If you’re starting your points game today, stop overthinking it. The Chase Sapphire Preferred, even after its 2026 refresh, is still the first card you should get. Why?

Because it’s the only card that gives you a 60,000-point bonus, a $50 hotel credit, and lets you transfer points to airlines like United and Hyatt. That’s real travel value, not fake cash-back hype. Other cards look flashy, but this one’s been the foundation for 16 years.

Don’t start with a niche card. Start with the one that opens every door.