The One Card for the Everyday Person

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I am constantly asked the question “Which credit card should I get?” And of course the answer is always “It Depends!”. It depends on your everyday purchases, the amount you spend per month on your credit card, how you like to earn and redeem your points, etc. Typically there is much more of a conversation that needs to happen to recommend the right credit card. However, many people really just don’t know. They are your everyday person, with typically spending habits and have heard that credit cards can help you earn free travel. They want a card that will help them earn points for a free trip at some point in the near future.

In those situations, my recommendation to this person is the Chase Sapphire Preferred. Here are my reasons why:

  1. Chase Ultimate Rewards points are extremely flexible. When using your Chase Sapphire Preferred credit card you are earning Ultimate Reward points. This currency is extremely valuable as you can either redeem your points through the Chase travel portal or transfer your points to partner airlines. When redeeming through the travel portal you get a 20% discount. For example, a $500 flight booked through the portal will only cost you 40,000 points. If you prefer to transfer your points to partner loyalty programs, you have 11 options which include: United, British Airways, Southwest, Virgin Atlantic, Singapore Airlines, Hyatt, InterContinental Hotels Group, Marriott
  2. A decent sign up bonus. Although the sign up offer changes from time to time, it will steadily earn you a MINIMUM of $625 points towards travel, although it could be more depending on the offer — — this is through the “pay through points” option. With that being said, I prefer to transfer my points to partner loyalty programs where I always receive a much better value. With my valuation, the sign up offer will get you around $1,200 towards travel.
  3. Double points on travel and dining out. These are two popular categories that can add up for your everyday person.
  4. Best travel protection. When you book a flight with select Chase credit card (which includes the Chase Sapphire Preferred), you get some great travel protection in case of a flight cancelation, delay, lost baggage, etc. For example, a trip cancelation (sickness, severe weather, etc.) you are able to be reimbursed up to $10,000 per trip for pre-paid, non-refundable travel expenses. For lost luggage, you are covered up to $3,000 per passenger (which includes you or immediate family members). Or if your luggage is just delayed for 6+ hours, you can be reimbursed for toiletries and clothing at $100 a day for up to 5 days. And my ultimate favorite (and the most common protection) is if your flight is delayed more than 12 hours or required an overnight stay, you are covered for unreimbursed expenses (i.e., meals and hotels) for up to $500 per ticket.

If you are new to the Chase Sapphire Preferred credit card or the Chase Ultimate Rewards program, these posts can get you up to speed fast:

Disclosure: This post contains affiliate links. As always, thank you for supporting the blog and enjoy traveling on a deal!

The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


  1. I don’t travel much (at least not yet) and I rarely dine out. Most of my modest monthly spending is at grocery stores, gas stations, drug stores and some department stores. One no annual fee credit card that has been a surprise for me, as I thought it might have been a mistake, has been the Chase Amazon Rewards Visa. It earns 2% in rewards on gas stations, drug stores, restaurants and office supply stores all year round in addition to the 3% at and 1% everywhere else.

    The earned rewards ($1 per 100 points) can be redeemed in numerous ways: at, for cash (statement credit), gift cards, or booking travel through the Chase rewards site. Plus it is a Signature Visa card that provides you some nice travel related benefits as well.

  2. As usual.. A recommendation for the “everyday person” by a writer who is paid to recommend mistruths.. This is basically an advertisement, like, Smoke Malboro – it makes you feel good!!!

    The best card for the “everyday person” is actually the Barclay arrival plus card. 2x on EVERYTHING not just on dining or travel. no restrictions. Plus the everyday person is not a miles addict and does not travel on planes twice a week, and definitely never does a mileage run based on mistake fares! Plus the everyday person shops at malls, buys groceries, pays for car maintenance, has child expenses, and goes to a festival or two, or stays home with Netflix… How about getting 2x points on all of THAT? :). Chase Sapphire Preferred?? NO way.

    besides, the arrival+ plus offers everything the CSP offers (more cost effectively – less spend) and yet it offers more, without having to think of where to shop to maximize your points!

    Now there are arguably better cards than the Arrival+, but for the EVERYDAY PERSON who could care less about spending money unnecessarily specifically just to earn points, the Arrival+ actually fits them like a glove, since it earns them (more) points (than the Chase Sapphire Preferred) on money spent on everything!

    Chase Sapphire Preferred?
    That’s like saying smoking is good for your health…! 🙂

    PS. What happened to adherring to the bloggers ethic of putting your advertiser’s disclosure on top, before the article?? Not being ethical today, huh…?

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