When you’ve spent any time round TPG, you realize that the Chase Sapphire Most popular® Card (see charges and charges) is one in all our most beloved playing cards.
We regularly advocate it as an important journey rewards card for newbies and journey rewards veterans alike for its stable incomes potential, glorious level redemption choices and comparatively low annual price.
However if you happen to’ve already listened to us and gotten the Chase Sapphire Most popular, your subsequent card resolution might sound extra daunting and complex. In actuality, there are a whole lot of actually good card choices to take you to the following section of your factors and miles journey. It is laborious to make a nasty selection so long as you retain just a few issues in thoughts.
Let’s break down the three main faculties of thought on which card it’s best to get to pair together with your trusty Sapphire Most popular that will help you determine which method is finest for you.
Three approaches
Your choices fall into three classes:
There is no such thing as a single proper reply that applies to everybody, so you will need to take into account your individual state of affairs to find out which makes probably the most sense. Take into consideration what bonus classes you usually spend in, what loyalty packages you like and whether or not you need to deal with Chase earlier than going over 5/24.
Associated: The facility of the Chase Trifecta
Possibility 1: A card to earn extra Final Rewards factors
This can be a nice selection if you happen to like Chase’s switch companions and need to earn as many Chase Final Rewards factors as attainable in your dream journey.
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With one of many Chase Freedom playing cards, you’ll be able to maximize your spending classes to earn much more of those factors out of your on a regular basis spending.
On their very own, the Chase Freedom Limitless® (see charges and charges) and Chase Freedom Flex® are marketed as cash-back playing cards.
When you even have the Chase Sapphire Most popular, although, you can mix your rewards and switch them to the total vary of Chase’s switch companions.
If you end up able to juggle just a few playing cards however need to hold incomes Chase Final Rewards factors, you need to use all three playing cards (Sapphire Most popular, Freedom Limitless and Freedom Flex) to maximise your Final Rewards-earning potential on your entire purchases. TPG bank cards editor Olivia Mittak makes use of this technique to maximise the quantity of Final Rewards she earns.
Simply remember to time your functions rigorously to maximise your approval possibilities.
The knowledge for the Chase Freedom Flex 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.
Chase Freedom Limitless
Annual price: $0
Welcome bonus: Earn $200 money again after spending $500 within the first three months of account opening.
Rewards fee: With the Freedom Limitless, you will earn:
- 5% money again on journey booked by way of Chase Journey℠
- 3% again on eating
- 3% again on drugstores
- 1.5% again on all different purchases
Why this card pairs nicely: This card is great to pair together with your Chase Sapphire Most popular as a result of it earns 1.5% (or factors per greenback spent) on all purchases, which is 50% greater than the Sapphire Most popular (1 level per greenback spent on purchases outdoors of its bonus classes).
Even with our personal extra superior card portfolios, it is a card TPGers attain for occasionally. It permits us to earn a good return on purchases that do not fall beneath most bonus classes, akin to auto repairs and specialty gadgets. With its present welcome bonus, it should make sense for many Chase Sapphire Most popular cardholders.
To study extra, try our full assessment of the Freedom Limitless.
Apply right here: Chase Freedom Limitless
Chase Freedom Flex
Annual price: $0
Welcome bonus: This card is at the moment closed to digital candidates, however potential cardholders might be able to apply and obtain a welcome supply in-branch.
Rewards fee: The Freedom Flex earns:
- 5% money again on as much as $1,500 in mixed purchases in bonus classes every quarter you activate
- 5% again on journey booked by way of Chase Journey
- 3% again on drugstore purchases
- 3% again on eating
- 1% again on all different purchases
Why this card pairs nicely: With this card, you will get 5% money again (or 5 factors per greenback spent) on qualifying purchases in service provider classes and at particular retailers that change every quarter (on as much as $1,500 of spending every quarter).
For instance, throughout the third quarter of 2025 (July 1 by way of Sept. 30), the bonus classes are electrical automobile charging stations, gasoline stations, Instacart and choose stay leisure. Activation required.
This card offers you an effective way to earn extra Chase Final Rewards factors on completely different spending classes.
To study extra, try our full assessment of the Chase Freedom Flex.
Possibility 2: A card to earn extra factors with a Chase switch associate
When you constantly switch your Chase Final Rewards to a particular switch associate, like United MileagePlus or World of Hyatt, it’s best to take into account a cobranded card to maximise your points-earning potential. A cobranded card can even present advantages related to that particular associate, like free checked luggage or complimentary resort elite standing.
