Latest news with #ChaseUltimateRewards®
CNBC
21-05-2025
- Business
- CNBC
40% of Gen Z expect to spend more in 2025 than last year — make sure to use the right credit card
Gen Z is opening up their wallets a bit more this year than last. According to a recent Northwestern Mutual study, almost half (40%) of this young cohort expect to spend more in 2025 than in 2024, well outpacing other generations. More spending generally encourages more opportunities to earn rewards, but only if you use the right financial tools. Below, CNBC Select looks at some popular Gen Z spending categories — and the credit cards that provide the most bang for their buck in each category. Other generations are cutting back on travel spending, but not Gen Z. According to Berkshire Hathaway's 2025 State of Travel Insurance Report, millennials decreased their annual travel spend from 2023 to 2024 by just over 15% while Gen Z's annual travel spend went in the opposite direction, up by about 20% to $11,209. If travel is at the top of your bucket list for summer and beyond, using the right credit card not only provides you with extra protection but also rewards you for your spending. The Chase Sapphire Preferred® Card (see rates and fees) is one of the top travel cards on the market, and it comes with primary rental car insurance, trip cancellation and interruption insurance and baggage and trip delay insurance. You'll also earn valuable Chase Ultimate Rewards® points with your spending, which can be redeemed in a handful of ways, from simple statement credits to taking advantage of Chase's transfer partners. On Chase's site On Chase's site Points are worth 25% more when you redeem them for travel booked through Chase TravelSM. Good to Excellent670–850 19.99% - 28.24% variable $95 Earn 60,000 bonus points See rates and fees. Terms apply. Member FDIC. Read our Chase Sapphire Preferred® Card review. The Chase Sapphire Preferred® Card packs a punch for a $95 annual fee card, offering annual travel credits, comprehensive travel protections and $5 or 5% of the amount of each transfer, whichever is greater Here's a hypothetical example of how you could benefit from the Chase Sapphire Preferred. Say you spend the Gen Z average of $11,200 (we rounded down) on travel using this card. Half of that travel was bought through the Chase TravelSM portal, which earns an elevated 5X points per $1, making the $5,600 spent worth 28,000 points. The other $5,600 you spent on travel outside the portal, earning you 2X per $1, or 11,000 points. This brings you to a grand total of 39,000 Chase Ultimate Rewards points or almost $400 in value (at 1 cent per point). If you cash in these points through the Chase Portal or via transfer partners, you could be getting even more. The flexible rewards you can earn via travel spending, plus the several protections the card offers, make it one of the top options for those looking to splurge on travel. A Bank of America Institute study found that Gen Z discretionary spending in categories like entertainment and travel went up 25.5% from 2023 to 2024, and it's trending up YoY from this year to last. If entertainment is a big spending category for you, know that certain credit cards get you access to presale and VIP tickets for concerts, sports games and exclusive events. American Express cardholders, for example, benefit from special Amex Experiences, including theater shows and concerts, with some more exclusive events tied to higher-tier cards. The Platinum Card® from American Express will get you access to Amex's Premium Events Collection™ (previously By Invitation Only®) where you'll get access to exclusive events unavailable to other cardholders; some past examples include VIP Access to the Monaco Grand Prix and advanced screenings of the award-winning show . The card also comes with several statement credits, including a $200 hotel credit* and a $200 airline fee credit (enrollment required), both of which help offset the travel costs for your next entertainment getaway. * On the American Express site On the American Express site The Amex Platinum Card provides access to Amex Centurion Lounges, Delta Sky Clubs, Lufthansa Lounges, Escape Lounges and more. (Enrollment required) Good to Excellent670–850 See Pay Over Time APR $695 Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new card in your first six months of Card Membership See rates and fees, terms apply. Read our Amex Platinum Card review. The Platinum Card® from American Express is a premium card loaded with annual statement credits, entertainment benefits, extensive airport lounge access, elite status perks and more. (Enrollment required for select benefits mentioned)N/A None Offers in this section are from affiliate partners and selected based on a combination of engagement, product relevance, compensation, and consistent availability.3.60% APY