Chase Sapphire Most popular bank card overview: Full particulars

The Chase Sapphire Most popular® Card is among the best-known journey rewards bank cards, incomes 5 factors per greenback spent on journey booked via Chase Journey℠ and Lyft purchases, 3 factors per greenback spent on eating, choose streaming providers, and on-line grocery retailer purchases (excluding Goal®, Walmart® and wholesale golf equipment), 2 factors per greenback spent on all different journey purchases and 1 level per greenback spent on all the things else. These invaluable factors will be transferred to airline and resort companions or redeemed instantly for journey at a price of 1.25 cents per level via Chase Journey. Card score*: ⭐⭐⭐⭐½

*Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

At TPG, probably the most frequent questions we get requested is, “which journey bank card ought to I begin with?”

We nearly universally advocate the Chase Sapphire Most popular Card as a result of it earns certainly one of our favourite rewards currencies and comes with invaluable perks for a low annual payment. In actual fact, many people began our journey into factors and miles with this card.

Due to this — and a lot extra — the Chase Sapphire Most popular stays a prime decide amongst TPG staffers yr after yr. Whether or not you are planning to e-book journey through Chase Journey or redeem your hard-earned factors for airfare or resort stays by transferring to airline and resort companions, the Sapphire Most popular supplies excellent worth.

Designed for frequent and informal vacationers and with a $95 annual payment, it is an particularly sensible choice for freshmen.

TPG recommends candidates have a credit score rating of at the least 670 to qualify for the Sapphire Most popular, but it surely’s not unprecedented for somebody to be authorised with a decrease rating.

Here is what it is advisable to know concerning the Sapphire Most popular when you’re occupied with including it to your pockets.

The Chase Sapphire Most popular includes a welcome provide of 60,000 Chase Final Rewards factors after spending $4,000 on purchases within the first three months from account opening.

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This haul of factors is price a minimal of $750 when redeemed for journey via the Chase portal, however you possibly can maximize worth by using Chase’s switch companions. In line with TPG’s December 2024 valuations, Chase Final Rewards factors are price 2.05 cents every, making this bonus price $1,230.

Associated: Tips on how to redeem Chase Final Rewards for max worth

Along with the welcome bonus, there are various interesting perks to being a Sapphire Most popular cardholder.

You may obtain a press release credit score of as much as $50 on resort stays bought via Chase Journey upon opening the cardboard and on every account anniversary. It is mechanically utilized to your account every year once you make an eligible cost. Be aware, nonetheless, that the $50 credit score doesn’t earn Chase Final Rewards factors.

I at all times use this resort credit score when I’m abroad in a small metropolis with no chain lodges the place I will not earn any elite nights or loyalty factors since reserving via an OTA like Chase Journey sometimes would not qualify you for elite standing advantages at lodges.

Cardholders additionally take pleasure in a 10% anniversary factors bonus every year. This 10% bonus is predicated in your whole spending through the account anniversary yr at a price of 1 level for every $10 spent. If, for instance, you spend $100,000 in your Sapphire Most popular throughout your cardmember yr, you may obtain 10,000 bonus factors on the finish of the yr.

Nonetheless, this 10% bonus is calculated from the {dollars} you spent somewhat than the factors you earned, that means you will not obtain further factors by leveraging the cardboard’s bonus classes.

The Chase Sapphire Most popular additionally contains at the least one yr of complimentary DoorDash DashPass membership, which incorporates perks like free supply and decreased service charges on eligible purchases (activate by Dec. 31, 2027). There’s a price related to utilizing meals supply providers reminiscent of DoorDash, however this generally is a invaluable profit when you already use the service.

Lastly, the Sapphire Most popular is a perfect selection for journey bookings reminiscent of automobile leases, cruises, aircraft tickets, and lodges as a result of it comes with complete journey and buy protections. Amongst them, cardholders can count on the next:

You may learn extra concerning the Chase Sapphire Most popular buying and journey advantages right here.

