Chase Sapphire Preferred Benefits: A Goldmine Of Travel Perks
Up to 5x Reward Rate
Earn 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on allRead More
100,000 bonus points
$95
19.99% - 28.24% Variable
Excellent, Good (700 - 749)
For a limited time, cardholders can earn 100,000 bonus points after spending $5,000 on purchases in the first three months from account opening. That's the highest offer we've ever seen on the card and one you won't want to miss.
While your bonus (and any other Chase Ultimate Rewards® you earn) can be redeemed as cash back, you'll get even more value by applying them toward travel. Redeem those points for bookings made with Chase Travel℠ and you'll receive $1,250 in value thanks to a 25% bonus—with no complicated redemption strategies, learning curves or blackout dates to worry about. Or transfer your points to partnering airlines and hotels and potentially save even more.
In addition to its welcome offer, the Sapphire Preferred earns Ultimate Rewards® on every purchase:
Cardholders get an annual boost, too. Each year after your card member anniversary, you'll receive a points bonus worth 10% of your total purchases for the year. That's like finding free money, and it's another easy way to get extra value from your Sapphire Preferred.
The card's real magic lies in the redemption options. Points can be redeemed as a statement credit, for trips booked through the Chase Travel website with a 25% bonus or by transferring points to Chase's airline and hotel partners. The flexibility means the card will remain a good fit even as your travel preferences or lifestyle change.
Chase Ultimate Rewards Travel Partners
For travelers willing to take the extra step, transferring your points to travel partners can lead to exceptional rewards. With 100,000 Ultimate Rewards, you could take any one of these high-value trips for free and still have points left over.
Chase hands over a $50 hotel credit each year to cardholders, which is one of the best Sapphire Preferred benefits. To earn your statement credit, you'll simply need to make one or more hotel bookings via Chase Travel and pay with your Sapphire Preferred credit card. There's no minimum purchase requirement and no restrictions on when or where you can use it. Anyone who travels even once per year should be able to make good use of this perk.
Compared to other midrange travel rewards cards, the Sapphire Preferred outdoes itself with a selection of essential travel protections. Most trips paid for with your Chase Sapphire Preferred® Card will be automatically covered under several forms of trip insurance:
Though this benefit is standard among premium travel rewards cards, it shouldn't be overlooked. There are no foreign transaction fees on the Sapphire Preferred, which can save you serious cash throughout your cardholder relationship. Other cards charge up to 3% on every purchase made in other currencies, but you won't pay an extra dime when paying with the Sapphire Preferred.
Find the best travel credit card for your travel needs.
The Chase Sapphire Preferred strikes a winning balance between an accessible annual fee and valuable travel benefits that nearly anyone can use. Its flexible rewards, robust trip protections and easy-to-use Chase Travel Hotel Credit make it a popular package for travelers. With the limited-time 100,000-point bonus, it's even more exciting. Cardholders can enjoy an upfront prize while setting themselves up with the ongoing benefits of the Sapphire Preferred.
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With Canadian tuition averaging $7,076 per year for undergraduate programs in 2024, according to Statistics Canada, finding every possible student discount can help offset living costs and reduce debt after graduation. Students can find discounts with varioius retailers, as well as products and services aimed at helping you manage your money while you concentrate on your studies. Don't Miss Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan 'works every single time' to kill debt, get rich — and 'anyone' can do it The Canadian economy is showing signs of softening amid Trump's tariffs — protect your wallet with these 6 essential money moves (most of which you can complete in just minutes) What is the best credit card in Canada? It might be the RBC® British Airways Visa Infinite, with a $1,176 first-year value. Compare it with over 140 more in 5 seconds Here's what you need to know about finding student discounts in Canada. Whether you're shopping for a new laptop, looking to stream some tunes, using services to get around or looking to cut costs on essentials, here are more than a dozen student discounts to consider. Are you eligible for a student discount? While the eligibility for each student discount may vary, the general requirements are pretty simple: Be enrolled in a qualifying post-secondary education program Provide proof of current enrollment Providing proof is pretty simple. Either show your student ID card or any other documentation from the school to show you are a current student. Also, many retailers partner with verification services like SheerID and to confirm your student status online. This means you can access discounts without visiting a store, as long as you have a valid school-issued email address or enrollment documents. Student discount programs One of the best options for student discounts are designated student discount programs. These programs provide you with a loyalty card that comes equipped with discounts for a variety of things at multiple businesses. Here are some of Canada's top rated student discount programs you might want to check out: The Student Price Card, or SPC, has more than one million Canadian members and offers 450+ student-exclusive deals, discounts, giveaways, contests, and limited-time offers, including partnerships with Indigo and DoorDash. At the membership cost of $10/year, this card will grant you access to discounts on things like food, tech, clothing, travel, and more. You can use the SPC to redeem discounts both in-person and online Boomers are out of luck: Robert Kiyosaki warns that the 'biggest crash in history is coming' — UNiDAYS is a discount website for students that directs you to a variety of affiliated retailers offering discounts. Any student aged 16 or older can register for free. Membership gets you access discounts on a variety of brands, from clothing to tech to health and fitness. In 2024, UNiDAYS expanded its partner list to include name brand stores, including Simons and Lululemon. The StudentBeans student discount program connects you to a variety of student deals offered on things like health, beauty, and tech. The program is accompanied by an app to make utilizing discounts and finding the best deals for you as easy as possible. The best part is that this program offers Canadian students targetted deals, meaning you can expect to shop, get a deal and pay in Canadian funds. Probably the most well-known student program, the ISIC card provides global discounts on travel, shopping, and more — around the neighbourhood and across the globe. The global scope of ISIC is helpful if you live in one area of the country or world and go to school in another region of if choose to travel for the summer trip or spend a semester abroad. Almost all post-secondary campuses will have a student campus office where you can ask for guidance on how the school works, as well as discounts and freebies offered around campus. For instance, many student unions often negotiate exclusive deals and discounts on a variety of products and services that include big brand names as well as local companies. The student office is also a great place to learn about targetted campus-only sales and giveaways. You never know but you could walk away with some free swag. Retail discounts Many retailers and brand-names offer unique discounts just for students. For example: Apple Education Pricing: Students can often get discounts on Apple products through the Apple Education Store. In 2024, Apple's Back-to-School program offered $200 gift cards with the purchase of select Mac or iPad purchases. Go online to find the most current offers and promotions. Microsoft Education Store: Offers discounted software and sometimes hardware for students. 