1. Chase Sapphire Preferred® Card
Best for: multipliers + transfers- Rewards: 5x Chase Travel℠, 3x dining/streaming/online groceries
- Welcome bonus: 60,000 pts after $4,000 spend
- Annual fee: $95
- Perks: No foreign fees, travel insurance, point transfers
You want strong everyday earn without premium fees
You’re ok using transfer partners for outsized trips