as of 5/8/2025Min balance to open = $0 On the American Express site Terms apply.1.00% APY as of 06/24/2024Min balance to open = $0 American Express National Bank is a Member FDIC. Terms apply. While the Amex Platinum Card does come with a bit of a higher annual fee, between the access to exclusive events and sheer amount of statement credits, this card can generate over $1,500 in value for the right event-goer. Gen Z is spending more at restaurants, increasing their dining out spend by 14.3% compared to last year, while the general population's spending rose by just 2.6%, according to the Bank of America Institute study. Using a credit card that earns dining rewards can help cover the cost of future meals. Whether dining out or ordering in, the U.S. Bank Altitude® Go Visa Signature® Card is a good fit for no annual fee. More accessible than some premium cards, you'll earn 4X points on dining, takeout and restaurant delivery on your first $2,000 each quarter. This credit card from U.S. Bank also earns 2X points on streaming services and comes with a $15 credit for Netflix and Hulu — making ordering in just as rewarding. Personal and small business credit cards issued by U.S. Bank are currently not available on CNBC Select. Click "Learn More" to review other credit card offers. Personal and small business credit cards issued by U.S. Bank are currently not available on CNBC Select. Click "Learn More" to review other credit card offers. Personal and small business credit cards issued by U.S. Bank are currently not available on CNBC Select but you can check out our marketplace to compare offers from other issuers including American Express and Chase.N/A See terms See terms See terms *See rates and fees, terms apply. Information about personal and small business credit cards issued by U.S. Bank has been collected independently by CNBC Select and has not been reviewed or provided by the issuer prior to publication. Gen Z or not, maybe you simply want a credit card that rewards kind of spending. For that, a flat-rate cashback credit card is the perfect addition to your wallet. The Citi Double Cash® Card earns you 2% cash back on all your purchases (1% when you buy and 1% when you pay your bill). The card has no annual fee and there's no cap on the amount of rewards you can earn. You can redeem your cash back via statement credit, direct deposit or through one of the other options, including at On Citi's site On Citi's site Receive a 0% intro APR for 18 months on balance transfers. Fair to Excellent580–850 18.24% - 28.24% variable $0 Earn $200 cash back See rates and fees, terms apply. Read our Citi Double Cash® Card review. The Citi Double Cash® Card is one of the best no-annual-fee cash-back cards thanks to its straightforward rewards is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening. 3% Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox. Sign up here. At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.
Forbes
02-05-2025
- Business
- Forbes
You Won't Believe These 3 Weekend Getaways You Can Fund With Chase's 100k Welcome Bonus
Imagine unlocking a world of travel with a single decision. Right now, the Chase Sapphire Preferred® Card is giving you the chance to turn everyday spending into your next vacation with a staggering new bonus worth at least $1,250 in travel. You might already have more than a few redemptions in mind for a hefty sum like that, but if not, we have a few exceptional suggestions on how to maximize your next weekend getaway. Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account ... More opening. Chase Sapphire Preferred® Card - See Rates & Fees Hundreds of credit cards offer bonuses to new cardholders, but the Sapphire Preferred is essentially handing you a free ticket to adventure. If you apply soon, you can earn 100,000 bonus points after spending $5,000 on purchases in the first three months from account opening. With its 100,000 point offer on the market for a limited time, this single credit card sign-up could translate into memorable experiences without breaking the bank. There are two primary ways to use your Sapphire Preferred welcome bonus to pay for travel. The more intuitive of the two is using Chase Ultimate Rewards® to make reservations through Chase Travel℠ with a 25% bonus (in other words, each point is worth 1.25 cents when making these redemptions). The booking interface works similarly to most other travel booking websites, except that you'll have the option to pay with points at checkout (in addition to the typical option to charge your card). For these reasons, Chase Travel offers simplicity and nearly limitless travel options. The other option is the ability to transfer Ultimate Rewards to travel partners. Partners include: Airline Partners Hotel Partners The act of moving your points from Chase to your preferred program is quick, but