If you happen to’ve spent any time round TPG, you realize that the Chase Sapphire Most well-liked® Card (see charges and charges) is one in all our most beloved playing cards.
We frequently suggest it as a terrific journey rewards card for newcomers and journey rewards veterans alike for its strong incomes potential, glorious level redemption choices and comparatively low annual payment.
However in case you’ve already listened to us and gotten the Chase Sapphire Most well-liked, your subsequent card choice might sound extra daunting and sophisticated. In actuality, there are plenty of actually good card choices to take you to the following part of your factors and miles journey. It is laborious to make a foul alternative so long as you retain a couple of issues in thoughts.
Let’s break down the three main colleges of thought on which card you must get to pair together with your trusty Sapphire Most well-liked that will help you determine which method is finest for you.
Three approaches
Your choices fall into three classes:
There is no such thing as a single proper reply that applies to everybody, so you will need to think about your individual scenario to find out which makes essentially the most sense. Take into consideration what bonus classes you usually spend in, what loyalty applications you prefer and whether or not you need to give attention to Chase earlier than going over 5/24.
Associated: The ability of the Chase Trifecta
Choice 1: A card to earn extra Final Rewards factors
This can be a nice alternative in case you like Chase’s switch companions and need to earn as many Chase Final Rewards factors as attainable in 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 charges) and Chase Freedom Flex® are marketed as cash-back playing cards.
If you happen to even have the Chase Sapphire Most well-liked, although, you’ll mix your rewards and switch them to the complete vary of Chase’s switch companions.
If you end up able to juggle a couple of playing cards however need to maintain incomes Chase Final Rewards factors, you need to use all three playing cards (Sapphire Most well-liked, Freedom Limitless and Freedom Flex) to maximise your Final Rewards-earning potential on your whole 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 rigorously to maximise your approval possibilities.
The knowledge 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 payment: $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 way of Chase Journey℠
- 3% again on eating
- 3% again on drugstores
- 1.5% again on all different purchases
Why this card pairs properly: This card is great to pair together 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 outdoors of its bonus classes).
Even with our personal extra superior card portfolios, this can be a card TPGers attain for occasionally. It permits us to earn an honest return on purchases that do not fall underneath most bonus classes, similar to auto repairs and specialty gadgets. With its present welcome bonus, it can make sense for many Chase Sapphire Most well-liked cardholders.
To study extra, try our full evaluate of the Freedom Limitless.
Apply right here: Chase Freedom Limitless
Chase Freedom Flex
Annual payment: $0
Welcome bonus: This card is at present closed to digital candidates, however potential cardholders might be able to 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 way of Chase Journey
- 3% again on drugstore purchases
- 3% again on eating
- 1% again on all different purchases
Why this card pairs properly: 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, throughout the third quarter of 2025 (July 1 by way of Sept. 30), the bonus classes are electrical automobile charging stations, gasoline stations, Instacart and choose dwell leisure. Activation required.
This card provides you an effective way to earn extra Chase Final Rewards factors on completely different spending classes.
To study extra, try our full evaluate of the Chase Freedom Flex.
Choice 2: A card to earn extra factors with a Chase switch associate
If you happen to persistently switch your Chase Final Rewards to a particular switch associate, like United MileagePlus or World of Hyatt, you must think about a cobranded card to maximise your points-earning potential. A cobranded card can even present advantages related to that particular associate, like free checked luggage or complimentary lodge elite standing.
United Quest Card
Annual payment: $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 accordance with TPG’s July 2025 valuations, this welcome provide is value $1,300.
Rewards charge: With the United Quest℠ Card (see charges and charges), you will earn:
- 8 miles per greenback spent on United flights
- 5 miles per greenback spent once you prepay for a reserving by way of 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 companies
- 1 mile per greenback spent on all different purchases
Why this card pairs properly: Since United is one in all Chase’s most dear journey companions, this card will tremendously enhance the worth you obtain once you switch your Final Rewards factors to United. For instance, when you could have a United Quest card, your miles will go a lot additional as a result of extra award availability supplied to all United cardholders.
