Is the Chase Sapphire Preferred card still worth it in 2025?
The Chase Sapphire Preferred® Card is well worth it for people who want a low-maintenance card for earning and redeeming travel rewards. We think it's one of the best travel credit cards for most people because of its excellent balance between valuable benefits and a low annual fee.
Each situation is different, but there's a simple way to determine if you get enough value from a rewards card to make it worth paying its annual fee: Calculate the value of the card benefits and see if they offset the annual membership cost.
With the Chase Sapphire Preferred, you need to see if its benefits can offset the $95 annual fee each year. There are three important factors to consider when making these calculations:
You don't need to calculate the value of every card benefit, just the benefits you plan to use. Unused benefits do nothing for you, so don't worry about them.
Certain card benefits, such as travel and purchase coverage, aren't always easy to quantify, so use your best judgment.
You need to get enough value from benefits to more than offset the annual fee. If you only get enough value to offset the annual fee, is the card actually worth keeping?Plenty of Chase Sapphire Preferred benefits, exist, but we think these are some of the best for offsetting the annual fee.
The Chase Sapphire Preferred welcome bonus can change depending on whether there's a limited-time offer available. However, it often has a 60,000-point bonus, so we'll use that as our example.
Sixty thousand Chase Ultimate Rewards bonus points are worth at least $750 if redeemed for travel through Chase Travel℠. That's nearly eight years of covering the annual fee with just the welcome bonus offer.The Chase Sapphire Preferred has this rewards rate:
5x points on travel purchased through Chase Travel℠
3x points on dining, select streaming services, and online groceries
2x points on all other travel purchases
1x points on all other purchases
You can adjust this for your own spending, but let's say this is your spending in applicable categories for the year:
$5,000 on general travel purchases = 10,000 points
$10,000 on dining, select streaming services, and online groceries = 30,000 points
Forty thousand points are worth $500 toward travel in the Chase Travel portal. That's enough value to cover the card's annual fee for over five years. You could also offset the annual fee each year by earning 7,600 points, which are worth $95 toward travel with Chase Travel.Foreign transaction fees can be a nightmare if you frequently travel abroad because they add on a charge of about 3% for any purchases made from foreign merchants. If you spend $1,000 on purchases while in another country, that would be $30 in extra fees. If you have a credit card with no foreign transaction fees, that's $30 saved.
Cardholders can purchase hotel stays through Chase Travel and earn up to $50 in statement credits each account anniversary year. This benefit is easy to use if it fits your annual travel schedule. If it does, that's an immediate $50 toward offsetting the annual fee.
Your points are automatically worth 25% more if you redeem them toward travel using Chase Travel. This is a great benefit, especially if you have multiple Chase credit cards that earn Ultimate Rewards points. You can move points from other eligible cards to your Sapphire Preferred and they're immediately worth 25% more.
Transfer partners: You can transfer points to over 12 travel partners, including Air Canada, JetBlue, Southwest Airlines, United, Marriott Bonvoy, and World of Hyatt. Transferring points to an airline or hotel partner is often one of the best ways to get the most value from your points.
Visa card network: The Sapphire Preferred uses the Visa card network, which is accepted in over 200 countries and territories worldwide.
Travel insurance: The Sapphire Preferred is known for its travel protections and coverage, including primary rental car insurance, baggage delay insurance, and trip cancellation or interruption insurance.
Purchase protection: Eligible new purchases are protected against damage and theft and can have qualifying manufacturer's warranties extended by one year.
Travelers: This is a travel credit card, so it will benefit travelers the most. That doesn't mean you have to be a frequent traveler, as occasional travelers can also benefit from the Sapphire Preferred and its perks, including travel and purchase coverage.
Diners and people who shop for groceries online: The bonus categories are especially rewarding for people who frequently eat out and make online grocery purchases. Enough spending in these categories can supply a steady stream of valuable points.
Chase customers: Having other Chase cards that earn Ultimate Rewards lets you combine points between cards and get more value from them.
While we think the Chase Sapphire Preferred is an excellent option for many situations, we know it's not always an ideal fit. A cash-back credit card likely makes more sense if you're not interested in travel redemptions.
You can choose from various no-annual-fee credit cards that offer excellent benefits without the annual cost, such as the Chase Freedom Unlimited®.
The Chase Sapphire Reserve® and Capital One Venture X Rewards Credit Card provide benefits you won't find on the Sapphire Preferred, including airport lounge access and better travel credits.
The Sapphire Preferred has a great rewards rate, but it can't match the everyday earning potential of cards like the Blue Cash Preferred® Card from American Express.
