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Which Cards Pair Well with Chase Sapphire Preferred?

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The sign-up offer for the Chase Sapphire Preferred card has been increased from 40,000 to 50,000 points after $4,000 spent within the first three months. You can earn an additional 5,000 points when you add an authorized user and make a purchase within the first 3 months as well.

TPG Reader Dana tweeted me to ask about earning points for gas and grocery expenses:

@thepointsguy — “Which flexible points card should I pair with the Chase Sapphire Preferred to maximize rewards in the gas & grocery categories?”

For me, the clear answer is the American Express Everyday Preferred card, because you earn 3 points per dollar on groceries and 2 points per dollar on gas, plus you can get a 50% bonus if you have 30 or more transactions per month. That works out to an effective earning rate of 4.5x on groceries and 3x on gas!

Make the most of your gas and grocery purchases with a card that offers bonus points for these categories. Image courtesy of Shutterstock.

I also like this option because it can help you build up your bank of Membership Rewards points, so you’ll have two transferable points programs to work with, each of which has valuable airline and hotel partners.

Another no-brainer for me would be to tag the Chase Freedom card onto your Chase Sapphire Preferred, because that has rotating 5x categories (currently it’s gas, but groceries are often included at some point during the year). It also has no annual fee, and you can transfer those points to your Sapphire Preferred card and on to other partners. Even if you’re not going to max out the $1,500 cap for each quarter, you can buy gift cards to use during the rest of the year.

There are a lot of other cards out there that give bonuses or cash back on groceries and on gas purchases, but if you’re looking for flexible, transferable points, I think these combinations are best. Let me know what you choose!

If you have any other questions, please tweet me @thepointsguy, message me on Facebook or send me an email at

Chase Sapphire Preferred® Card

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  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Intro APR Regular APR Annual Fee Foreign Transaction Fee Credit Rating
N/A See Issuer's Terms Introductory Annual Fee of $0 the first year, then $95 0% Excellent Credit