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Check out the with a $1,176 first-year value. . Food, restaurants, and groceries: Food and dining student discounts Not only are there plenty of discounted offerings to accompany you on a night out with friends at a restaurant, but there are plenty for essential grocery purchases too! These discounts are sure to help you cut costs and get the ingredients you need to stay healthy amidst the stress of school. Bulk Barn: Save 10% off your purchase on Wednesdays with valid student ID Metro: Get 10% to 15% off your groceries on student discount days at participating locations and on certain weekdays. Sobeys: Offers 10% off with student ID on select days in some provinces. Save On Foods: Offers 10% off with student ID on select days in some provinces. Subway: Save 10% off your meal with valid student ID St. Louis Bar & Grill: Get $5 or 20% off deals on various menu items with valid student ID Chipotle: Receive a free soft drink with your meal when you show your student ID Freshii: Save 15% off your meal with valid student ID Zehrs: 10% off purchases made on Tuesdays and Thursdays with valid student ID. Dairy Queen: Save 10% off your meal with valid student ID Public transportation and travel discounts Many students commute to school or rely on public transportation to get around. Check with your local public transit provider to see if there are student discounts. Here are some companies that offer student discounts to help you get around without breaking the bank. GO Transit: You can save at least 17% on fares with an approved sticker on your transit pass Via Rail: Students can travel across Canada with an Unlimited Semester Pass for $499. 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Apple Student Discount in Canada: Discounted products are available through Apple's Education Pricing shop Staples: Shop for supplies and tech during back-to-school season for discounts Lenovo: Discounts on laptops and printers Adobe: Students can get 60% off the first year of subscription to Adobe Creative Cloud Prezi: If you sign up with an official school email address you get discounted monthly fees for your Prezi EDU Plus subscription Best Buy: Save 10%-30% on student deals Telus: Get 3 GB extra data for $5 on any premium smartphone upgrade or activation on a two-year plan Rogers, Bell and Telus: Offer student bundles with extra data or lower rates during back-to-school sales. For example: Rogers' 2024 plan offered 25GB for $50 per month for eligible students Entertainment and cultural discounts There's no point spending all your time and money focused on your studies if you can't unwind or take in the sights and sounds. 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One common approach is to open a joint account for major shared expenses like rent, utilities and groceries, while keeping separate accounts for personal spending. Once you agree on how much each of you will contribute — ideally based on income rather than splitting everything 50/50 — you can still maintain individual control over your own separate accounts. This kind of setup gives each partner more confidence in their financial abilities while also minimizing potential resentment. That's a win-win. Read Next: Love Each Other Through Your Differences Opposites might attract in your favorite rom-com, but in real life, they can cause friction — and not the fun kind. Johnson acknowledges that differing money habits are tough to navigate. But she wants you both to sit down and ask yourself some hard questions. Do we see our money as shared? How do we feel about keeping separate accounts and spending without checking in? Should joint expenses be split equally or based on income? 'There are no right or wrong answers here, and your feelings may change over time. But it's important to come to some agreement together,' she said. 'Remember, these dynamics can change over time, so think about how you'd feel if the situation flipped, because life is long and it very likely could!' Timing is everything. Have these conversations when you're both in a calm and relaxed mood — not when you're mid-argument or stressed. You might even plan a special date night where you sit at home over a lovely meal and talk openly about your financial experiences. Share what makes you feel triggered or ashamed. Talk about areas where you feel secure and empowered. This kind of open honesty helps build empathy and prevents unintentional hurt. Come Together as a Financial Team You already act as a team in other parts of life, from house training your new puppy to navigating holiday dinners with extended family. Why not do the same with money? 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One common approach is to open a joint account for major shared expenses like rent, utilities and groceries, while keeping separate accounts for personal spending. Once you agree on how much each of you will contribute — ideally based on income rather than splitting everything 50/50 — you can still maintain individual control over your own separate accounts. This kind of setup gives each partner more confidence in their financial abilities while also minimizing potential resentment. That's a win-win. Read Next: Love Each Other Through Your Differences Opposites might attract in your favorite rom-com, but in real life, they can cause friction — and not the fun kind. Johnson acknowledges that differing money habits are tough to navigate. But she wants you both to sit down and ask yourself some hard questions. Do we see our money as shared? How do we feel about keeping separate accounts and spending without checking in? Should joint expenses be split equally or based on income? 'There are no right or wrong answers here, and your feelings may change over time. But it's important to come to some agreement together,' she said. 'Remember, these dynamics can change over time, so think about how you'd feel if the situation flipped, because life is long and it very likely could!' Timing is everything. Have these conversations when you're both in a calm and relaxed mood — not when you're mid-argument or stressed. You might even plan a special date night where you sit at home over a lovely meal and talk openly about your financial experiences. Share what makes you feel triggered or ashamed. Talk about areas where you feel secure and empowered. This kind of open honesty helps build empathy and prevents unintentional hurt. Come Together as a Financial Team You already act as a team in other parts of life, from house training your new puppy to navigating holiday dinners with extended family. Why not do the same with money? 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