When you use this link to get a Chase Sapphire Preferred Card and spend $3,000 within 3 months, you'll get 40,000 points just for signing up, between 3,000 and 9,000 for spending the $3,000 (such as 2 points per $1 on travel and dining), and best of all, a 7% annual bonus on earned points. With no effort, the points are worth over $400 because you can redeem them for cash at $0.01 each but, if used well, the points the points are worth more than $2,000. Let's say you have 44,000 Ultimate Rewards points after your spending and your annual bonus. That can be redeemed either for $440 cash or $550 towards travel booked via Chase (you get a 25% bonus), or they can also be transferred directly 1:1 to partners like United or Hyatt. The best part: Hyatt's nicest rooms are only 22k points per night so you could get two nights in a $1k+ room at the Park Hyatt Sydney, Park Hyatt Paris or Park Hyatt Maldives for free! You will also earn triple points on travel when logged into Chase. Plus, there are no foreign transaction fees and no annual fee for the first year. Two more cents: if you need one card and can't get an Ink Bold business card, the Sapphire via this offer is hard-to-beat right now. Plus, the card is made of metal, not plastic!