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* Suggested credit score ranges for credit cards are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.
Chase Freedom Student Credit Card

Chase Freedom Student Credit Card

Card Details
VS
Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Card Details

Compare the Features and Benefits of Chase Freedom Student Credit Card and
Chase Sapphire Preferred® Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Primary Car Rental CDW Waiver
Annual Statement Credits
Earns Transferable Points
Global Entry / TSA PreCheck Reimbursement
Extended Warranty
Purchase Protection
Trip Protections
Roadside Assistance
Travel and Emergency Assistance Services
No Foreign Transaction Fees
Free Access to Credit Score
Chase Freedom Student Credit Card
Annual Fee
$0
Avg. Min. Credit Score
580-850
Ongoing APR
-
Balance transfers fees
-
Best Multiplier
1x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
🎁 Bonus offer
Get a $50 bonus after you make a purchase with 3 months of account opening.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(0) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

This card is no longer available to new applicants.

Read more
Unique Card Benefits
no
Primary Car Rental CDW Waiver
no
Annual Statement Credits
no
Earns Transferable Points
no
Global Entry / TSA PreCheck Reimbursement
no
Extended Warranty
no
Purchase Protection
no
Trip Protections
no
Roadside Assistance
no
Travel and Emergency Assistance Services
no
No Foreign Transaction Fees
no
Free Access to Credit Score
no
Chase Sapphire Preferred® Card
Annual Fee
$95
Avg. Min. Credit Score
670-850
Ongoing APR
19.24%-27.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
5x Lyft

Through September 2027

3x Dining Out / Food Delivery
3x Streaming Services
3x Gas Stations
3x EV Charging
2x Airfare

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.

2x Transit
2x Car Rentals

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.

2x Hotels

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points. 3X Points on Vacation Rentals Bookings through Airbnb, Vrbo, Plum Guide, HomeAway, Homestay.com, and Vacasa now earn 3X points.

2x Cruises

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.

1x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.0175
Bonus Offer
⚠️Offer Ending Soon
Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.05) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

💳 This card earns Chase Ultimate Rewards points. Chase often runs transfer bonuses where you can get even more points when you transfer to airline or hotel partners at designated times. Transfer bonuses are awesome. Get 20%, 30%, 40% or more bonus miles when you transfer points at the right times. But they are easy to miss!

You can see all past Transfer Bonuses from Chase Ultimate Rewards here.

Even better? Get notified when a new transfer bonus comes out and again before it ends (either or both, your choice). Sign up for free alerts right here. 🔔

We consider the Chase Sapphire Preferred® the best starter travel rewards credit card available today. For a modest $95 annual fee, you’ll earn bonus points in several categories, get up to a $100 statement credit for hotel stays purchased through Chase Travel℠, plus get a slew of travel protections.

The Chase Sapphire Preferred® credit card earns bonus points on travel purchases, dining, online grocery shopping, and select streaming services as well as gas and EV charging.

Although the credit card doesn’t earn bonus points on other purchases, you can pair the card with other Chase credit cards to boost your Chase Ultimate Rewards earning rate.

online-grocery-shopping-chase-sapphire-preferred-card

The Chase Sapphire Preferred® card justifies its annual fee year after year by providing the best set of travel protections on a card with under a $100 annual fee. Your car rentals will be automatically covered against theft and damage when you use your card and primary coverage (secondary for New York residence with their own vehicle insurance) means your own insurance won’t have to get involved. You’ll be protected against weather delays, lost luggage, and trip interruptions or outright cancellations.

Additionally, you’ll get benefits from several partners. For example, earn 5 points per dollar on Lyft rides through September 2027. Plus, you can get lower service fees when you use DoorDash by enrolling to get one complimentary year of DashPass through December 2027.

Read more
Unique Card Benefits
yes
Primary Car Rental CDW Waiver
yes
Annual Statement Credits
yes
Earns Transferable Points
yes
Global Entry / TSA PreCheck Reimbursement
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Roadside Assistance
yes
Travel and Emergency Assistance Services
yes
No Foreign Transaction Fees
yes
Free Access to Credit Score
yes

Learn more about these cards today

Chase Freedom Student Credit Card

Card Details

Chase Sapphire Preferred® Card

Card Details

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