Chase Sapphire Preferred card becomes essential in unexpected financial journey

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Chase Sapphire Preferred card becomes essential in unexpected financial journey

Research

Nick Ewen Senior editorial director | The Points Guy

By Sky Industry News

Apr 11, 2025

In a recent reflection on a personal credit card journey, the user shared how their initially underutilized Chase Sapphire Preferred Card became a pivotal tool in their financial strategy. Originally, the card was acquired during a limited-time offer in 2024, primarily intended to reap its welcome bonus and enjoy a DoorDash DashPass membership, which requires activation by December 31, 2027.

Despite initial intentions to infrequently use the card, the user found themselves repeatedly choosing the Sapphire Preferred over others. This shift coincided with their changing travel preferences and loyalty to the World of Hyatt program, which, they noted, offers favorable award rates and well-maintained U.S. hotels.

The card’s compatibility with Chase’s 14 transfer partners, including exclusive partnership with Hyatt, prompted increased use. "I quickly realized that World of Hyatt is king when it comes to hotel programs," they said. Consequently, the Sapphire Preferred became crucial for accumulating Ultimate Rewards points to fund stays at Hyatt properties.

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Balancing low credit limits on other cards with the more substantial $9,000 limit on the Sapphire Preferred was another practical advantage, facilitating strategic financial management and maintaining low credit utilization.

Moreover, the Sapphire Preferred's ability to earn 2 points per dollar on diverse travel-related expenses has been beneficial for the user’s evolving travel habits, which now include camping and vacation rentals. This flexibility supports their aim to continuously earn rewards points, even for travels outside the typical hotel and flight bookings.

The user’s transformation in credit card usage underscores the flexibility and utility of the Chase Sapphire Preferred Card. Their experience suggests that even less frequently used cards can become central to a financial strategy with changing circumstances and preferences.

"I can confidently say that the Sapphire Preferred is one of my most used cards," the user concluded, emphasizing its role in securing valuable Hyatt awards, providing a significant credit limit, and earning points across various travel purchases.