John Miller, Credit Cards Moderator
@john_miller
No, Chase Sapphire cards are probably not worth it if you don’t travel. Although you can still earn rewards for regular purchases, you won’t earn as much as you would on travel-related ones. Even when redeeming points, you get the most value when redeeming for travel. This means you’ll have to spend quite a bit to offset the $95 annual fee for the Chase Sapphire Preferred® Card, and even more to offset the $795 annual fee for the Chase Sapphire Reserve® card.
Aside from the rewards and costs, a Chase Sapphire card’s perks and benefits are also travel-oriented, for the most part. These include trip cancellation insurance, rental car insurance and even airport lounge access, which are wasted if you don’t travel at all.
For non-travelers, a credit card that offers rewards on everyday purchases is recommended, like the Wells Fargo Active Cash® Card. This card offers 2% cash rewards on purchases and has a $0 annual fee. You can also check our editor’s picks for the best everyday credit cards, to explore more options and pick one that will bring you the most value.
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People also ask
Should I get the Chase Sapphire Preferred card if I rarely travel?
No, you should probably not get the Chase Sapphire Preferred card if you rarely travel, since it’s mainly designed for frequent travelers. The card offers bonus rewards on travel and the points earned are worth more when redeemed toward travel. If you don't travel a lot, you might be better off with a cash back credit card.
If you’re not sure what card would fit your lifestyle and spending habits, WalletHub has a great interactive tool that finds the...
read full answer by WalletHub, Financial CompanyHow much do I have to spend on Chase Sapphire Reserve to break even?
You have to spend approximately $18,333 per year (an average of $1,527 per month) on travel and dining or $55,000 on non-travel/dining purchases to break even with the Chase Sapphire Reserve Card. This is without taking into account the card’s initial bonus or other big benefits. New cardholders would just need to spend $6,000 in the first 3 months on the card to recover the cost of the annual fee.
By meeting the spending requirement, you earn...
read full answer by Maria Adams, Credit Cards ModeratorDid we answer your question?
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