In the event you’ve spent any time round TPG, that the Chase Sapphire Most well-liked® Card (see charges and costs) is one among our most beloved playing cards.
We regularly suggest it as a terrific journey rewards card for freshmen and journey rewards veterans alike for its stable incomes potential, wonderful level redemption choices and comparatively low annual charge.
However in the event you’ve already listened to us and gotten the Chase Sapphire Most well-liked, your subsequent card determination might sound extra daunting and sophisticated. In actuality, there are a variety of actually good card choices to take you to the subsequent section of your factors and miles journey. It is exhausting to make a foul alternative so long as you retain a number of issues in thoughts.
Let’s break down the three main faculties of thought on which card you need to get to pair along with your trusty Sapphire Most well-liked that will help you determine which method is greatest for you.
Three approaches
Your choices fall into three classes:
There isn’t any single proper reply that applies to everybody, so you will wish to think about your individual state of affairs to find out which makes probably the most sense. Take into consideration what bonus classes you typically spend in, what loyalty packages you prefer and whether or not you wish to deal with Chase earlier than going over 5/24.
Associated: The facility of the Chase Trifecta
Possibility 1: A card to earn further Final Rewards factors
This can be a nice alternative in the event you like Chase’s switch companions and wish to earn as many Chase Final Rewards factors as potential on your dream journey.
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With one of many Chase Freedom playing cards, you possibly can 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 costs) and Chase Freedom Flex® are marketed as cash-back playing cards.
In the event you even have the Chase Sapphire Most well-liked, although, you can mix your rewards and switch them to the complete vary of Chase’s switch companions.
If you end up able to juggle a number of playing cards however wish to preserve incomes Chase Final Rewards factors, you should use all three playing cards (Sapphire Most well-liked, 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 make sure you time your functions fastidiously to maximise your approval possibilities.
The data 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 charge: $0
Welcome bonus: Earn $200 money again after spending $500 within the first three months of account opening.
Rewards charge: With the Freedom Limitless, you will earn:
- 5% money again on journey booked by 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 along with your Chase Sapphire Most well-liked as a result of it earns 1.5% (or factors per greenback spent) on all purchases, which is 50% greater than the Sapphire Most well-liked (1 level per greenback spent on purchases exterior of its bonus classes).
Even with our personal extra superior card portfolios, this can be a card TPGers attain for sometimes. It permits us to earn a good return on purchases that do not fall underneath most bonus classes, comparable to auto repairs and specialty objects. With its present welcome bonus, it would make sense for many Chase Sapphire Most well-liked cardholders.
To be taught extra, take a look at our full evaluation of the Freedom Limitless.
Apply right here: Chase Freedom Limitless
Chase Freedom Flex
Annual charge: $0
Welcome bonus: This card is presently closed to digital candidates, however potential cardholders could possibly apply and obtain a welcome provide in-branch.
Rewards charge: 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 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, through the third quarter of 2025 (July 1 by Sept. 30), the bonus classes are electrical car charging stations, gasoline stations, Instacart and choose stay leisure. Activation required.
This card provides you an effective way to earn extra Chase Final Rewards factors on totally different spending classes.
To be taught extra, take a look at our full evaluation of the Chase Freedom Flex.
Possibility 2: A card to earn further factors with a Chase switch companion
In the event you constantly switch your Chase Final Rewards to a particular switch companion, like United MileagePlus or World of Hyatt, you need to think about a cobranded card to maximise your points-earning potential. A cobranded card may even present advantages related to that particular companion, like free checked luggage or complimentary lodge elite standing.
United Quest Card
Annual charge: $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 response to TPG’s July 2025 valuations, this welcome provide is value $1,300.
Rewards charge: With the United Quest℠ Card (see charges and costs), you will earn:
- 8 miles per greenback spent on United flights
- 5 miles per greenback spent whenever you prepay for a reserving by Famend Motels 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 providers
- 1 mile per greenback spent on all different purchases
Why this card pairs nicely: Since United is one among Chase’s most beneficial journey companions, this card will vastly enhance the worth you obtain whenever you switch your Final Rewards factors to United. For instance, when you’ve got a United Quest card, your miles will go a lot additional as a result of further award availability provided to all United cardholders.
Plus, the present 100,000-mile bonus on the United Quest is the perfect provide 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 greater then.
You will 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 possibly can earn after spending $20,000 on purchases every calendar yr), 25% again on United inflight purchases and an as much as $120 World Entry, TSA PreCheck or Nexus utility charge credit score.
An computerized annual $200 in United TravelBank Money may even assist take the sting out of this card’s $350 annual charge.
The United Quest card affords elitelike advantages you possibly can get pleasure from whereas taking the journeys you have redeemed along with your Final Rewards. In the event you fly United often, this can be a nice card so as to add to your pockets.
To be taught extra, take a look at our full evaluation of the United Quest card.
Apply right here: United Quest Card
World of Hyatt Credit score Card
Annual charge: $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 response to TPG’s July 2025 valuations, the factors on this welcome provide are value $425.
Rewards charge: The World of Hyatt Credit score Card (see charges and costs) 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 immediately from the airline, native transit and commuting and health membership and gymnasium memberships
- 1 level per greenback on all different purchases
Why this card pairs nicely: The World of Hyatt program is well probably the most invaluable lodge switch companion provided by Final Rewards, so you will wish to get pleasure from as many perks as potential when redeeming your rewards for stays at Hyatt.
