At TPG, we love the Chase Sapphire Most popular® Card (see charges and costs). It was the primary journey rewards bank card for many people and stays one of many playing cards we will not reside with out.
We love that it earns versatile Chase Final Rewards factors and has our backs if one thing goes unsuitable whereas we’re touring. It is excellent for the common traveler who takes one or two massive journeys a 12 months and desires journey advantages however does not want the extras that include a extra premium journey card.
Whereas many people have upgraded to the Chase Sapphire Reserve® (see charges and costs) as our journey habits have advanced, the Chase Sapphire Most popular continues to be one of many high playing cards we suggest to rookies and anybody searching for a stable set of journey advantages.
Here is why we contemplate the Sapphire Most popular one of the best card for the common traveler.
Low annual price
The Chase Sapphire Most popular prices a $95 annual price, which is much extra affordable than what you may pay for a extra premium journey card. Whereas the trade-off is fewer perks, most common vacationers will not use advantages like lounge entry or airline price credit sufficient to warrant the upper charges that accompany them.
It’s possible you’ll be skeptical of annual charges when you’re new to bank card rewards. However when you have got a powerful card with a manageable price, such because the Chase Sapphire Most popular, it is easy to make up the distinction so that you just aren’t truly paying something out of pocket for the cardboard every year.
For those who’re like TPG bank cards editor Olivia Mittak and use DoorDash regularly, you may get all your Sapphire Most popular’s annual price again with some to spare by means of its complimentary DoorDash DashPass profit (activate by Dec. 31, 2027).
Since a DashPass membership prices $9.99 every month, utilizing your Sapphire Most popular’s complimentary membership would get you $120 a 12 months in worth. Because the Sapphire Most popular prices $95 a 12 months, you would be within the inexperienced by $25.
That is not even factoring on this card’s $50 annual resort credit score for Chase Journey℠ bookings and the worth of the Final Rewards factors you may earn.
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Associated: Is the Chase Sapphire Most popular well worth the annual price? I say sure
Priceless welcome bonus
New cardholders can earn 100,000 bonus factors after spending $5,000 on purchases within the first three months from account opening. That is the greatest supply we have seen on the Sapphire Most popular in years, and it might not come round once more for some time. This supply ends on Might 15 at 9 a.m. EDT.
Whereas spending $5,000 in simply three months could sound like a tough job for some budgets, there are many methods you possibly can meet the minimal spend requirement to unlock the welcome bonus.
Based on TPG’s Might 2025 valuations, this welcome bonus is value a whopping $2,050 in journey rewards. With 100,000 Chase Final Rewards factors at your disposal, you have got a ton of redemption choices.
You will not cease incomes these worthwhile factors if you’re performed incomes the Sapphire Most popular’s welcome supply. This card has a few of the greatest incomes charges of any mid-tier card out there.
Associated: I assumed I might hardly use my Sapphire Most popular, then it turned one in every of my go-to playing cards
Stable incomes
The Chase Sapphire Most popular earns Chase Final Rewards factors, a few of the most versatile factors out there.
The welcome bonus offers you an excellent begin towards incomes the factors crucial in your subsequent trip, nevertheless it is not the one option to earn factors. You may earn factors on a variety of frequent purchases, together with:
- 5 factors per greenback spent on journey booked by means of Chase Journey (excluding the $50 resort credit score)
- 5 factors per greenback spent on Lyft purchases (by means of Sept. 2027)
- 5 factors per greenback spent on Peloton gear and accent purchases of $150 or extra (by means of Dec. 2027, with a restrict of 25,000 bonus factors)
- 3 factors per greenback spent on eating, choose streaming companies and on-line grocery retailer purchases (excluding Walmart, Goal and wholesale golf equipment)
- 2 factors per greenback spent on all different journey not booked by means of Chase Journey
- 1 level per greenback spent on every part else
Chase’s eating class is extremely broad. Many issuers prohibit eating purchases to simply commonplace eating places and perhaps quick meals, however Chase additionally contains bars, breweries, college eating halls, merchandising machines and even some restaurant supply companies like DoorDash and Grubhub.
The journey class can also be fairly beneficiant. You may earn bonus factors on typical journey purchases like resorts and airfare, however you may additionally earn on purchases that different standard journey playing cards do not cowl. These embrace ferries, toll bridges, parking garages, low cost journey websites and a few campgrounds.
Associated: Find out how to maximize your rewards incomes with the Chase Sapphire Most popular
Nice redemptions
Along with flexibility in what earns bonus rewards, the Sapphire Most popular affords flexibility in how one can redeem your factors.
As of Might 2025, TPG values Chase Final Rewards factors at 2.05 cents every. That is as a result of Chase has many worthwhile journey companions that offer you entry to all three main airline alliances and three completely different resort manufacturers (IHG, Marriott and Hyatt).
Chase Final Rewards transfers to every of its companions at a 1:1 ratio, and lots of of these transfers course of virtually immediately.
