There are a number of components to contemplate whenever you’re selecting a journey bank card.
The mid-tier Chase Sapphire Most popular® Card (see charges and costs) is a good choice for amassing invaluable Chase Final Rewards factors and having fun with easy advantages for a comparatively low $95 annual price. For these causes, the Sapphire Most popular is one in all our favourite playing cards for journey learners.
Nonetheless, the Sapphire Most popular just isn’t for everybody. In order for you 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 will help you resolve in case 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 supply is value $1,538.
Plus, the cardboard offers strong incomes charges:
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- 5 factors per greenback spent on journey booked by means of Chase Journey (excluding the $50 lodge credit score)
- 5 factors per greenback spent on Lyft purchases (by means of September 2027)
- 5 factors per greenback spent on Peloton gear and accent purchases of $150 or extra (by means 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 means of Chase Journey
- 1 level per greenback spent on the whole lot else
Transferring factors to Chase’s journey companions can unlock distinctive worth for flights and resorts. When you select to redeem your factors by means of Chase Journey, you’ll be able to obtain as much as 1.5 cents every on choose resorts 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 almost $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 here are some causes you could wish to add this card.
You are in search of your first card with an annual price
Many learners suppose they should keep away from playing cards with annual charges utterly. However in case you’ve already began with one in all our favourite playing cards with out an annual price and are able to take the next step within the factors and miles world, the Sapphire Most popular is a good choice.
That is as a result of its $95 annual price is comparatively low, particularly when you think about the worth of Chase factors.
You have got a Chase Freedom card
You are additionally an awesome candidate for this card if you have already got the Chase Freedom Flex® (see charges and costs) or Chase Freedom Limitless® (see charges and costs).
Combining the Sapphire Most popular with one (or each) of those playing cards is without doubt one of the finest methods to maximise your factors.
The Final Rewards program permits you to freely switch factors between your collaborating playing cards. Because of this, the factors on the 2 Freedom playing cards that will often solely be redeemable for money again could be despatched to your Sapphire Most popular account, immediately growing their worth.
You are a small-business proprietor with Ink Enterprise playing cards
When you’re a enterprise proprietor with the Ink Enterprise Money® Credit score Card (see charges and costs), Ink Enterprise Most popular® Credit score Card or Ink Enterprise Limitless® Credit score Card (see charges and costs), you should utilize the identical technique because the Freedom playing cards.
Whereas we advocate preserving enterprise and private bills separate, you’ll be able to mix your small business 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 the moment have a card that earns Chase factors
Chase’s Final Rewards program is without doubt one of the most profitable on the market, particularly if you understand how to redeem your factors for optimum worth.
When you do not at the moment 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 invaluable welcome bonus, strong incomes charges and several other added perks for a $95 annual price.
Associated: The ability 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 forms of vacationers should not go for the cardboard. Listed here 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 implies that it does not include luxurious advantages, similar to airport lounge entry and elite standing.
When you worth these perks, contemplate its premium counterpart, the Chase Sapphire Reserve® (see charges and costs).
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 offers elevated perks like invaluable assertion credit for journey purchases, The Edit luxurious lodge bookings, unique eating alternatives.
You at the moment have the Sapphire Reserve
Whilst you can maintain the Sapphire Most popular similtaneously the Sapphire Reserve, you’ll be able to’t earn a bonus on the Sapphire Most popular in case you at the moment maintain the Sapphire Reserve.
It is because Chase altered the bonus eligibility necessities for its Sapphire playing cards after the Sapphire Reserve’s refresh in June.
You’ve got already earned a Sapphire Most popular welcome bonus
Alongside these strains, you will not earn the present bonus on the Sapphire Most popular in case 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 supply, it would not make sense to use now in case you’ve already had it.
You’ve got utilized for 5 or extra playing cards from any issuer within the final 24 months
The ultimate one who should not apply for the Sapphire Most popular is somebody whose software can be affected by the Chase 5/24 rule.
When you’re unfamiliar, Chase will sometimes deny your software in case 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? Here is how you can calculate your 5/24 standing
Backside line
The Sapphire Most popular is a unbelievable choice for exploring journey rewards extra deeply. It offers many alternatives to redeem factors for invaluable 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. Contemplate your journey and spending habits to find out if the cardboard is the best match.
To study extra, learn our full assessment of the Chase Sapphire Most popular.
Apply right here: Sapphire Most popular