You will 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 possibly can earn two further qualifying evening credit each time you spend $5,000 in your card, making it a lot simpler to achieve the subsequent tier of elite standing even in the event you’re not on the highway continuously.
One other fashionable profit on this card is the annual free evening you obtain after your cardmember anniversary (legitimate at any Class 1-4 Hyatt lodge or resort), in addition to a further free evening at any Class 1-4 Hyatt lodge or resort in the event you spend $15,000 in a calendar yr.
All that mentioned, this card’s present welcome provide shouldn’t be the perfect. We suggest ready for a greater provide earlier than making use of.
To be taught extra, take a look at our full evaluation 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 wish to open a card that may construct you one other set of transferable rewards. Listed below are some nice decisions:
American Specific Gold Card
Annual charge: $325 (see charges and costs)
Welcome bonus: New cardmembers can discover out their provide and see if they’re eligible for as excessive as 100,000 bonus factors after spending $6,000 on purchases inside the first six months of card membership. Welcome affords range, and also you is probably not eligible for a proposal.
In response to TPG’s July 2025 valuations, this welcome provide is value as a lot as $2,000.
Rewards charge: With the American Specific® Gold Card, you possibly can earn:
- 4 factors per greenback spent on eating at eating places worldwide (as much as $50,000 per calendar yr; then 1 level per greenback)
- 4 factors per greenback spent at U.S. supermarkets (as much as $25,000 per calendar yr; then 1 level per greenback)
- 3 factors per greenback spent on flights booked immediately with the airline or on amextravel.com
- 2 factors per greenback spent on pay as you go accommodations and different eligible purchases on amextravel.com
- 1 level per greenback spent on all different purchases.
Why this card pairs nicely: The Sapphire Most well-liked does not provide bonus rewards for grocery purchases (aside from on-line groceries), so this is a superb card to make use of at U.S. supermarkets.
The Amex Gold additionally affords quite a lot of assertion credit geared towards foodies each calendar yr to assist offset its $325 annual charge. Enrollment is required for choose advantages; phrases apply.
Most significantly, you will diversify your rewards portfolio by getting access to American Specific Membership Rewards. Amex’s loyalty program consists of switch companions that Chase does not have, comparable to Hilton Honors, Delta SkyMiles, ANA Mileage Membership and Qantas Frequent Flyer.
To be taught extra, take a look at our full evaluation of the Amex Gold.
Apply right here: American Specific Gold Card
Capital One Enterprise Rewards Credit score Card
Annual charge: $95
Welcome bonus: Earn 75,000 bonus miles after spending $4,000 on purchases inside the first three months of account opening.
In response to TPG’s July 2025 valuations, this welcome provide is value $1,388.
Rewards charge: With the Capital One Enterprise Rewards Credit score Card, you will earn:
- 5 miles per greenback spent on accommodations, trip leases and rental vehicles booked by Capital One Journey
- 2 miles per greenback spent on all different purchases
Why this card pairs nicely: The Sapphire Most well-liked has unimaginable switch companions, however it might’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 may be redeemed for assertion credit towards practically any journey buy.
The Enterprise Rewards means that you can switch your miles to 15-plus airline and lodge packages, together with some companions that Chase does not have.
Invaluable additions embody Wyndham Rewards, Turkish Airways Miles&Smiles and Alternative Privileges. You even have entry to some shared switch companions like British Airways Membership, so pairing the Enterprise Rewards with the Sapphire Most well-liked might speed up your potential earnings with these packages.
This card additionally affords as much as $120 as a World Entry or TSA PreCheck utility charge credit score.
To be taught extra, take a look at our full evaluation of the Enterprise Rewards.
Study extra: Capital One Enterprise Rewards Credit score Card
Citi Strata Premier Card
Annual charge: $95
Welcome bonus: Earn 60,000 bonus factors after spending $4,000 in purchases inside the first three months of account opening.
In response to TPG’s July 2025 valuations, this welcome provide is value $1,110.
Rewards charge: The Citi Strata Premier® Card (see charges and costs) earns ThankYou factors on the following charges:
- 10 factors per greenback spent on accommodations, automotive leases and points of interest (excluding air journey) whenever you e book by 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 lodge purchases made exterior CitiTravel.com
- 1 level per greenback spent on all different purchases
Why this card pairs nicely: The Citi ThankYou Rewards program affords a number of switch companions that Chase does not, comparable to Qatar Airways Privilege Membership, Etihad Visitor and Turkish Airways Miles&Smiles. It additionally affords invaluable bonus-earning charges at supermarkets and gasoline stations, which the Sapphire Most well-liked does not.
This card additionally comes with a lodge financial savings profit value $100 off a $500 or extra single lodge keep (excluding taxes and costs) as soon as every calendar yr. Nevertheless, that keep have to be booked by Citi’s journey portal, limiting its utility to some extent.
To be taught extra, take a look at our full evaluation of the Citi Strata Premier.
Apply right here: Citi Strata Premier Card
Backside line
No matter your alternative, you will construct on the information you have obtained by the Sapphire Most well-liked and take one other step towards paying on your subsequent dream journey with factors and miles.
Associated: How I selected my subsequent bank card with assist from fellow TPGers
For charges and costs of the Amex Gold Card, click on right here.
