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“Sounds like a good card, but does it charge an annual fee?”
It’s a question I get a lot whenever I recommend a credit card to people. And sure, most rewards cards worth having do charge an annual fee. But I tend to view this as a minor investment that will deliver much bigger returns throughout the year.
Let’s take my Chase Sapphire Preferred® Card, for example. This card’s modest $95 annual fee is so easily justified I don’t think I’ll ever get rid of it.
Let’s instead focus on the value I got simply by using the card for my everyday spending throughout 2024.
By using this card to earn 3 points per dollar spent on all of the online groceries, dining and streaming services for both my household and my father’s, I earned roughly 3,600 Chase points per month, which I would then transfer directly to my World of Hyatt account (arguably the most lucrative of Chase’s transfer partners).
I did this because, last year, my wife and I had our first child. And in a dual effort to both preserve our sanity as new parents and maintain my elite status with Hyatt during a year when we’d be traveling less, we decided to alternate giving each other a night off from parental duties once per month. (Talk about value you can’t even begin to quantify.)
We have a very nice Category 1 Hyatt Regency in our city and, thanks to World of Hyatt’s award chart, we were able to see in advance each month which nights we could scoop up at the off-peak rate of only 3,500 points per night.
We booked more than a dozen free nights in that hotel throughout the year, and practically all of those redemptions were earned in real time each month just from using the Sapphire Preferred on our everyday spending. Had we paid cash for those stays, it would have cost us over $2,100!
That’s a lot of value from just using the right card on your usual spending. And, fortunately for anyone else who wants to capitalize on this card’s earning potential, you can still get this biggest-ever welcome offer for a limited time.
Remember: This offer’s 100,000 bonus points alone are worth $2,050, per TPG’s April 2025 valuations. And that doesn’t even include the other $2,000-plus in value I’ve demonstrated here just by using the card over the course of a year.
Want to see how easy it is for anyone to get outsize value from this card? Check out these articles.
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