The #1 Travel Credit Card For Your Honeymoon: The Chase Sapphire Preferred

Best Credit Card for Honeymoon

CSP: The Best Credit Card for Honeymoon Travel Hacking

Signup bonus:

Chase Sapphire Preferred offers a signup bonus of 60,000 Ultimate Rewards points for opening the card and spending $4,000 in 3 months.  These points are worth at least $600 in cash back ($0.01 per point), $750 towards travel if points are redeemed through Chase’s travel shopping portal (link), or even greater value in some cases if Chase Ultimate Rewards points are transferred to partners and redeemed for travel. 

You can signup for the offer here (link)

Annual fee: 

There is an annual fee of $95 for the primary card.  The $95 fee will be charged on the first billing statement.

Signup bonus terms: 

  • You will not be approved for the Chase Sapphire Preferred card if you have an active Chase Sapphire Reserve, Sapphire Preferred, or Sapphire card. 
  • You will not receive the signup bonus of 60,000 points if you have received the signup bonus on the Chase Sapphire Reserve, Sapphire Preferred, or Sapphire within the past 48 months.  Only one “Sapphire” bonus is available every 48 months.

Chase’s 5/24 Rule:

Most Chase cards appear to be subject to 5/24 restrictions, meaning that you are unlikely to be approved if you’ve been approved for five or more consumer credit cards in the last 24 months.  The Chase system does include cards like authorized user cards and store credit cards.  If you were rejected for this card, or other Chase cards, you can contact their credit card department reconsideration line and explain that some cards were authorized user cards or store cards, they can manually approve your application for a new card.

You can check the number of accounts and their age through a credit tracking site like CreditKarma (available both through mobile applications or desktop) – Link.  You can check how many accounts as being opened in the past 24 months.

Card earnings: 

  • 2 points per dollar on travel, including airfare, hotels, car rentals, cruises, subways, trains, taxis, tolls, parking, Airbnb, Lyft, Uber, etc.
  • 2 points per dollar on dining.
  • 1 point per dollar elsewhere.
  • There are no foreign transaction fees.

Spend Threshold:

You will need to spend $4,000 on the Chase Sapphire Preferred card within 3 months of opening.  I recommend using your cards to pay for typical monthly expenses.  In some cases, I have pre-paid some expenses like electric bills, car insurance, or internet bills to meet a signup bonus. 

Other Card benefits:

  • Extended Warranty Protection
  • Travel and Emergency Assistance Services
  • Trip Cancellation/Trip Interruption Insurance
  • Primary rental car CDW insurance in every country.
  • Lost Luggage Insurance and Baggage Delay Reimbursement
  • Trip Delay Reimbursement
  • Travel Accident Insurance
  • Purchase protection for items damaged or stolen within 120 days

Airline and hotel transferability:

Chase Ultimate Rewards points are transferable to a number of airline and hotel transfer partners.  You are able to transfer the Ultimate Rewards points to your or someone in your households hotel or airline mile accounts.  This feature is remarkably valuable as it provides a large amount of flexibility to accrue points in one central location and transfer only the amount required to meet a specific redemption. 

Airline transfer partners:

You can transfer points at a 1:1 ratio to:

Airline Travel Partners

  • Aer Lingus, AerClub
  • British Airways Executive Club
  • Emirates Skywards®
  • Flying Blue AIR FRANCE KLM
  • Iberia Plus
  • JetBlue TrueBlue
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards®
  • United MileagePlus®
  • Virgin Atlantic Flying Club

Hotel transfer partners:

You can transfer points at a 1:1 ratio to:

Hotel Travel Partners

  • IHG® Rewards Club
  • Marriott Bonvoy
  • World of Hyatt®

Card Upgrade and Downgrade Paths:

You can call Chase to convert this card to any of the following cards into another card from this list after holding the card for 12 months:

Chase Freedom Card ($0 annual fee)

Chase Freedom Unlimited Card ($0 annual fee)

Chase Sapphire Reserve ($450 annual fee)

Chase Family Combinations:

Different Chase family cards have different benefits.  By using the card with the greatest benefit, you can earn a large amount of Chase points on everyday spending and transfer all of those points to the Chase Sapphire Preferred. 

Read more about this strategy in this post.

Chase Ultimate Rewards greatest value is their versatility.

The Chase Sapphire Preferred card allows anyone in the household to convert Chase points into partners into airline or hotel miles and points.  But, the points can also be used at a value of 1.25 cents per point for travel booked through Chase’s travel portal.  So, if there is a particularly good value, you can purchase that “good value” with Chase points.  If you do not find any travel expenses, you can always receive cash back at 1 cent per point for the Chase Ultimate Rewards.

This allows incredible flexibility in redeeming these Chase points.

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