The Chase Sapphire Preferred is a great pick for the beginner and the frequent traveler. The CSP has superb travel benefits, double points on certain purchases, and a 50,000 point sign up bonus. The $95 annual fee is waived the first year so this puts it as one of the less expensive cards, while still allowing you to earn one of the most valuable point currencies.
|Intro APR on Purchases||N/A|
|Regular APR||17.99% - 24.99% Variable|
|Annual Fee||$0 Intro for the First Year, then $95|
|Balance Transfer Fee||Either $5 or 5% of the amount of each transfer, whichever is greater.|
|Recommended Credit||Excellent Credit|
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Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.