it can take a little more finesse to find available awards and determine if you're getting a good deal. That extra effort can pay off, though: Some hot deals could significantly boost your redemption value. If a weekend chasing thrills at the theme park sounds like a good time, you can make it possible using your Sapphire Preferred bonus, and likely have enough points to bring the kids along too. Competition across airlines keeps most flights to Orlando reasonably priced, including when paying in miles. Southwest Airlines, an Ultimate Rewards transfer partner, has more service to Orlando than any other airline and can be a great option for families booking rewards since every seat available for sale is also available for point redemptions. Use its low-fare calendar to seek out cheaper travel dates and score round-trip flights in economy for about 20,000 points per person. Even after redeeming 80,000 points for a family of four's airfare, the Sapphire Preferred welcome offer would still leave you with 20,000 remaining points. Amazingly, that's enough leftover to pay for a hotel stay. Transfer your remaining points to World of Hyatt, another 1:1 transfer partner, and look for two nights at a Category 2 hotel. The Hyatt Place across from Universal Orlando Resort is a solid choice with an obviously convenient location, plus rooms fit for families with two queen beds plus a pull-out couch. If you book off-peak nights, the award rate drops to 6,500 points per night, meaning you'd have the budget to extend your stay a third night. Tulum is Mexico's current hot spot, and a weekend of fun in the sun can be yours when redeeming your Sapphire Preferred offer for a getaway. It's easier to reach than ever, with new nonstop flights from the U.S. right into Felipe Carrillo Puerto International Airport (TQO) or comfortable rides on the recently finished Tren Maya route from Cancun's airport station to Tulum. With so many accessible options, you can shop around for the best prices on airfare to stretch your points further. Transferring points to United, Southwest or JetBlue are all familiar ways to lock in an award flight without a steep learning curve. Then, transfer Ultimate Rewards to IHG One Rewards to book a stay at the Kimpton Aluna Resort Tulum. You'll frequently find award nights priced under 30,000 points per night—and sometimes cheaper. For both your flight and hotel stay, do some quick math before transferring points. Occasionally, it may require fewer points to book your trip components via Chase Travel with a 25% points bonus. This extra versatility is one of the reasons we love the Sapphire Preferred. You're not beholden to a specific type of redemption and instead can pick the option that suits you best. Pro Tip: At 1.25 cents per point, you'd need 24,000 Ultimate Rewards points to pay for a $300 flight booked through Chase Travel. Similarly, you'd need 16,000 points to pay for a $200 hotel. With two different strategies to book, your 100,000-point Sapphire Preferred bonus should easily cover a round-trip flight and a two-night stay. With flexible dates, you can likely squeeze in a second passenger, too. A weekend jaunt to London might seem cheeky, but if you live in a hub city on the East Coast, the flight's not so bad. And, believe it or not, 100,000 Chase Ultimate Rewards is enough to cover your flight and three nights at a desirable hotel, helping you plan a European getaway from a single credit card offer. Start by transferring Ultimate Rewards to Virgin Atlantic and looking for dates with affordable economy reward flights. Unless you're traveling over the summer or a major holiday, there's a good chance you'll find rewards under 10,000 points each way. To fund your hotel stay, move Ultimate Rewards into your World of Hyatt account. The Category 5 Hyatt Regency London Albert Embankment costs 20,000 points per night and is within walking distance to major sites like Westminster Abbey or the Tate Britain. Since the cost of a flight and three nights in a hotel is under 100,000 points, you'll have some rewards left to spare. You can cash some out as a statement credit to offset the taxes and fees on your award flight or pay for meals and attractions in London. Alternatively, treat yourself: Upgrade one or both directions of your trip to premium economy, choose a more luxurious hotel or bring a friend. Chase Ultimate Rewards is an incredible currency when it comes to travel. While 100,000 points can be an excellent starting budget for major trips, it could also fund a weekend trip in full. Either way, turn those points into unforgettable memories and start planning your next adventure. Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results. Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author's alone and have not been provided, approved, or otherwise endorsed by our partners.
