Chase Sapphire Most well-liked overview: A prime journey card

Chase Sapphire Most well-liked Card overview

The Chase Sapphire Most well-liked® Card (see charges and costs) is without doubt 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 advocate to individuals who love journey. Card score*: ⭐⭐⭐⭐½

*Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

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At TPG, probably the most widespread questions we get requested is, “Which journey bank card ought to I begin with?”

We nearly universally advocate the Chase Sapphire Most well-liked Card as a result of it earns priceless factors, affords helpful advantages and has a low, cheap $95 annual payment.

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 not less than 670 to qualify for this card; nonetheless, it’s not extraordinary for somebody to be authorized with a decrease rating.

Right here’s what you must know in regards to the Sapphire Most well-liked for those who’re enthusiastic about including it to your pockets.

Chase Sapphire Most well-liked execs and cons

Chase Sapphire Most well-liked welcome supply

New Chase Sapphire Most well-liked Card holders can earn 75,000 bonus factors after spending $5,000 on purchases within the first three months from account opening.

That is increased than the usual bonus on this card.

Should you switch your factors to one among Chase’s airline or lodge companions, the worth of this bonus is as much as $1,538, in response to our December 2025 valuations.

Ensure that you might be beneath 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 enables 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 well-liked?

Chase Sapphire Most well-liked advantages

Along with the welcome bonus, there are numerous interesting perks to being a Sapphire Most well-liked Card holder.

You’ll obtain a press release credit score of as much as $50 on lodge stays booked via Chase Journey℠ upon opening the cardboard and on every account anniversary thereafter. (It’s mechanically utilized to your account annually whenever you make an eligible cost. Notice, nonetheless, that the $50 credit score doesn’t earn Chase Final Rewards factors.)

Cardholders additionally get pleasure from a ten% anniversary factors bonus annually. This bonus is predicated in your whole spending in the course of the account anniversary 12 months at a price of 1 level for every $10 spent. So, for those who spend $30,000 in your card throughout your cardholder 12 months, you’ll obtain 3,000 bonus factors on the finish of the 12 months.

You’ll additionally get not less than one 12 months of complimentary DoorDash DashPass membership, which incorporates free supply and decreased service charges on eligible purchases (activate by Dec. 31, 2027). It is a priceless profit for those who already use DoorDash.

Sapphire Most well-liked 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 well-liked is a perfect alternative for journey bookings, resembling flights, motels and cruises. That’s as a result of it comes with complete journey protections, together with:

It additionally contains procuring advantages like:

Associated: 7 Chase Sapphire Most well-liked advantages you may not find out about

Incomes factors with the Chase Sapphire Most well-liked

The Chase Sapphire Most well-liked has a profitable incomes construction that’s straightforward to maximise. You will earn:

• 5 factors per greenback spent on journey booked via Chase Journey (excluding the $50 lodge credit score)
• 5 factors per greenback spent on Lyft purchases (via Sept. 30, 2027)
• 5 factors per greenback spent on Peloton gear and accent purchases of $150 or extra (via 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 via Chase Journey
• 1 level per greenback spent on all the pieces else

*The elevated incomes price for on-line grocery retailer purchases excludes Goal, Walmart and wholesale golf equipment.

These are a few of the highest incomes charges obtainable, particularly because you’re incomes priceless Chase Final Rewards factors. That stated, there are playing cards on the market that earn extra factors per greenback spent on eating and groceries.

Associated: Is the Chase Sapphire Most well-liked well worth the annual payment? I say sure

Redeeming factors with the Chase Sapphire Most well-liked

Once you redeem the factors you’ve earned with the Chase Sapphire Most well-liked, you’ll see how the cardboard shines.

The very best different to transferring to companions (defined within the subsequent part) is to make use of your factors to ebook flights, lodging and automobile leases via Chase Journey — all at a price of as much as 1.75 cents per level, relying on the particular 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 at all times have the choice to ebook journey utilizing your factors. So long as a seat on a flight or a lodge room is offered, you possibly can pay for it together with your factors.

You may as well redeem your factors for money again or reward playing cards (at a price of 1 cent per level) or for a barely increased worth whenever you make the most of Chase’s Pay Your self Again possibility.

Nevertheless, these redemption choices are much less priceless than transferring your factors to Chase’s journey companions, so we advocate avoiding them every time doable.

Associated: Chase Final Rewards candy spots: From worldwide enterprise class to home journey

Transferring factors with the Chase Sapphire Most well-liked

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 lodge companions. A few of our favorites embody World of Hyatt for luxurious lodge stays and Air Canada Aeroplan, Air France-KLM Flying Blue and British Airways Membership for comfy flights.

Chase ceaselessly 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 recurrently transfers factors to Hyatt, reserving motels in Europe for as few as 3,500 factors per night time in the course of the summer time.

Utilizing switch companions for aspirational journey is a strong method to maximize your Final Rewards factors and get worth out of your Sapphire Most well-liked spending.

Which playing cards compete with the Chase Sapphire Most well-liked?

The Sapphire Most well-liked is tough to beat, but it surely’s value evaluating it to different playing cards:

• Should you choose Capital One: The Capital One Enterprise Rewards Credit score Card is your finest guess for those who’re occupied with a Capital One-affiliated card. It affords an easier incomes construction for a similar $95 annual payment. Nevertheless, Capital One miles are value barely lower than Chase factors, in response to TPG’s December 2025 valuations. Be taught extra in our full overview of the Enterprise Rewards.
• Should you choose American Categorical: The American Categorical® Inexperienced Card affords a excessive incomes price on journey, eating and transit. An annual as much as $209 Clear Plus credit score every calendar 12 months greater than offsets its increased $150 annual payment. Plus, Amex has extra switch companions than Chase and affords extra frequent switch bonuses. Be taught extra in our full overview of the Amex Inexperienced.
• If you need extra perks: The Chase Sapphire Reserve® (see charges and costs) affords increased incomes charges on choose journey purchases and elevated perks like airport lounge entry and an annual journey credit score for a better $795 annual payment. Be taught extra in our full overview of the Sapphire Reserve.

For extra choices, try our full checklist of the most effective starter bank cards.

The data 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 stage up out of your cash-back or no-annual-fee bank card, a superb card to use for is the Chase Sapphire Most well-liked. It’s nonetheless considered top-of-the-line rewards bank cards since its debut over 15 years in the past. It earns essentially the most priceless factors obtainable, and it’s versatile sufficient to satisfy the rewards targets of each frequent and newbie vacationers alike.

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Apply right here: Chase Sapphire Most well-liked Card

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