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Pros Unlike cards tied to a specific airline or hotel brand, you can use the Chase Sapphire Preferred® Card’s rewards in many places.

You get $300 a year in credit for travel expenses, and every four years you can get reimbursed for the application fee for TSA Pre Check ($85) or Global Entry ($100).

Add in the big sign-up bonus, and this card can easily pay for itself and then some, even with an annual fee of $450.

Points are worth 25% more when you use them to book travel through Chase Ultimate Rewards®, or you can transfer them at a 1:1 rate to several other loyalty programs.

Plus, the card comes with a sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Cons As with most credit cards with generous rewards, the Ink Business Preferred℠ Credit Card has an annual fee: $95.

There’s a limit to how much spending earns 3 points per dollar; it’s a fairly high limit, but it’s still a limit.

You’re not restricted to one airline or hotel, as is the case with co-branded cards, and unlike with many cards, there’s no minimum amount required to redeem — so you can even use rewards to pay for a cab ride.

Just book your own travel, then pay for it with rewards.

Modern-day adventurers and once-a-year vacationers alike love the idea of earning rewards toward their next big trip.

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