Transferring your factors to airline companions is vital if you wish to fly enterprise or top notch internationally, nevertheless it affords actual worth to those that choose journey with out bells and whistles, too.
For instance, you may switch simply 10,800 Final Rewards factors to United and e book a one-way economic system flight from Los Angeles Worldwide Airport (LAX) to Orlando Worldwide Airport (MCO) on choose dates this August. Or, you may switch as few as 3,500 factors per night time for an off-peak keep at a Class 1 Hyatt property.
Many TPGers, together with TPG senior bank cards editor Giselle Gomez, use their Final Rewards factors for Hyatt redemptions. A few of her greatest current redemptions weren’t for hard-to-snag worldwide flights or world-class luxurious resorts however as a substitute to meet her MLB park bucket checklist.
If you wish to begin with one thing simpler, you possibly can redeem your factors for 1.25 cents every when reserving by means of Chase Journey. This redemption charge is usually a superb deal when you’re reserving economic system awards or commonplace room charges. Simply take into account that you will not earn elite night time credit when reserving resorts by means of Chase Journey.
One other bonus to reserving airfare, particularly by means of the portal, is that airways contemplate your redemption money. Which means your factors will even cowl any taxes and costs related together with your flight.
Associated: 21 methods to make use of 100K Chase Final Rewards factors: Funds-friendly redemptions and splendid journeys
Useful journey advantages
The Sapphire Most popular could not include lounge entry or a whole lot of {dollars} in journey credit, however that does not imply it lacks worthwhile advantages.
The Sapphire Most popular has a few of the greatest journey protections of any mid-tier bank card in the marketplace, together with:
This card additionally comes with main rental automobile insurance coverage — a rarity for any card, not to mention a mid-tier card. Notice that your Sapphire Most popular’s insurance coverage insurance policies could have further phrases, so be certain to examine your card’s information to advantages for full particulars.
TPG bank cards author Augusta Stone lately used her Sapphire Most popular’s journey cancellation insurance coverage to cowl a missed resort keep. Due to her card’s protection, she saved virtually $250.
The Sapphire Most popular additionally comes with a $50 resort credit score for bookings made by means of Chase Journey. This credit score is nice for reserving boutique resorts that are not a part of a serious resort loyalty program, or if there is not nice award availability in your keep. Giselle used this credit score along with transferring her factors to Hyatt for her bucket checklist baseball journey.
Lastly, the cardboard affords Visa Signature advantages (together with entry to the Visa Signature Concierge Service) and no overseas transaction charges.
Associated: How I bought a 20X return on my Chase Sapphire Most popular final 12 months
A terrific sibling
Most common vacationers in all probability haven’t got 15-plus bank cards of their pockets, which implies the playing cards you have got have to make an affect. The Chase Sapphire Most popular can simply be paired with Chase’s no-annual-fee cash-back playing cards that will help you maximize your incomes potential throughout spending classes, with out including a whole lot of {dollars} in annual charges to your plate.
The rewards you earn on the Chase Freedom Flex® (see charges and costs) and Chase Freedom Limitless® (see charges and costs) cannot be transferred to companions with out assist from a card just like the Sapphire Most popular.
With the Sapphire Most popular in your pockets, you possibly can transfer the rewards you earn from both of the Freedom playing cards to the Chase Sapphire Most popular to benefit from switch companions or an elevated redemption charge by means of Chase Journey.
The Chase Freedom Flex has rotating quarterly bonus classes that earn 5% money again on the primary $1,500 you spend every quarter you activate, whereas the Chase Freedom Limitless earns a minimum of 1.5% money again on all purchases.
Each playing cards additionally earn 5% again on Chase Journey and three% again on eating at eating places and drugstores. Neither card has an annual price.
The Freedom Flex and Freedom Limitless will help fill gaps in your pockets that the Sapphire Most popular cannot cowl. Widespread quarterly classes for the Freedom Flex that are not included among the many Sapphire Most popular’s bonus classes embrace Amazon, PayPal, gyms and charity donations.
The Freedom Limitless can cowl any purchases that do not fall into the Sapphire Most popular or Freedom Flex’s bonus classes.
Associated: Chase Freedom Flex vs. Chase Freedom Limitless
Backside line
The factors and miles world is not simply for individuals who journey for work or spend all of their free time on the street. With the Chase Sapphire Most popular, the common traveler can earn worthwhile factors that may flip into flights and/or resort stays for a much-deserved trip.
Having the Chase Sapphire Most popular is a good first step to exploring the world by means of award journey. For those who’re bought on this being the proper card for you, do not wait. The cardboard’s greatest supply this 12 months will probably be gone quickly, and you do not wish to miss out.
Not satisfied but? To study extra, try our full overview of the Sapphire Most popular.
Apply right here: Chase Sapphire Most popular with a present supply of 100,000 bonus factors after spending $5,000 on purchases within the first three months from account opening.
