I'll preface this buy saying this is my first "real" credit card with more than a $800 limit. I've only had a card used to protect my BoA checking acct from overdraft and it was through a college-student promotion and my only use for it otherwise was to pay one singular bill again and again lol. So I'm a super noob at this stuff - please go easy on me
I got this card for an oversees trip I took earlier this year and I desperately needed a card that wasn't going to charge bookoodles of transaction fees. Thus, my relationship with Sapphire Preferred began. Generally, I love it. No fees for a month long trip was so very helpful, people gawk over how cool it looks and feels all the time, and the bonus points for spending a certain amount in the first three months was awesome. I can't decide if I want to keep it or downgrade when the time comes next Spring, to avoid the $95 yearly fee, but I've still got quite a few months to make up my mind on that.
Anyhoo, I was just perusing their website and looking over my points total, daydreaming about what frivolous activity I'll surely blow them on in the future. Then, as I was scrolling over a part of the screen that breaks down your points usage this box came up:
Now, to my knowledge the preferred card earns 2 points for every dollar spent on travel and dining and 1 point for every dollar on everything else. Maybe I'm just not understanding this correctly but that image above looks like I'm only earning 1 point for every dollar spent on anything at all. I mean, even the regular Sapphire earns 2 points on dining so I don't really know what to make of it. https://creditcards.chase.com/sapphire/credit-card-benefits/chase-sapphire-preferred-benefits
I'm sure I'm just missing something that people who know about these things already "get" but I'm having trouble getting there on my own. Any thoughts from you credit vets?
Thanks you all so very kindly