Chase Freedom Vs Unlimited. Chase Sapphire Preferred – Forbes Advisor


Earn Ultimate Rewards on Off-Portal Travel Purchases

The Chase Sapphire Preferred® Card earns 2 Ultimate Rewards points per dollar on travel purchases made outside of the Chase Ultimate Rewards portal. That’s higher than the base points per dollar that would be awarded on travel purchases made with a Chase Freedom Unlimited® Card.

Both cards earn the same number of Ultimate Rewards points per dollar on purchases made through the Chase Ultimate Rewards travel portal.

Improve the value of ultimate rewards

Chase Freedom Unlimited® and Chase Sapphire Preferred® cards earn points in Chase’s Ultimate Rewards program. Normally, Ultimate Rewards can be redeemed for a cash back credit at 1 cent per point. However, if you’re looking for extra cash value from your rewards, consider that the Chase Sapphire Preferred® Card gives you 25% more value for your Ultimate Rewards points when you redeem them for travel.

If you redeem your points for travel purchases through Chase Ultimate Rewards, Chase will sweeten the offer and give you 25% more value for your points when you redeem them for travel. When redeemed for travel, your points are worth 1.25 cents each, or 10,000 points worth $125 for travel when redeemed through Chase Ultimate Rewards.

Plus, Chase Sapphire Preferred® cardholders earn 25% more rewards value when redeeming with Pay Yourself Back. With Pay Yourself Back, you can redeem your points for statement credits toward existing purchases in select rotating categories.

Transfers to airline partners

One of the key benefits of a premium credit card offering Ultimate Rewards like the Chase Sapphire Preferred® Card is the ability to transfer points to airline partners. Many Chase Ultimate Rewards point collectors find transfers to international airlines for premium cabin travel redemptions to be among the best uses for Ultimate Rewards points.

Some of the most attractive transfer partners for travelers based in North America include international airlines such as Virgin Atlantic, Air Canada, Air France/KLM and British Airways, which can be used both to book international award tickets and US domestic flights through each program’s schedule. partner airlines. If you want simplicity, Chase Ultimate Rewards delivers through its partnerships with United Mileage Plus, Southwest Rapid Rewards, and JetBlue TrueBlue.

In addition to airline partners, Chase allows point transfers to Hyatt, IHG and Marriott Bonvoy. We think Hyatt is generally the most valuable partner among Chase hotel partners due to their lower reimbursement rates, but IHG and Marriott loyalists might find value in transfers to these programs to top up balances. accounts for hotel rewards.

Travel insurance benefits

If you travel frequently, one of the most valuable benefits of credit cards may also be one of the most overlooked: travel protection. Chase Freedom Unlimited® and Chase Sapphire Preferred® cards both offer Trip Cancellation/Interruption Insurance. Both cards also offer car rental loss and damage insurance. Finally, both cards offer a travel assistance service that can perform medical and legal referrals, but the costs of the services provided are the responsibility of the cardholder.

If you travel frequently, the Chase Sapphire Preferred® Card might be a better fit for your wallet. The rental car loss and damage insurance offered by the Chase Sapphire Preferred® card is primary insurance, while Chase Freedom Unlimited® only offers secondary insurance. In addition, the Chase Sapphire Preferred® Card includes Trip Delay Reimbursement Insurance and Lost and Delayed Baggage Insurance.


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