There are a number of elements to think about if you’re selecting a journey bank card.
The mid-tier Chase Sapphire Most popular® Card (see charges and charges) is a good possibility for amassing beneficial Chase Final Rewards factors and having fun with simple advantages for a comparatively low $95 annual price. For these causes, the Sapphire Most popular is considered one of our favourite playing cards for journey learners.
Nevertheless, the Sapphire Most popular is just not for everybody. If you’d like perks like lounge entry or a number of assertion credit, this card might not pack in sufficient for you.
Let’s dive into the cardboard’s advantages that can assist you resolve should you ought to (or should not) apply for it.
Key advantages
Let’s begin by reviewing the highest ongoing advantages of the Sapphire Most popular.
Plus, new candidates can earn 75,000 bonus factors after spending $5,000 on purchases within the first three months from account opening.
Per TPG’s September 2025 valuations, the provide is value $1,538.
Plus, the cardboard gives stable incomes charges:
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- 5 factors per greenback spent on journey booked by way of Chase Journey (excluding the $50 resort credit score)
- 5 factors per greenback spent on Lyft purchases (by way of September 2027)
- 5 factors per greenback spent on Peloton tools and accent purchases of $150 or extra (by way of December 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 (excludes Goal, Walmart and wholesale golf equipment)
- 2 factors per greenback spent on all journey not booked by way of Chase Journey
- 1 level per greenback spent on every thing else
Transferring factors to Chase’s journey companions can unlock distinctive worth for flights and lodges. In case you select to redeem your factors by way of Chase Journey, you may obtain as much as 1.5 cents every on choose lodges and as much as 1.75 cents every on flights with choose airways, due to the Factors Enhance redemption characteristic.
Associated: How my Chase Sapphire Most popular saved me practically $250 on a canceled journey
Who ought to get the Sapphire Most popular?
After contemplating the cardboard’s advantages, it is time to resolve whether or not the Sapphire Most popular is smart. Listed below are some causes you could need to add this card.
You are searching for your first card with an annual price
Many learners suppose they should keep away from playing cards with annual charges utterly. However should you’ve already began with considered one of our favourite playing cards with out an annual price and are able to take the next move within the factors and miles world, the Sapphire Most popular is a good possibility.
That is as a result of its $95 annual price is comparatively low, particularly when you think about the worth of Chase factors.
You will have a Chase Freedom card
You are additionally an excellent candidate for this card if you have already got the Chase Freedom Flex® (see charges and charges) or Chase Freedom Limitless® (see charges and charges).
Combining the Sapphire Most popular with one (or each) of those playing cards is among the finest methods to maximise your factors.
The Final Rewards program enables you to freely switch factors between your collaborating playing cards. Consequently, the factors on the 2 Freedom playing cards that might normally solely be redeemable for money again could be despatched to your Sapphire Most popular account, immediately rising their worth.
You are a small-business proprietor with Ink Enterprise playing cards
In case you’re a enterprise proprietor with the Ink Enterprise Money® Credit score Card (see charges and charges), Ink Enterprise Most popular® Credit score Card or Ink Enterprise Limitless® Credit score Card (see charges and charges), you should utilize the identical technique because the Freedom playing cards.
Whereas we advocate conserving enterprise and private bills separate, you may mix your enterprise and private rewards.
The knowledge for the Ink Enterprise Most popular 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.
You do not at present have a card that earns Chase factors
Chase’s Final Rewards program is among the most profitable on the market, particularly if you know the way to redeem your factors for optimum worth.
In case you do not at present have a card that participates in this system, the Chase Sapphire Most popular is a good one to get began. As famous above, the cardboard carries a beneficial welcome bonus, stable incomes charges and several other added perks for a $95 annual price.
Associated: The facility of the Chase Trifecta: Maximize your earnings with 3 playing cards
Who should not get the Sapphire Most popular?
Whereas many vacationers ought to apply for the Sapphire Most popular, sure sorts of vacationers should not go for the cardboard. Listed below are some causes the cardboard is probably not for you.
You need lounge entry or premium perks
The Sapphire Most popular’s low annual price signifies that it would not include luxurious advantages, comparable to airport lounge entry and elite standing.
In case you worth these perks, think about its premium counterpart, the Chase Sapphire Reserve® (see charges and charges).
Among the many high perks are Chase Sapphire airport lounge entry and a Precedence Go Choose membership, which aren’t included within the Sapphire Most popular.
The Sapphire Reserve additionally gives elevated perks like beneficial assertion credit for journey purchases, The Edit luxurious resort bookings, unique eating alternatives.
You at present have the Sapphire Reserve
Whilst you can maintain the Sapphire Most popular concurrently the Sapphire Reserve, you may’t earn a bonus on the Sapphire Most popular should you at present maintain the Sapphire Reserve.
It’s because Chase altered the bonus eligibility necessities for its Sapphire playing cards after the Sapphire Reserve’s refresh in June.
You have already earned a Sapphire Most popular welcome bonus
Alongside these strains, you will not earn the present bonus on the Sapphire Most popular should you’ve beforehand held the cardboard and earned its bonus.
As a result of a lot of the Sapphire Most popular’s worth is present in its welcome provide, it would not make sense to use now should you’ve already had it.
You have utilized for 5 or extra playing cards from any issuer within the final 24 months
The ultimate one that should not apply for the Sapphire Most popular is somebody whose utility can be affected by the Chase 5/24 rule.
In case you’re unfamiliar, Chase will sometimes deny your utility should you’ve opened 5 or extra new bank cards within the final 24 months (therefore the “5/24” identify).
Associated: Need to open a brand new Chase card? This is calculate your 5/24 standing
Backside line
The Sapphire Most popular is a incredible possibility for exploring journey rewards extra deeply. It gives many alternatives to redeem factors for beneficial rewards that go far past these provided by less complicated, fixed-value playing cards.
That stated, it is not the best choice for individuals who worth premium card perks. Take into account your journey and spending habits to find out if the cardboard is the precise match.
To be taught extra, learn our full evaluate of the Chase Sapphire Most popular.
Apply right here: Sapphire Most popular