Associated: 7 Chase Sapphire Most popular advantages you may not find out about

The Chase Sapphire Most popular has a easy incomes construction that’s straightforward to maximise:

• Earn 5 factors per greenback spent on journey booked via Chase Journey
• Earn 5 factors per greenback spent on Lyft purchases (via March 2025)
• Earn 5 factors per greenback spent on Peloton tools and accent purchases of $150 or extra (via March 2025, with a restrict of 25,000 bonus factors)
• Earn 3 factors per greenback spent on eating, choose streaming providers, and on-line grocery retailer purchases (excludes Goal, Walmart, and wholesale golf equipment)
• Earn 2 factors per greenback spent on all journey not booked via Chase Journey
• Earn 1 level per greenback spent on all the things else

These are a number of the greatest earnings charges within the recreation, notably when you think about you are incomes invaluable Chase Final Rewards factors.

Associated: Why you may need to pay the $95 annual payment on the Chase Sapphire Most popular

Whenever you’re able to redeem the factors you’ve got earned with the Chase Sapphire Most popular, you may perceive why the cardboard shines.

You should utilize your factors to buy airfare, reserve resort rooms, and even hire a automobile via Chase Journey — all at a hard and fast price of 1.25 cents per level.

Meaning you need not fear about blackout dates or discovering award house; you may at all times have the choice to e-book journey utilizing your factors. So long as a seat on the market on the flight you need or a resort room is obtainable to order with money, you possibly can pay for it along with your factors.

Be aware that resort reservations booked via third-party websites sometimes don’t earn factors or rely towards elite standing qualification.

You even have the choice to redeem your factors for cash-back or present playing cards at a price of 1 cent per level or for a barely increased worth once you make the most of Chase’s Pay Your self Again possibility. Nonetheless, these redemption choices are much less invaluable than transferring your factors to Chase’s journey companions, so we advocate avoiding them every time doable.

Associated: 6 Chase Final Rewards candy spots

You may obtain greater than 1.25 cents per level in worth by transferring rewards to Chase’s 14 airline and resort companions. A number of the greatest Chase switch companions embody World of Hyatt, United, British Airways, and Singapore Airways for luxurious resort stays and comfortable aircraft seats.

Using these switch companions can internet you phenomenal worth. Chase ceaselessly runs switch bonus promotions the place you possibly can rise up to 30% extra factors or miles once you switch Final Rewards to a switch companion.

For instance, TPG bank cards author Chris Nelson frequently transfers factors to Hyatt and has gotten rooms throughout peak season in Europe for as little as 4,000 factors an evening. Hyatt has loads of nice candy spot redemptions, making it an particularly invaluable switch companion.

One TPG reader leveraged Final Rewards factors earned with the Sapphire Most popular for his first business-class flight:

“I used to be in a position to make my first redemption in enterprise class (Dublin to Boston on Aer Lingus for 50k).” — Alejandro P through X

Be aware: Reader-submitted responses haven’t been edited, reviewed or authorised by the issuers nor mirror TPG’s opinions of those playing cards.

Using switch companions for aspirational journey is a stable strategy to maximize your Final Rewards factors and get worth to your spending with the Sapphire Most popular.

Associated: The whole information to Chase Final Rewards switch companions

Many worthwhile mid-tier journey bank cards exist, however just a few can go toe-to-toe with the Sapphire Most popular. If you happen to’re attempting to determine which is greatest for you, contemplate which card’s incomes energy fits your spending habits and which switch companions you are extra more likely to maximize.

For added choices, take a look at our full listing of one of the best starter bank cards.

The data for the American Specific Inexperienced Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

*Be aware: Efficient Jan. 13, 2025, the $100 LoungeBuddy Credit score profit will now not be out there.

Learn extra: Chase Sapphire showdown: Sapphire Most popular vs. Sapphire Reserve

If you happen to’re prepared to maneuver past cash-back or fixed-value journey rewards bank cards, there is no such thing as a higher place to begin than with the Chase Sapphire Most popular.

After its debut over a decade in the past, it is nonetheless considered one of many greatest rewards bank cards. It earns a number of the most precious factors and is versatile sufficient to fulfill the reward wants of frequent and beginner vacationers alike. As lengthy you are utilizing the cardboard ceaselessly sufficient to get greater than $95 in worth from it, this card is certainly well worth the annual price.

Apply right here: Chase Sapphire Most popular