Chase Sapphire Most popular Card overview
The Chase Sapphire Most popular® Card (see charges and charges) is likely one of the hottest journey rewards bank cards. It’s a superb alternative for many who need extra worth from their travels however don’t want lounge entry. That is one among our favourite playing cards to suggest to individuals who love journey. Card ranking*: ⭐⭐⭐⭐½
*Card ranking relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
At TPG, one of the widespread questions we get requested is, “Which journey bank card ought to I begin with?”
We virtually universally suggest the Chase Sapphire Most popular Card as a result of it earns invaluable factors, provides helpful advantages and has a low, affordable $95 annual price.
Designed for frequent and informal vacationers, it’s an particularly good selection for newbie and intermediate vacationers. Many people began our journey into factors and miles with this card.
TPG recommends a credit score rating of no less than 670 to qualify for this card; nevertheless, it’s not unprecedented for somebody to be permitted with a decrease rating.
Right here’s what it’s good to know in regards to the Sapphire Most popular if you happen to’re desirous about including it to your pockets.
Chase Sapphire Most popular execs and cons
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Chase Sapphire Most popular welcome supply
New Chase Sapphire Most popular Card holders can earn 75,000 bonus factors after spending $5,000 on purchases within the first three months from account opening.
That is greater than the usual bonus on this card.
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Should you switch your factors to one among Chase’s airline or resort companions, the worth of this bonus is as much as $1,538, in accordance with our December 2025 valuations.
Make certain that you might be below Chase’s 5/24 rule to be eligible for the welcome bonus. Which means you haven’t opened 5 or extra private bank cards throughout all banks within the final two years.
Chase allows you to maintain a number of Sapphire playing cards, however incomes a welcome bonus is strict and infrequently restricted to as soon as per card. You’ll see a pop-up in the course of the software telling you upfront whether or not you’re eligible for the bonus.
Associated: Who ought to (and shouldn’t) get the Chase Sapphire Most popular?
Chase Sapphire Most popular advantages
Along with the welcome bonus, there are numerous interesting perks to being a Sapphire Most popular Card holder.
You’ll obtain an announcement credit score of as much as $50 on resort stays booked by Chase Journey℠ upon opening the cardboard and on every account anniversary thereafter. (It’s routinely utilized to your account every year whenever you make an eligible cost. Be aware, nevertheless, that the $50 credit score doesn’t earn Chase Final Rewards factors.)
Cardholders additionally get pleasure from a ten% anniversary factors bonus every year. This bonus relies in your whole spending in the course of the account anniversary yr at a charge of 1 level for every $10 spent. So, if you happen to spend $30,000 in your card throughout your cardholder yr, you’ll obtain 3,000 bonus factors on the finish of the yr.
You’ll additionally get no less than one yr of complimentary DoorDash DashPass membership, which incorporates free supply and diminished service charges on eligible purchases (activate by Dec. 31, 2027). This can be a invaluable profit if you happen to already use DoorDash.
Sapphire Most popular Card holders with an activated DashPass membership can get $10 every month towards nonrestaurant purchases on DoorDash, which is an effective way to save lots of on a fast comfort retailer buy.
Lastly, the Sapphire Most popular is a perfect alternative for journey bookings, corresponding to flights, accommodations and cruises. That’s as a result of it comes with complete journey protections, together with:
It additionally consists of purchasing advantages like:
Associated: 7 Chase Sapphire Most popular advantages you won’t learn about
Incomes factors with the Chase Sapphire Most popular
The Chase Sapphire Most popular has a profitable incomes construction that’s simple to maximise. You will earn:
- 5 factors per greenback spent on journey booked by Chase Journey (excluding the $50 resort credit score)
- 5 factors per greenback spent on Lyft purchases (by Sept. 30, 2027)
- 5 factors per greenback spent on Peloton tools and accent purchases of $150 or extra (by Dec. 31, 2027, with a restrict of 25,000 bonus factors)
- 3 factors per greenback spent on eating, choose streaming providers and on-line grocery retailer purchases*
- 2 factors per greenback spent on all different journey not booked by Chase Journey
- 1 level per greenback spent on every part else
*The elevated incomes charge for on-line grocery retailer purchases excludes Goal, Walmart and wholesale golf equipment.
