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Chase
Chase Sapphire Preferred
Annual fee: $95Best for: Beginners building a flexible points stash
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Pros
Strong transfer partners; great travel insurance
Cons
No lounge access
Earning categories
5x travel via Chase Travel, 3x dining, 2x other travel
Travel credits
$50 annual hotel credit via Chase Travel
# Chase Sapphire Preferred Review\n\nStill the best starter travel card.
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