Forbes
30-04-2025
- Business
- Forbes
Maximize Your Wallet: Best Cards To Use With Chase Sapphire Preferred
Batman and Robin, peanut butter and jelly—some things are just better in pairs, including the best credit card combinations. The Chase Sapphire Preferred® Card is one that, while powerful on its own, can give you next-level value when coupled with the right partner. There's a long list of attributes that make the Sapphire Preferred such a stellar product and one of the best rewards cards on the market, so let's get into it: For all the Sapphire Preferred's strengths, there's still room for improvement. For example: This is where pairing the Sapphire Preferred with another credit card can take your points earning to the next level. The Chase Freedom Unlimited® is a no annual fee card with simple yet versatile rewards earning: 5% cash back on travel purchased through Chase Travel℠, 3% cash back on eligible dining and drugstores and 1.5% on all other purchases. It's a solid card on its own, but when paired with the Sapphire Preferred, it becomes a powerful tool for maximizing every dollar you spend. What makes this pairing so effective is how well the two cards complement each other. The Sapphire Preferred shines in categories like travel and dining, while the Freedom Unlimited picks up everything else with a minimum above-average return of 1.5X. Instead of settling for the Sapphire Preferred's underwhelming 1X on nonbonus purchases, you can route that spending through the Freedom Unlimited and boost your base earnings by 50%. Since both cards earn Chase Ultimate Rewards® points, combining them means you not only earn more, you also unlock better redemption value through the Sapphire Preferred's 25% travel portal boost or its valuable airline and hotel transfer partners. The no annual fee Chase Freedom Flex® brings rotating 5% bonus categories to the table, making it a trusty sidekick for your Sapphire Preferred. While it earns just 1% back on most purchases, the real value lies in its quarterly bonus categories, where you can earn 5% back on things like gas, grocery stores and online shopping. You'll earn 5% cash back on up to $1,500 in combined purchases in categories that rotate quarterly (requires activation), 5% cash back on travel purchased through Chase Travel℠, 3% cash back on dining and drugstores and 1% cash back on all other purchases. The Sapphire Preferred doesn't offer rotating categories, so the Flex fills a valuable gap, especially if your spending habits shift throughout the year. And like the Freedom Unlimited, it earns Chase Ultimate Rewards® points that become far more valuable once moved to the Sapphire Preferred. That means you can earn 5X points on select categories and redeem those points at a boosted 1.25 cents through Chase Travel—or transfer them to travel partners for even bigger wins. On the surface, the Sapphire Preferred and Capital One Venture X Rewards Credit Card (rates & fees) may look like competitors, but together they cover nearly every rewards gap. While the Sapphire Preferred focuses on bonus categories and point transfers, the Venture X offers flat-rate simplicity with 2X miles on every purchase—plus premium travel perks like lounge access and annual credits. Where the Sapphire Preferred lacks luxury travel features, the Venture X delivers: Partner Lounge Network access, Capital One Lounge access and a $300 annual travel credit for bookings through Capital One Travel. That travel credit, plus a 10,000-mile anniversary bonus, help make up for the $395 annual fee (rates & fees). Access to Capital One's transfer partners means you have even more options when it's time to book your dream trip. If you don't mind managing two issuers, this duo gives you premium travel perks, solid base earnings on every purchase and access to two of the most valuable rewards ecosystems. The Chase Sapphire Preferred® Card is an impressive standalone travel card, but it becomes far more powerful when paired with the right partner—or two. Whether you want to earn more on everyday spending, take advantage of rotating bonus categories or enjoy premium travel perks, combining it with cards like the Freedom Unlimited, Freedom Flex or Venture X can help you earn more, redeem better and get the most from every dollar. Find the best Chase credit card for your needs. As long as you pay your cards on time, avoid carrying a balance and practice good credit habits, having multiple credit cards will not negatively impact your credit score. It can even help your score over time. You don't have to stop at two cards to maximize your rewards and benefits. Take the Chase Trifecta, for example, where you can combine some of Chase's best cards, like the Chase Sapphire Reserve® or Preferred, with the Chase Freedom Flex and Chase Freedom Unlimited. Having a premium Ultimate Rewards card paired with no-annual-fee cash-back cards can unlock better earnings and more valuable redemption options. Chase doesn't publish the exact score needed to be eligible for the Sapphire Preferred, but as a premium credit card, you'll need at least a good credit score (at least 670 on the FICO scoring scale).
