Chase Sapphire Preferred Card:- King of the hill. If you are eligible over chase 5/24 (and other rules as discussed here), this should be the first card you apply for-across credit card categories and issuers. This card represents the best value in the market, first year and beyond. Let's review the eye-popping benefits of the card, in a concise manner as this card deserves it's own blog post.
Sign-up bonus of 50,000 points bonus after spending $4,000 in first 3 months. That's $625 toward travel when redeemed through Chase Ultimate Rewards® as you get 25% more value of points when redeemed for travel. Annual fee of $95 is waived off first year.
Gives you the ability to transfer UR points to it's transfer partners (discussed here). Only the premium chase cards has this ability. This ability is the single biggest reason to collect UR points. If done right, it can give you a value 2 to 4 cents per UR point (basically 200% to 400% of face value).
Primary Rental Car CDW Insurance when you decline the rental company's collision damage waiver . This is pretty huge as in case you are involved in a car accident, your own insurance won't know about it and thus it won't impact your insurance premiums in coming years.
Extensive and more liberal Travel protections like (please refer to the chase site for details)-
Trip Cancellation/Interruption Insurance- you can be reimbursed up to $10,000 per trip for pre-paid, non-refundable travel expenses.
Baggage Delay Insurance- Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.
Trip Delay Reimbursement- If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
Travel and Emergency Assistance Services.
Purchase Protection- Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Extended Warranty Protection- Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
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