Chase Sapphire Preferred: Best for beginners

The Chase Sapphire Preferred offers 60,000 bonus points when you spend $4,000 on purchases

in the first three months after you open the account

or in other eligible categories using the card’s “Pay Yourself Back” tool.

– Earn 2 points for every dollar spent on travel, or 5 total points if purchased through Ultimate Rewards.

– Earn 5 points per dollar on Lyft rides through March 2025.

– Points can also be transferred to any of Chase’s 14 airline and hotel partners.

– 10% anniversary point bonus on all your yearly spending.

– No foreign transaction fees. – $95 annual fee.