlue | 1:1 | Instant |
| Singapore Airlines, KrisFlyer | 1:1 | 12-24 hours |
| Southwest, Rapid Rewards | 1:1 | Instant |
| United Airlines, MilagePlus | 1:1 | Instant |
| Virgin Atlantic, FlyingClub | 1:1 | Instant |
Hotel partners:
| Ratio | Transfer Time | |
| Hyatt, World Of Hyatt | 1:1 | Instant |
| IHG, Rewards Club | 1:1 | 1 day |
| Marriott, Bonvoy | 1:1 | 2 days |
You can also Pay Yourself Back by paying for purchases on your card and offsetting the purchases with points. You can get 1.25 cents per point.
This can only be done on purchases within certain categories, and Chase constantly changes the eligible categories. The current category until 12/31/24 is:
- Select charities