United Quest Card
Annual price: $350
Welcome bonus: Earn 100,000 bonus miles and three,000 Premier qualifying factors after spending $4,000 on purchases within the first three months of account opening.
In accordance with TPG’s July 2025 valuations, this welcome supply is price $1,300.
Rewards fee: With the United Quest℠ Card (see charges and charges), you will earn:
- 8 miles per greenback spent on United flights
- 5 miles per greenback spent whenever you prepay for a reserving by way of Famend Resorts and Resorts for United Cardmembers
- 3 miles per greenback spent on different eligible United Airways purchases
- 2 miles per greenback spent on all different journey, eating and choose streaming companies
- 1 mile per greenback spent on all different purchases
Why this card pairs nicely: Since United is one in all Chase’s most respected journey companions, this card will drastically enhance the worth you obtain whenever you switch your Final Rewards factors to United. For instance, when you’ve a United Quest card, your miles will go a lot additional because of the extra award availability provided to all United cardholders.
Plus, the present 100,000-mile bonus on the United Quest is the most effective supply we have seen within the card’s historical past. This card final provided 100,000 miles throughout its 2021 launch, and the spending requirement was a lot increased then.
You may additionally obtain a free first and second checked bag for your self and a companion, and precedence boarding. Different advantages embody two 10,000-mile award flight reductions (one after each card anniversary and one other you’ll be able to earn after spending $20,000 on purchases every calendar 12 months), 25% again on United inflight purchases and an as much as $120 International Entry, TSA PreCheck or Nexus utility price credit score.
An automated annual $200 in United TravelBank Money can even assist take the sting out of this card’s $350 annual price.
The United Quest card gives elitelike advantages you’ll be able to get pleasure from whereas taking the journeys you’ve got redeemed together with your Final Rewards. When you fly United repeatedly, it is a nice card so as to add to your pockets.
To study extra, try our full assessment of the United Quest card.
Apply right here: United Quest Card
World of Hyatt Credit score Card
Annual price: $95
Welcome bonus: Earn two free nights after spending $4,000 on purchases within the first three months of account opening. Plus, earn 25,000 bonus factors after spending $12,000 on purchases within the first six months of account opening.
In accordance with TPG’s July 2025 valuations, the factors on this welcome supply are price $425.
Rewards fee: The World of Hyatt Credit score Card (see charges and charges) earns:
- 4 factors per greenback spent at Hyatt properties
- 2 factors per greenback spent at eating places
- 2 factors per greenback spent on airline tickets bought straight from the airline, native transit and commuting and health membership and health club memberships
- 1 level per greenback on all different purchases
Why this card pairs nicely: The World of Hyatt program is definitely probably the most helpful resort switch associate provided by Final Rewards, so you will need to get pleasure from as many perks as attainable when redeeming your rewards for stays at Hyatt.
You may obtain Hyatt Discoverist standing for so long as your account is open and 5 qualifying evening credit towards your subsequent standing tier yearly. Plus, you’ll be able to earn two extra qualifying evening credit each time you spend $5,000 in your card, making it a lot simpler to succeed in the following tier of elite standing even if you happen to’re not on the highway always.
One other standard profit on this card is the annual free evening you obtain after your cardmember anniversary (legitimate at any Class 1-4 Hyatt resort or resort), in addition to an extra free evening at any Class 1-4 Hyatt resort or resort if you happen to spend $15,000 in a calendar 12 months.
All that mentioned, this card’s present welcome supply just isn’t the most effective. We advocate ready for a greater supply earlier than making use of.
To study extra, try our full assessment of the World of Hyatt card.
Apply right here: World of Hyatt Credit score Card
Possibility 3: A card that diversifies your rewards
Suppose you are feeling able to enterprise into one other issuer’s loyalty program. In that case, you will need to open a card that may construct you one other set of transferable rewards. Listed here are some nice selections:
American Specific Gold Card
Annual price: $325 (see charges and charges)
Welcome bonus: New cardmembers can discover out their supply and see if they’re eligible for as excessive as 100,000 bonus factors after spending $6,000 on purchases throughout the first six months of card membership. Welcome gives fluctuate, and also you will not be eligible for a proposal.
In accordance with TPG’s July 2025 valuations, this welcome supply is price as a lot as $2,000.
