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This yr has been hectic, and between shifting and touring, I discovered myself counting on DoorDash, eating out and on-line grocery supply excess of ordinary.
At first, I felt a bit responsible about how a lot I used to be spending for comfort. Then I remembered one in all my favourite bank card methods: utilizing the Chase Sapphire Most well-liked® Card (see charges and charges) to earn bonus factors on eating (together with DoorDash) and on-line grocery orders. What as soon as felt like indulgent spending rapidly became a rising stash of Chase Final Rewards factors and a tangible step towards my subsequent journey.
The factors I’ve gathered to this point might not cowl a complete trip, however they are sufficient to cowl a major a part of the price.
Right here’s how my on a regular basis spending is popping into journey financial savings — and the way yours can as nicely.
Associated: 6 methods to maximise the Chase Sapphire Most well-liked as a newbie
Turning DoorDash, eating out and on-line groceries into useful factors
Between a cross-country transfer and a packed journey calendar, meals spending added up rapidly. An internet Complete Meals order right here, an evening out at a neighborhood restaurant there — and loads of DoorDash orders in between. Earlier than I knew it, I used to be spending a major chunk of my month-to-month funds on meals.
Thankfully, almost all of these purchases went on my Sapphire Most well-liked, one in all my favourite rewards playing cards in my pockets.
One of many card’s largest strengths is its elevated incomes charges on on a regular basis bonus classes, together with eating and on-line groceries.
Listed below are a couple of of the cardboard’s key incomes charges:
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- 5 factors per greenback spent on journey booked via Chase Journey℠ (excluding the $50 lodge credit score)
- 3 factors per greenback spent on eating, choose streaming companies and on-line grocery retailer purchases*
- 2 factors per greenback spent on all different journey not booked via Chase Journey
*The elevated incomes charge for on-line grocery retailer purchases excludes Goal, Walmart and wholesale golf equipment.
One profit I didn’t count on to make use of (or take pleasure in) almost as a lot is DoorDash DashPass. Sapphire Most well-liked cardholders obtain at the very least one yr of complimentary DashPass membership (activation required by Dec. 31, 2027), which incorporates free supply and lowered service charges on eligible orders.
Cardholders with an activated DashPass membership also can obtain $10 every month towards nonrestaurant DoorDash purchases, which has turn out to be useful for comfort retailer and grocery orders.
After dozens of DoorDash orders this yr, the quantity I saved on supply and repair charges alone was substantial, and the factors added up simply as rapidly.
By placing almost all of my eating, DoorDash and on-line grocery purchases on the Sapphire Most well-liked, I earned simply over 22,000 Chase Final Rewards factors in 2025. That complete breaks down as:
- 20,307 factors from eating purchases (together with DoorDash)
- 1,829 factors from on-line grocery orders
In keeping with TPG’s December 2025 valuations, these factors are price roughly $450 when maximized via switch companions. That’s not sufficient to pay for a complete trip, nevertheless it’s greater than sufficient to meaningfully offset the price of one.
Associated: Your full information to Chase and DoorDash
Changing factors into a visit
After noticing how rapidly my factors had been including up from on a regular basis eating and grocery spending, I began dreaming about how I may flip them into an actual journey.
Probably the greatest methods to maximise the worth of Chase Final Rewards factors is to switch them to one in all Chase’s 10 airline and three lodge companions, which nearly all the time yields way more worth than redeeming factors for money again or journey via the portal.
With 22,000 factors, I may cowl a home or worldwide flight or a lodge keep, that are bills I’d in any other case pay for in money. When paired with factors from different spending or welcome bonuses, these food-earned factors can offset a significant portion of journey prices.
Listed below are a couple of methods I’m contemplating utilizing my factors:
- Spherical-trip flight from San Francisco Worldwide Airport (SFO) to Ellison Onizuka Kona Worldwide Airport at Keahole (KOA) in Hawaii for 22,000 factors on United Airways in March
- One-way flight from Dulles Worldwide Airport (IAD) to Daniel Oduber Quirós Worldwide Airport (LIR) in Costa Rica for 19,000 factors on Air France in April
- One-night keep on the Grand Hyatt Berlin for 15,000 factors in Might
Associated: How I turned 100,000 Chase factors right into a multicountry European journey
Suggestions for incomes extra on on a regular basis spending
Incomes on on a regular basis spending will be as simple as a swipe, and also you don’t must overhaul your habits to make this technique work. Just a few minor changes can go a great distance:
- Take note of bonus classes: Know which playing cards earn probably the most on eating, groceries and supply companies, and use them deliberately. Even a 1- or 2-point distinction per greenback provides up rapidly over time.
- Stack perks when you possibly can: Reap the benefits of built-in advantages like DashPass, month-to-month credit or limited-time promotions. These perks can prevent cash and enhance the efficient worth of each buy.
- Watch the charges: Supply charges and repair expenses can eat into your rewards when you’re not cautious. Memberships like DashPass assist scale back these prices, making the factors you earn extra worthwhile.
Associated: How bank cards can flip at the moment’s spending into tomorrow’s rewards
Backside line
Utilizing eating out, DoorDash and on-line grocery supply with the Sapphire Most well-liked hasn’t turned my on a regular basis spending into a complete trip (but). Nonetheless, it has given me a significant head begin on my subsequent journey.
Each burrito, latte and grocery supply now brings me one step nearer to touring, proving that even small, routine purchases can add up in a giant method.
By incomes further factors on eating, DoorDash and groceries with my card, I’m turning on a regular basis spending right into a flight, a lodge night time or journey bills I received’t must pay for out of pocket.
To be taught extra, try our full overview of the Chase Sapphire Most well-liked.
Apply right here: Chase Sapphire Most well-liked Card
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