The Chase Sapphire Preferred typically requires a good or excellent credit score to qualify. If you don't have good credit, consider using a secured credit card to build or rebuild your credit.
The Chase Sapphire Preferred makes sense for anyone who wants to earn and redeem travel rewards with a low-annual-fee card. It's an excellent beginner travel card, but its low maintenance and extensive travel insurance benefits can also fit frequent travelers' lifestyles.
There is no official Chase Sapphire Preferred credit limit, but reports suggest $5,000 is the minimum limit if you're approved.
The Chase Sapphire Preferred has a $95 annual fee.
Chase Sapphire Preferred benefits include:
A generous welcome offer
An elevated rewards rate
No foreign transaction fees
Transfer partners
A 25% bonus to travel redemptions made through Chase Travel
Up to $50 in annual statement credits for hotel stays booked through Chase Travel
Travel and purchase coverage
Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. All opinions belong solely to the Yahoo Finance and are not those of any other entity. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank's website for the most current information. This site doesn't include all currently available offers. Credit score alone does not guarantee or imply approval for any financial product.
Hashtags
Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles
Business Wire
30 minutes ago
- Business Wire
Susan G. Komen ® Invests Nearly $11 Million to Accelerate Breakthroughs in Breast Cancer Research
DALLAS--(BUSINESS WIRE)-- Susan G. Komen ®, the world's leading breast cancer organization, announced today that it is awarding $10.8 million in new research grants that will help propel innovative science and deliver hope to those facing the disease. These research grants support 25 cutting-edge projects at 17 prestigious institutions — marking a powerful commitment to improving outcomes for people living with breast cancer today and in the future. 'We are proud to support these exceptional researchers who are pushing the boundaries of what's possible in breast cancer science,' said Paula Schneider, President and CEO of Susan G. Komen. 'Research saves lives, and now more than ever, we must invest in science that brings hope to patients — especially those facing the most aggressive forms of breast cancer.' Through this research investment, Komen is prioritizing the most pressing challenges facing patients, including metastatic breast cancer, health inequities and the need for more precise, personalized treatment strategies to improve care and outcomes for everyone impacted by breast cancer. Key Highlights of Komen's 2025 Research Investment: 54% of funding targets metastatic breast cancer — the most advanced stage of the disease, responsible for the nearly 43,000 deaths each year in the U.S. 50% focused on precision medicine to tailor treatments to each patient's unique biology. 21% invested in addressing disparities to eliminate inequities in breast cancer care and outcomes. 25 researchers funded, including 10 early-career investigators, representing the next generation of scientific leaders. 'Komen's commitment to breast cancer research comes at a pivotal time and will drive meaningful advances in our understanding of the disease and care of patients,' said Ann Partridge, M.D., M.P.H., Chief Scientific Advisor for Komen. 'By fueling science that is both innovative and inclusive, we're accelerating progress where patients need it most — while building a foundation for individualized care for all.' Komen is the largest nonprofit funder of breast cancer research outside the U.S. government, investing nearly $1.1 billion since its inception. Unlike many research institutions, Komen's work is powered entirely by the generosity of individual donors, corporate partners and community supporters. 'Investing in top scientific talent is one of the most powerful ways we can drive progress,' said Jennifer A. Pietenpol, Ph.D., Chief Scientific Advisor for Komen. 