Chase Sapphire Preferred vs. Chase Freedom Flex

When it comes to tourists, though, the Sapphire Preferred stands out as the best option. That's because it grants access to a wealth of travel benefits that aren't available with the Chase Freedom FlexSM card, such as increased point values and transfer partners.

We'll tell you everything you need to know to choose between Chase Sapphire Preferred vs Chase Freedom Flex. What is, however, a pro tip? Think about both options. This will be elaborated on in the future.

They were quickly contrasting the two.

The Chase Freedom FlexSM may be a cash-back card, but it and the Chase Sapphire Preferred® Card earn points in the currency known as Chase Ultimate Rewards®. Each point is worth 1 cent when redeemed for cash back, but there are other ways to use them, too. You can also get rental car insurance through the Chase Freedom FlexSM, but it will take precedence over your regular auto policy.

Positive Consequences

Save 3 per cent when eating out. Obtain a rebate of 3% on all Pharmacy purchases. On all other purchases, you'll receive 1% cash back. When you book your trip with Chase, you'll get 5 points for every $1 you spend. You'll get three points for every dollar spent on qualified restaurants, some streaming services, and some online grocery orders. Except for airfare, all other travel expenses get 2 points per dollar. All other purchases earn one point for every dollar spent.

Here's where the Chase Sapphire Preferred® Card stands out.

Rewards points have greater potential utility and adaptability. Chase Sapphire Preferred® Card points are typically redeemable for one cent each. Chase Ultimate Rewards® travel redemptions increase the value of each point by 25%. For instance, 80,000 points can be redeemed for $800 in cash, but $1,000 for travel booked through Chase.

Earn extra from the outset with the help of a signup bonus.

There's no contest here for new cardholders, as the Chase Sapphire Preferred® Card dominates. Spend $4,000 in the first three months after opening your account, and you'll get 60,000 bonus points. In the case of Chase Ultimate Rewards®, that translates to $750 in travel credits. That's a huge perk, regardless of how you pay it out.

The value of a service is increased by its bonuses.

The card's additional travel benefits may mitigate the $95 annual fee for the Chase Sapphire Preferred® Card:

Bonus on the anniversary: The Chase Sapphire Preferred® Card offers generous recurring benefits across several well-liked spending areas on top of a special perk. Your annual bonus will be 10% of your spending from the previous year. Using this example, if you used your credit card to make $20,000 in purchases, you would receive 2,000 bonus points in addition to your standard earnings.

In-House Credit of $50: When you book a hotel through the Chase travel site, you can receive a statement credit of up to $50 each year.

Automobile rental company's primary insurance: When you rent a car in the United States or abroad and pay with your Chase Sapphire Preferred® Card, you're covered for theft and accident damage. You can also get rental car insurance through the Chase Freedom FlexSM, which will precede your regular auto policy.

With it, you can take advantage of a 0% introductory APR promotion and other benefits.

Chase Freedom FlexSM customers can take advantage of a 0% initial APR on purchases and balance transfers for 15 months, followed by a variable APR of 18.74%-27.49%. No 0% intro APR period is offered on the Chase Sapphire Preferred® Card.

The Chase Freedom FlexSM is a World Elite Mastercard. It has several additional benefits that you find useful, such as cell phone insurance and discounts and special incentives on services like Fandango, ShopRunner, and more.

It is a waste to choose one over the other.

Chase Freedom FlexSM, with no annual fee, is the best credit card to use for Chase Ultimate Rewards® for cash back.

The Chase Sapphire Preferred® Card is a better credit card to carry around if you want to redeem your points for trips.

One can select both options. In some situations, possessing both cards is optimal.

To get more value out of your Chase Freedom FlexSM points or transfer them to one of the many Sapphire travel partners, you can transfer them to your Chase Sapphire Preferred® Card.