Forbes
28-04-2025
- Business
- Forbes
Why I Applied For The Chase Sapphire Preferred Even Though I Already Had The Chase Sapphire Reserve
Like many people who fuel their travel dreams with points and miles, I'm always on the hunt for big rewards opportunities. So the latest 100,000-point welcome offer for the Chase Sapphire Preferred® Card immediately activated the pleasure-seeking part of my brain. I can't even tell you the daydreams I started having about where my family could go with 100K Chase Ultimate Rewards® points. (It probably rhymes with Shmeroo, has ancient ruins and llamas and has been on my bucket list for quite some time). Of course, big bonuses usually come with big spending requirements—and the Chase Sapphire Preferred® Card is no exception, with a welcome offer of 100,000 bonus points after spending $5,000 on purchases in the first three months from account opening. But fortune favors the bold, and as it turns out, my family had a sizable summer bill coming up and we had the cash ready to pay it off immediately. I also confirmed on my tracking sheet (what did you expect? I'm a credit card reporter!) that I was under 5/24—meaning I've been approved for less than five cards in the past 24 months—and thus eligible to apply for a new Chase card. So the timing was right. However, there was one big barrier between me and llama nirvana. I already owned a Chase Sapphire Reserve®, which made me ineligible for the bonus—at least without a little maneuvering. Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account ... More opening. Chase Sapphire Preferred® Card - See Rates & Fees Chase Sapphire cards only allow you to earn a welcome bonus on a card if you don't currently own a Sapphire card and if you haven't earned the welcome bonus on a Sapphire card within the previous 48 months. I applied for and received my Chase Sapphire Reserve card way back in February 2017. The card launched in 2016 with a then-groundbreaking 100,000-point welcome offer. I was fairly new to points and miles at the time, and this was my first premium credit card. I had a lot of fun using that bonus (rewards history fans may fondly recall the Marriott/United packages that were a steal back then), and it got me hooked on the thrill of taking trips I would have otherwise not been able to do. Points and miles have made impossible travel dreams for me and my family possible by greatly reducing our out-of-pocket costs. I know, I'm getting misty-eyed too, and you haven't even seen how cute my kids are on our adventures. The crucial point here is that I got my Chase Sapphire Reserve in 2017, so I was well past the 48-month threshold to be eligible for a bonus on a Sapphire card. That put the Sapphire Preferred's bonus one step closer within reach. To completely qualify for the Sapphire Preferred, I also had to not be a Sapphire cardholder at the time of my application. Yes, that means it was time to say farewell to my trusty Reserve. I can't lie, I had some feelings about it. It was a gateway card to a whole new world of opportunity for me. But in this case, change was necessary. I called Chase and asked to downgrade my Reserve to the no-annual-fee Chase Freedom Unlimited®. Boom! I was no longer a Sapphire cardholder (for the moment). Downgrading kept my account number the same, but the card's rewards rates and other details were now those of the Freedom Unlimited. There was no hard credit pull and the new card is on its way in the mail, but in the meantime, I could just keep using the metal card that was formerly known as my Reserve card. I waited a few days to make sure everything was switched over, and then I applied online for my new Chase Sapphire Preferred. And I'm pleased to report that I was approved! I've uploaded it to my Apple Wallet, and now I'm just waiting for the physical card in the mail. It's important to know that while you can downgrade a card at any time by swapping it for an eligible one by the same issuer at a lower fee, you cannot upgrade to a card with a higher annual fee for a minimum of a year after getting the original card. Federal legislation known as the CARD Act of 2007 includes a provision that prohibits issuers from raising your annual fee on a card within the first year after opening your account. This means if you really want the Sapphire Reserve but are thinking about going for the Sapphire Preferred for the bonus and then later upgrading, you'll have to wait a full year to do so. If you already own a Sapphire card, but you've had it for over 48 months, you might be able to put yourself in an eligible position to apply for the current 100,000-point welcome offer on the Chase Sapphire Preferred. There are a few boxes to check off, but if you're under 5/24, this is a bonus worth going for. Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results. Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author's alone and have not been provided, approved, or otherwise endorsed by our partners.
Forbes
25-04-2025
- Business
- Forbes
Chase Sapphire Preferred Benefits: A Goldmine Of Travel Perks
Serious about travel? Then you need a card that's just as ambitious as you are. The Chase Sapphire Preferred® Card doesn't cut corners. You'll get generous travel perks, ultra-flexible points and a welcome bonus so big your head will spin. Factor in a wallet-friendly annual fee, and it's no wonder it consistently earns top marks. Let's unlock the treasure trove of travel benefits this card brings to the table. 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.