'Komen's commitment, especially to early-career researchers, cultivates a vibrant ecosystem where bold ideas and pioneering research can thrive, accelerating our path toward the cures we urgently seek.' REACHing Deeper into Research Advocacy Komen's commitment to research goes beyond funding — it includes empowering people to bring their lived experiences into the heart of science. Through its recently launched REACH (Research Education and Advocate Community Hub) initiative, Komen invites patients, survivors and co-survivors to become research advocates and help shape research. ShareforCures®, Komen's breast cancer registry, provides breast cancer patients and survivors with a new, secure and easy way to share health data to help accelerate breast cancer research. As Komen deepens its investment in research, the need for collaboration — between scientists, clinicians, advocates and patients — has never been greater. Through strategic funding, innovative patient-centric scientific programs, robust advocacy programs, education and patient support services, Susan G. Komen is leading the way so patients can benefit from scientific breakthroughs and receive the care they need to live longer, healthier lives. Recipients of Komen Grants Recipients of Career Catalyst Research Grants Chun-Kan Chen, PhD, MS, Washington University in St. Louis Miriam Jacobs, MD, Georgetown University Martina Molgora, PhD, MSc., H. Lee Moffitt Cancer Center & Research Institute, Inc. Daniel O'Neil, MD, MPH, Yale University Claire Sathe, MD, JD, Columbia University Irving Medical Center Na Zhao, PhD, Baylor College of Medicine Recipients of Career Transition Awards Charles Dai, MD, Massachusetts General Hospital Avantika Gupta, PhD, MSc, Memorial Sloan-Kettering Cancer Center Alissa Michel, MD, Columbia University Irving Medical Center Veena Padmanaban, PhD, MS, The Rockefeller University Recipients of Leadership Grants Alan Ashworth, PhD, University of California, San Francisco Tuya Pal, MD, Vanderbilt University Medical Center Rulla Tamimi, ScD, MS, Weill Medical College of Cornell University Kornelia Polyak, MD, PhD, Dana-Farber Cancer Institute Christina Curtis, PhD, MSc, Stanford University School of Medicine Jeffrey Rosen, PhD, Baylor College of Medicine Tracy Battaglia, MD, Yale University Allison Kurian, MD, MSc, Stanford University School of Medicine Nancy Lin, MD, Dana-Farber Cancer Institute Ben Ho Park, MD, PhD, Vanderbilt University Medical Center Jennifer Pietenpol, PhD, Vanderbilt University Medical Center Recipients of Opportunity Grants Filipa Lynce, MD, Dana Farber Cancer Institute Michele Cote, PhD, MPH, Indiana University Antonio Wolff, MD, Johns Hopkins University School of Medicine Recipient of Scientific Strategy and Programs Grant Adrian Lee, PhD, University of Pittsburgh To learn more about Komen's research initiatives, visit To explore how you can get involved with REACH (Research Education and Advocate Community Hub), visit About Susan G. Komen ® Susan G. Komen ® is the world's leading nonprofit breast cancer organization, working to save lives and end breast cancer forever. Komen has an unmatched, comprehensive 360-degree approach to fighting this disease across all fronts and supporting millions of people in the U.S. and in countries worldwide. We advocate for patients, drive research breakthroughs, improve access to high-quality care, offer direct patient support and empower people with trustworthy information. Founded by Nancy G. Brinker, who promised her sister, Susan G. Komen, that she would end the disease that claimed Suzy's life, Komen remains committed to supporting those affected by breast cancer today, while tirelessly searching for tomorrow's cures. Visit or call 1-877 GO KOMEN. Connect with us on social at
Business Upturn
2 hours ago
- Business Upturn
One, Two, Three-Peat: Mary Kay Inc. Named #1 Direct Selling Brand of Skin Care and Color Cosmetics in the World for Three Years in a Row
By Business Wire India Published on June 23, 2025, 17:30 IST Dallas, United States: Good things come in threes: iconic beauty brand and global entrepreneurship company Mary Kay Inc. has again been named the #1 Direct Selling Brand of Skin Care and Color Cosmetics in the World1 by Euromonitor International for the third consecutive year. This press release features multimedia. View the full release here: Ryan Rogers, Chief Executive Officer of Mary Kay states: 'Being named the #1 Direct Selling Brand of Skin Care and Color Cosmetics in the World by Euromonitor International three years in a row marks a grand slam achievement for Mary Kay. This repeated milestone reflects years of R&D and marketing efforts to create skin and beauty solutions that meet consumer needs and are loved the world-over. Above all, it demonstrates the transformative power of our Independent Beauty Consultants who are driving this success globally.' (Photo Courtesy: Mary Kay Inc.) Euromonitor International is the foremost provider of global business intelligence, market analysis, and consumer insights with over 50 years of conducting market research across more than 100 countries. 'Being named the #1 Direct Selling Brand of Skin Care and Color Cosmetics in the World by Euromonitor International three years in a row marks a grand slam achievement for Mary Kay,' said Ryan Rogers, Chief Executive Officer of Mary Kay . 