Chase Sapphire Preferred
Superpower: Turns points into outsized travel value
This is the backbone of my Chase setup. It unlocks the ability to transfer points to airline and hotel partners, where the value often beats cash back by a wide margin.
Between strong travel and dining earnings, built-in travel protections, and a points system that’s easy to use without chasing luxury perks, it hits a sweet spot for real-world travel.
Why I use it:
It’s the key that makes Chase points worth more than cash.
My Personal Chase Credit Cards
I use Chase cards to earn flexible points on everyday spending and redeem them for travel.
This page links to the current Chase card offers I reference across my site. Offers change, so I keep them updated here.
Chase Freedom Unlimited
Superpower: Effortless points on everything
This is my everyday catch-all card. It earns consistent points on purchases that don’t fall into bonus categories, so nothing goes unrewarded.
On its own, it’s simple cash-back value. Paired with the Sapphire Preferred, those points become transferable travel currency.
Why I use it:
It quietly builds points in the background without thinking.
Chase Freedom Flex
Superpower: Rotating categories with outsized upside
This card shines when the bonus categories line up with real spending. The rotating 5× categories can generate a surprising amount of points each year if you stay aware — without paying an annual fee.
When combined with a Sapphire card, those bonus points gain real travel flexibility.
Why I use it:
It’s a no-fee way to supercharge points during the right quarters.