These are among the highest incomes charges obtainable, particularly because you’re incomes invaluable Chase Final Rewards factors. That mentioned, there are playing cards on the market that earn extra factors per greenback spent on eating and groceries.
Associated: Is the Chase Sapphire Most popular definitely worth the annual price? I say sure
Redeeming factors with the Chase Sapphire Most popular
Once you redeem the factors you’ve earned with the Chase Sapphire Most popular, you’ll see how the cardboard shines.
One of the best different to transferring to companions (defined within the subsequent part) is to make use of your factors to e book flights, lodging and automotive leases by Chase Journey — all at a charge of as much as 1.75 cents per level, relying on the precise redemption (see your rewards program settlement for full particulars).
Which means you don’t want to fret about blackout dates or discovering award house; you’ll all the time have the choice to e book journey utilizing your factors. So long as a seat on a flight or a resort room is obtainable, you possibly can pay for it together with your factors.
You can even redeem your factors for money again or present playing cards (at a charge of 1 cent per level) or for a barely greater worth whenever you reap the benefits of Chase’s Pay Your self Again choice.
Nonetheless, these redemption choices are much less invaluable than transferring your factors to Chase’s journey companions, so we suggest avoiding them each time attainable.
Associated: Chase Final Rewards candy spots: From worldwide enterprise class to home journey
Transferring factors with the Chase Sapphire Most popular
One of the best ways to get most worth out of your Chase factors is to switch them to one among Chase’s 10 airline or three resort companions. A few of our favorites embody World of Hyatt for luxurious resort stays and Air Canada Aeroplan, Air France-KLM Flying Blue and British Airways Membership for comfy flights.
Chase incessantly runs switch bonus promotions the place you possibly can stand up to 50% extra factors or miles whenever you convert your factors.
For instance, TPG contributing editor Matt Moffitt commonly transfers factors to Hyatt, reserving accommodations in Europe for as few as 3,500 factors per evening in the course of the summer season.
Utilizing switch companions for aspirational journey is a strong approach to maximize your Final Rewards factors and get worth out of your Sapphire Most popular spending.
Which playing cards compete with the Chase Sapphire Most popular?
The Sapphire Most popular is tough to beat, but it surely’s price evaluating it to different playing cards:
- Should you want Capital One: The Capital One Enterprise Rewards Credit score Card is your finest guess if you happen to’re involved in a Capital One-affiliated card. It provides a less complicated incomes construction for a similar $95 annual price. Nonetheless, Capital One miles are price barely lower than Chase factors, in accordance with TPG’s December 2025 valuations. Study extra in our full assessment of the Enterprise Rewards.
- Should you want American Categorical: The American Categorical® Inexperienced Card provides a excessive incomes charge on journey, eating and transit. An annual as much as $209 Clear Plus credit score every calendar yr greater than offsets its greater $150 annual price. Plus, Amex has extra switch companions than Chase and provides extra frequent switch bonuses. Study extra in our full assessment of the Amex Inexperienced.
- If you would like extra perks: The Chase Sapphire Reserve® (see charges and charges) provides greater incomes charges on choose journey purchases and elevated perks like airport lounge entry and an annual journey credit score for the next $795 annual price. Study extra in our full assessment of the Sapphire Reserve.
For extra choices, try our full checklist of the perfect starter bank cards.
The knowledge for the American Categorical Inexperienced Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Associated: Scorching take: Which Sapphire product is finest? 2 specialists vehemently disagree
Backside line
Should you’re able to degree up out of your cash-back or no-annual-fee bank card, a superb card to use for is the Chase Sapphire Most popular. It’s nonetheless thought to be among the best rewards bank cards since its debut over 15 years in the past. It earns essentially the most invaluable factors obtainable, and it’s versatile sufficient to satisfy the rewards targets of each frequent and newbie vacationers alike.
Apply right here: Chase Sapphire Most popular Card