'This repeated milestone reflects years of R&D and marketing efforts to create skin and beauty solutions that meet consumer needs and are loved the world-over. Above all, it demonstrates the transformative power of our Independent Beauty Consultants who are driving this success globally.' In addition to the global recognition, Mary Kay has been named: #1 Brand of Facial Make-Up in Latin America,* #1 Brand of Lip Products in Latin America,* #1 Brand of Color Cosmetics in Mexico,* #1 Brand of Skincare and Color Cosmetics in Mexico.* Sarah Boumphrey, Global Research Director at Euromonitor International, stated, 'Our awards reflect the highest standard of excellence in the industries we track, and beauty and direct selling are no exception. Honorees are recognized through a rigorous, data-driven evaluation process that draws on independent research, global market analysis, and deep category expertise. Euromonitor is proud to collaborate with leading companies, like Mary Kay, and this accomplishment signifies their commitment to performance and quality in a highly competitive landscape.' With presence in over 40 markets and millions of Independent Beauty Consultants around the world, Mary Kay continues to set the standard for beauty that empowers and delivers. Several fan-favorite products contribute to Mary Kay's #1 status, including the iconic TimeWise® skincare line, the dermatologist validated Clinical Solutions® skincare line, the Mary Kay® Oil-Free Eye Makeup Remover beloved by influencers and celebrities, the Mary Kay® Ultimate Mascara™, the Mary Kay Unlimited® Lip Gloss, and the Mary Kay® Waterproof Eyeliner, to name a few. In 2024 alone, Mary Kay garnered 65 beauty awards around the world. In addition to the Euromonitor International #1 recognition, Mary Kay recently ranked #11 in the Women's Wear Daily Beauty Inc.'s 2024 Top 100 Beauty Companies . Mary Kay products are sold by best-in-class Independent Beauty Consultants who provide personalized service to customers in person and online at , and on social and digital media channels. The Euromonitor award reinforces Mary Kay as one of the world's best loved brands with a business model and corporate mission focused on empowering women, transforming lives, and helping to protect our natural resources. Did You Know: One Mary Kay ® Oil-Free Eye Makeup Remover is sold every 5 minutes around the globe. 2 Oil-Free Eye Makeup Remover is sold every 5 minutes around the globe. Nearly 1,500 patents globally are held by Mary Kay for products, technologies, and packaging designs in its global portfolio. 3 Mary Kay's state-of-the-art Richard R. Rogers (R3) global Manufacturing/R&D Center located in Lewisville, Texas, has a production capacity of up to 1.1 million products per day. 62% of Mary Kay's global R&D teams are women. 4 81% of Mary Kay's Global Marketing team & Creative Studio are women. 5 30% of sales force members who started their Mary Kay business in the past year are under the age of 35.6 About Mary Kay One of the original glass ceiling breakers, Mary Kay Ash founded her dream beauty brand in Texas in 1963 with one goal: to enrich women's lives. That dream has blossomed into a global company with millions of independent sales force members in more than 40 markets. For over 60 years, the Mary Kay opportunity has empowered women to define their own futures through education, mentorship, advocacy, and innovation. Mary Kay is dedicated to investing in the science behind beauty and manufacturing cutting-edge skincare, color cosmetics, nutritional supplements, and fragrances. Mary Kay believes in preserving our planet for future generations, protecting women impacted by cancer and domestic abuse, and encouraging youth to follow their dreams. Learn more at . Find us on Facebook , Instagram , and LinkedIn , or follow us on X . _____________________________ 1 'Source Euromonitor International Limited; Beauty and Personal Care 2025 Edition, value sales at RSP, 2024 data' * 'Source Euromonitor International Limited; Beauty and Personal Care 2025 Edition, value sales at RSP, 2024 data' 2 Source: Mary Kay Inc., data as of December 2024, for the past 12 months, based on units sold. 3 Source: Mary Kay Inc., as of 2025. 4 Source: Women Representation and Leadership at Mary Kay (May 2025). 5 Source: Women Representation and Leadership at Mary Kay (May 2025). 6 Source: Mary Kay Inc., 2024 U.S. data. View source version on Disclaimer: The above press release comes to you under an arrangement with Business Wire. Business Upturn takes no editorial responsibility for the same. Ahmedabad Plane Crash Business Wire India, established in 2002, India's premier media distribution company ensures guaranteed media coverage through its network of 30+ cities and top news agencies.