Rewards fee: With the American Specific® Gold Card, you’ll be able to earn:
- 4 factors per greenback spent on eating at eating places worldwide (as much as $50,000 per calendar 12 months; then 1 level per greenback)
- 4 factors per greenback spent at U.S. supermarkets (as much as $25,000 per calendar 12 months; then 1 level per greenback)
- 3 factors per greenback spent on flights booked straight with the airline or on amextravel.com
- 2 factors per greenback spent on pay as you go inns and different eligible purchases on amextravel.com
- 1 level per greenback spent on all different purchases.
Why this card pairs nicely: The Sapphire Most popular does not supply bonus rewards for grocery purchases (apart from on-line groceries), so this is a wonderful card to make use of at U.S. supermarkets.
The Amex Gold additionally gives quite a lot of assertion credit geared towards foodies each calendar 12 months to assist offset its $325 annual price. Enrollment is required for choose advantages; phrases apply.
Most significantly, you will diversify your rewards portfolio by having access to American Specific Membership Rewards. Amex’s loyalty program contains switch companions that Chase does not have, akin to Hilton Honors, Delta SkyMiles, ANA Mileage Membership and Qantas Frequent Flyer.
To study extra, try our full assessment of the Amex Gold.
Apply right here: American Specific Gold Card
Capital One Enterprise Rewards Credit score Card
Annual price: $95
Welcome bonus: Earn 75,000 bonus miles after spending $4,000 on purchases throughout the first three months of account opening.
In accordance with TPG’s July 2025 valuations, this welcome supply is price $1,388.
Rewards fee: With the Capital One Enterprise Rewards Credit score Card, you will earn:
- 5 miles per greenback spent on inns, trip leases and rental vehicles booked by way of Capital One Journey
- 2 miles per greenback spent on all different purchases
Why this card pairs nicely: The Sapphire Most popular has unimaginable switch companions, however it could possibly’t account for all journey purchases. That is the place the Enterprise Rewards can are available in. The miles you earn out of your Capital One Enterprise Rewards could be redeemed for assertion credit towards practically any journey buy.
The Enterprise Rewards permits you to switch your miles to 15-plus airline and resort packages, together with some companions that Chase does not have.
Invaluable additions embody Wyndham Rewards, Turkish Airways Miles&Smiles and Selection Privileges. You even have entry to some shared switch companions like British Airways Membership, so pairing the Enterprise Rewards with the Sapphire Most popular might speed up your potential earnings with these packages.
This card additionally gives as much as $120 as a International Entry or TSA PreCheck utility price credit score.
To study extra, try our full assessment of the Enterprise Rewards.
Study extra: Capital One Enterprise Rewards Credit score Card
Citi Strata Premier Card
Annual price: $95
Welcome bonus: Earn 60,000 bonus factors after spending $4,000 in purchases throughout the first three months of account opening.
In accordance with TPG’s July 2025 valuations, this welcome supply is price $1,110.
Rewards fee: The Citi Strata Premier® Card (see charges and charges) earns ThankYou factors on the following charges:
- 10 factors per greenback spent on inns, automobile leases and points of interest (excluding air journey) whenever you guide by way of CitiTravel.com
- 3 factors per greenback spent at eating places, supermarkets, gasoline stations and EV charging stations
- 3 factors per greenback spent on air journey and different resort purchases made outdoors CitiTravel.com
- 1 level per greenback spent on all different purchases
Why this card pairs nicely: The Citi ThankYou Rewards program gives a number of switch companions that Chase does not, akin to Qatar Airways Privilege Membership, Etihad Visitor and Turkish Airways Miles&Smiles. It additionally gives helpful bonus-earning charges at supermarkets and gasoline stations, which the Sapphire Most popular does not.
This card additionally comes with a resort financial savings profit price $100 off a $500 or extra single resort keep (excluding taxes and charges) as soon as every calendar 12 months. Nonetheless, that keep should be booked by way of Citi’s journey portal, limiting its utility to some extent.
To study extra, try our full assessment of the Citi Strata Premier.
Apply right here: Citi Strata Premier Card
Backside line
No matter your selection, you will construct on the data you’ve got obtained by way of the Sapphire Most popular and take one other step towards paying in your subsequent dream journey with factors and miles.
Associated: How I selected my subsequent bank card with assist from fellow TPGers
For charges and charges of the Amex Gold Card, click on right here.
