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Your Best Credit Cards has partnered with CardRatings and MyBankTracker for our coverage of credit card products. Your Best Credit Cards and our partners may receive a commission from card issuers. Some or all of the offers that appear on Your Best Credit Cards are from advertisers and may influence how and where products are displayed on the site, as well as their rankings in tables. Your Best Credit Cards does not include all card companies, banks, or all available card or bank offers. Commissions do not affect or prioritize placement within our Card Explorer results, and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

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Chase Sapphire Preferred® Card Chase Sapphire Preferred® Card image
Card Details
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Chase Sapphire Preferred® Card

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(4.1) 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.
Min Credit Score:
Good (670-739) *
Annual Fee:
$95

☝ Increased Offer

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

Get up to a 40% transfer bonus when you transfer Chase Ultimate Rewards to Virgin Atlantic Flying Club.

Tiered Offer Based On Transfer Date
Offer expires on Dec 05, 2025

Get 40% bonus Virgin Points when you transfer Ultimate Rewards points between 12:00 AM ET on November 7, 2025 and 11:59 PM ET on November 20, 2025.

When the early bird offer ends, get 30% bonus Virgin Points when you transfer Ultimate Rewards points between 12:00 AM ET on November 21, 2025 and 11:59 PM ET on December 5, 2025.

Chase did this two tiered transfer bonus earlier this year as well (February), with 40% for two weeks, then 30%. They also had a flat 25% offer in the middle of this year. See all past transfer bonuses to Virgin Atlantic.

Redeem for flights starting at 6,000 points. We like using points for domestic Delta flights (when there is availability!) as well as for SkyTeam flights and, of course, ANA First and Business Class flights. Virgin’s own flight rewards are dynamically priced but with high surcharges. I’d been seeing a lot of Upper Class seats from 29,000 points but I’m not seeing much now so do some homework on what you are hoping to book before transferring.

ANA First and Business class awards:

  • First Class to/from Japan from West Coast: 145,000 points Round Trip
  • First Class to/from Japan from East Coast: 170,000 points Round Trip
  • Business Class to/from Japan from West Coast: 105,000 points Round Trip
  • Business Class to/from Japan from East Coast: 120,000 points Round Trip

(Note that you can book one way for half the price of the points price listed.)

Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

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

5 x
Airfare
Estimated Rewards Value: 8.75%

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

5 x
Car Rentals
Estimated Rewards Value: 8.75%

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

5 x
Hotels
Estimated Rewards Value: 8.75%
3 x
Dining Out / Food Delivery
Estimated Rewards Value: 5.25%
3 x
Streaming Services
Estimated Rewards Value: 5.25%
2 x
Transit
Estimated Rewards Value: 3.5%
2 x
Cruises
Estimated Rewards Value: 3.5%
1 x
Everything Else
Estimated Rewards Value: 1.75%
+
 more
Notify me of bonus offer changes
  • Earns valuable and highly flexible Chase Ultimate Rewards points
  • Extensive travel protections -- including lost luggage insurance and a collision damage waiver on rental cars up to $60,000 (Primary except in NY where it is secondary)
  • 3X points on dining means you can rack up points quickly!

Pros

  • You can offset the annual fee by more than half with the $50 annual credit on hotel stays purchased through Chase Travel℠
  • Earns valuable and highly flexible Chase Ultimate Rewards points.
  • Extensive travel protections -- including lost luggage insurance and a damage waiver on rental cars.

Cons

  • A low earning rate of 1x point per dollar on other purchases keeps it from being an ideal everyday spending card.
  • High credit scores required for account opening.
  • Lack of travel benefits like a Global Entry application fee credit.
Annual Fee: $95
Foreign
Transaction Fee: 0%
Min Credit
Score: Good (670-739) *
Point
Value: $0.01-$0.0175

The Sapphire Reserve, Sapphire Preferred, Chase Sapphire Reserve for Business, and Ink Preferred all have the ability to transfer to airline and hotel partners. We use an average value that you can expect to get by utilizing your points for these transfer partners. In the Chase Travel℠ portal, Points Boost allows you to redeem for airfare or hotels with point values ranging from 1.5 - 2 cents depending on cabin class or hotel. Specific flights and hotels that appear in Point Boost vary. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. You can also read our Guide to Chase Ultimate Rewards points.

APR: 19.74%-27.99% (Variable)
Balance
transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
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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.
Last Updated: November 10, 2025
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
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Citi Strata℠ Card

Annual fee
$0
Point value
$0.01 -
$0.017
Best Multiplier
3x Groceries
3x Gas Stations
+ 3 more

Bonus Offer

There is no bonus offer at this time

Card Details
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Citi Strata Elite℠

Annual fee
$595
Point value
$0.01 -
$0.017
Best Multiplier
12x Hotels
12x Car Rentals
+ 3 more

Bonus Offer

For a limited time, earn 100,000 bonus Points after spending $6,000 in the first 3 months of account opening.

Card Details
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Chase Sapphire Reserve for Business℠

Annual fee
$795
Point value
$0.01 -
$0.0175
Best Multiplier
8x Airfare
8x Hotels
+ 4 more

Bonus Offer

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.

Card Details Learn How to Apply
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Annual fee
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Point value
$0.01 -
$0.017
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A Very Premium Credit Card

Annual fee
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Point value
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Best Multiplier

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Miles and Lounge Access

Annual fee
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Point value
$0.014
Best Multiplier

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Business Airline Credit Card Earning Valuable Miles for oneworld Flights

Annual fee
$95
Point value
$0.017
Best Multiplier

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Click Learn How to Apply to See Offer

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Mid Tier Airline Credit Card Earning Valuable Miles for oneworld Flights

Annual fee
$350
Point value
$0.014
Best Multiplier

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Premium Airline Credit Card Earning Valuable Miles for oneworld Flights

Annual fee
$395
Point value
$0.017
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details Learn How To Apply
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Airline Credit Card Earning Valuable Miles for oneworld Flights

Annual fee
$95
Point value
$0.017
Best Multiplier

Bonus Offer

Click Learn How to Apply to See Offer

Card Details Learn How To Apply

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