Business Wire
2 hours ago
- Business Wire
The Hackett Group ®: Research Shows Gen AI Helps Top HR Teams Drive Engagement, Efficiency and Strategic Impact
MIAMI--(BUSINESS WIRE)-- The Hackett Group, Inc. (NASDAQ: HCKT), a leading generative artificial intelligence (Gen AI) consultancy and executive advisory firm, today released its 2025 Digital World Class ® Human Resources (HR) research. It reveals how top-performing HR organizations are redefining excellence. Digital World Class® HR organizations – those achieving top-quartile performance in both business value and operational excellence – are achieving 29% lower cost while supporting three times more employees. The report shows that Digital World Class ® HR organizations – those achieving top-quartile performance in both business value and operational excellence – are achieving 29% lower cost while supporting three times more employees. This reflects a strategic approach to scaling impact, not doing more with less. These HR leaders are embracing Gen AI and advanced automation to expand the capacity of HR teams, unlock time for higher-value work, and reshape the function into a more agile, insight-driven partner to the business. This trend is about building a better workforce experience to more effectively enable business objectives. 'Digital World Class ® HR organizations aren't just managing talent – they're unlocking the full potential of their people with digital capabilities,' said Jessica Haley, principal and Global Human Resources Executive Advisory practice leader at The Hackett Group ®. 'These organizations are showing what's possible when you combine human insight with digital enablement and AI. They are not reducing the function; they are elevating the impact of HR. Amplifying the power of HR to drive stronger business outcomes at scale, fostering resilience, and leading the way in shaping the workplace and the workforce – that is Digital World Class ® HR and that is the future.' Key findings: What sets Digital World Class ® HR apart The Hackett Group's research, which draws from global benchmark studies across hundreds of companies, highlights distinguishing characteristics of top-performing HR organizations: 1. They are more integrated with business strategy and engaged with business stakeholders. 2X more time working directly with line leaders on business-aligned talent plans 2.4X more likely to be seen as a valued partner by business stakeholders 57% more roles filled internally, signaling stronger alignment between talent development and business needs 2. They prioritize enterprise-level initiatives like strategic workforce planning. 32% more staff focused on strategic workforce planning 40% more organizational development efforts built into success metrics Stronger emphasis on change enablement, with more HR staff dedicated to facilitating business transformation 3. They invest more in AI, automation and digital enablement of HR service delivery. 2.3X more likely to offer self-service automation for HR data, compliance and reporting 2X more likely to align human capital management application strategies to enterprise goals 71% of primary software functionality is actively used, maximizing technology return on investment and scalability Digital World Class ® HR organizations are also significantly more agile in navigating disruption, enabling faster adaptation to shifting workforce dynamics, economic headwinds and regulatory demands. Closing the performance gap: A blueprint for transformation The research outlines a clear road map on leveraging Gen AI to reshape the HR service delivery model and close the Digital World Class ® performance gap: Address long-term workforce talent needs proactively by leveraging emerging tools to optimize workforce planning, skill development and internal mobility. Employ intelligent automation for routine HR work and transactional processes to open capacity for HR to focus on more strategic work. Identify and address your HR team's skills gaps; embrace new ways of working, such as co-intelligence; and elevate HR's strategic impact by strengthening data savviness and storytelling. Drive operational efficiency by collaborating with AI-focused partners who emphasize ethical AI practices, transparency and trust. Evolve the HR operating model into an integrated, aligned, digitally enabled model that empowers HR teams to drive strategic value for the business. A public version of the research paper, ' Driving HR Performance With Gen AI ' is available for free with registration. About The Hackett Group ® The Hackett Group, Inc. (NASDAQ: HCKT) is an IP and platform-based, Gen AI strategic consulting and executive advisory firm that enables Digital World Class ® performance. Using AI XPLR™ and ZBrain™ – our ideation through implementation platforms – our experienced professionals help organizations realize the power of Gen AI and achieve quantifiable, breakthrough results, allowing us to be key architects of their Gen AI journey. Our expertise is grounded in unparalleled best practices insights from benchmarking the world's leading businesses – including 97% of the Dow Jones Industrials, 90% of the Fortune 100, 70% of the DAX 40 and 51% of the FTSE 100. Visit us at Trademarks The Hackett Group ®, quadrant logo, and Digital World Class ® are the registered marks of The Hackett Group ®. Cautionary Statement Regarding 'Forward-Looking' Statements This release contains 'forward-looking' statements within the meaning of Section 27A of the Securities Act of 1933 as amended and Section 21E of the Securities Exchange Act of 1934, as amended. Statements including without limitation, words such as 'expects,' 'anticipates,' 'intends,' 'plans,' 'believes,' 'seeks,' 'estimates,' or other similar phrases or variations of such words or similar expressions indicating, present or future anticipated or expected occurrences or outcomes are intended to identify such forward-looking statements. Forward-looking statements are not statements of historical fact and involve known and unknown risks, uncertainties and other factors that may cause the Company's actual results, performance or achievements to be materially different from the results, performance or achievements expressed or implied by the forward-looking statements. Factors that may impact such forward-looking statements include without limitation, the ability of The Hackett Group ® to effectively market its digital transformation, our ability to transition our capabilities to support generative artificial intelligence (AI)-related consulting services and solutions and other consulting services, our ability to effectively integrate acquisitions, including the Spend Matters acquisition into our operations, our ability to manage joint ventures and successfully cooperate with our joint venture partners, competition from other consulting and technology companies that may have or develop in the future, similar offerings, the commercial viability of The Hackett Group ® and its services as well as other risk detailed in The Hackett Group's reports filed with the United States Securities and Exchange Commission. The Hackett Group ® does not undertake any duty to update this release or any forward-looking statements contained herein.
