If you’re looking to level up your points game or add a powerful card to your wallet, my favorite bank has rolled out some elevated offers that may or may not be worth your attention. Here’s our analysis on the offers.
💎 1. My Favorite Card
Sign-Up Bonus: 75,000 points
Minimum Spend: $5,000 in the first 3 months
Annual Fee: $95
If you missed the 100k deal from a while back, this 75k offer is a solid second chance—and honestly, it’s still a no-brainer. The Sapphire Preferred is one of the best starter cards out there and holds its own as a long-term keeper. It’s excellent for everyday spending and a go-to for anyone getting serious about travel rewards.
Pro tip: 75k points can go a long way, especially when transferred to travel partners like Hyatt. That’s several nights in top-tier properties—for free.
🚀 2. My Premium Personal Card
Sign-Up Bonus: 100,000 points + $500 My favourite Travel promo credit
Minimum Spend: $5,000 in the first 3 months
Annual Fee: $795 (Authorized user fee: $195)
This premium card comes with a high price tag but potentially huge value—if you use the perks. You’ll earn:
- 8x points on my favourite Travel purchases
- 4x points on flights and hotels (booked direct)
- $300 annual travel credit
- Complimentary access to Sapphire Lounges (plus 2 free guests)
- $500 credit for stays with The Edit
- Automatic IHG One Rewards Elite status
…and more.
Estimated annual value? Around $2,700—but only if you’re maximizing the benefits. Before applying, take a close look at those credits to ensure they match your lifestyle. If you plan to purchase tickets worth $800, this may be worth considering for the first year as it would help offset the high annual fee.Â
Eligibility Note:
The bank has updated the rules around who can get the welcome bonus. It’s no longer just about the 5/24 rule or the 48-month restriction. Now, if you currently have any personal Sapphire card, have had one in the past, or already received a bonus for this product, you may not qualify. You’ll get a pop-up at the application if you’re ineligible kind of like what Amex does.
💼 3 Brand New Business Card
Sign-Up Bonus: 200,000 points
Minimum Spend: $30,000 over 6 months
Annual Fee: $795
If your business can support that $30k requirement over six months, this offer is definitely worth considering. You’ll get:
- High 200k points bonus
- Packed with premium credits and perks
- Business-relevant travel and purchase protections
- Complimentary access to Chase Sapphire Lounges
- Premium travel insurance coverage
- $300 annual travel credit
- Potential statement credits for eligible business expenses
Note: Like its personal counterpart, it’s not for everyone. But for the right entrepreneur, this could be a powerhouse tool—just be sure those benefits align with your actual business travel needs before applying
Final Thoughts
All three of these offers are valuable ways to earn a large chunk of Ultimate Rewards points, which—if you’ve been following me—you know I love using for free Hyatt stays.
At the end of the day, the bank continues to deliver solid value—whether you’re just getting started with the Sapphire Preferred, looking to go premium with the Reserve, or ready to scale your points game with the new business version. The key is knowing which offer fits your lifestyle and spend. Don’t let good points sit on the table—use these elevated bonuses to get closer to those free luxury stays, business-class flights, or dream family vacations. As always, read the fine print, know your eligibility, and plan your applications wisely. Got questions or need help picking the right card? You already know—Mileswithmytribe has got you covered. Schedule a one-on-one strategy session HERE