Plus, the present 100,000-mile bonus on the United Quest is the finest provide we have seen within the card’s historical past. This card final supplied 100,000 miles throughout its 2021 launch, and the spending requirement was a lot increased then.
You may 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 International Entry, TSA PreCheck or Nexus software payment credit score.
An automated annual $200 in United TravelBank Money can even assist take the sting out of this card’s $350 annual payment.
The United Quest card provides elitelike advantages you possibly can take pleasure in whereas taking the journeys you’ve got redeemed together with your Final Rewards. If you happen to fly United recurrently, this can be a nice card so as to add to your pockets.
To study extra, try our full evaluate of the United Quest card.
Apply right here: United Quest Card
World of Hyatt Credit score Card
Annual payment: $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 accordance with 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 charges) 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 properly: The World of Hyatt program is definitely essentially the most precious lodge switch associate supplied by Final Rewards, so you will need to take pleasure in as many perks as attainable when redeeming your rewards for stays at Hyatt.
You may obtain Hyatt Discoverist standing for so long as your account is open and 5 qualifying night time credit towards your subsequent standing tier yearly. Plus, you possibly can earn two extra qualifying night time credit each time you spend $5,000 in your card, making it a lot simpler to succeed in the following tier of elite standing even in case you’re not on the highway continually.
One other in style profit on this card is the annual free night time you obtain after your cardmember anniversary (legitimate at any Class 1-4 Hyatt lodge or resort), in addition to a further free night time at any Class 1-4 Hyatt lodge or resort in case you spend $15,000 in a calendar yr.
All that mentioned, this card’s present welcome provide will not be the very best. We suggest ready for a greater provide earlier than making use of.
To study extra, try our full evaluate of the World of Hyatt card.
Apply right here: World of Hyatt Credit score Card
Choice 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 need to open a card that can construct you one other set of transferable rewards. Listed here are some nice selections:
American Specific Gold Card
Annual payment: $325 (see charges and charges)
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 provides fluctuate, and also you might not be eligible for a proposal.
In accordance with 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 inns and different eligible purchases on amextravel.com
- 1 level per greenback spent on all different purchases.
Why this card pairs properly: The Sapphire Most well-liked does not provide bonus rewards for grocery purchases (aside from on-line groceries), so this is a wonderful card to make use of at U.S. supermarkets.
The Amex Gold additionally provides quite a lot of assertion credit geared towards foodies each calendar yr to assist offset its $325 annual payment. 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, similar to Hilton Honors, Delta SkyMiles, ANA Mileage Membership and Qantas Frequent Flyer.
To study extra, try our full evaluate of the Amex Gold.
Apply right here: American Specific Gold Card
Capital One Enterprise Rewards Credit score Card
Annual payment: $95
Welcome bonus: Earn 75,000 bonus miles after spending $4,000 on purchases inside the first three months of account opening.
In accordance with 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 inns, trip leases and rental vehicles booked by way of Capital One Journey
- 2 miles per greenback spent on all different purchases
Why this card pairs properly: The Sapphire Most well-liked has unimaginable switch companions, however it could actually’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 will be redeemed for assertion credit towards almost any journey buy.
The Enterprise Rewards lets you switch your miles to 15-plus airline and lodge applications, together with some companions that Chase does not have.
Priceless 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 may speed up your potential earnings with these applications.
This card additionally provides as much as $120 as a International Entry or TSA PreCheck software payment credit score.
To study extra, try our full evaluate of the Enterprise Rewards.
Be taught extra: Capital One Enterprise Rewards Credit score Card
Citi Strata Premier Card
Annual payment: $95
Welcome bonus: Earn 60,000 bonus factors after spending $4,000 in purchases inside the first three months of account opening.
In accordance with TPG’s July 2025 valuations, this welcome provide is value $1,110.
Rewards charge: The Citi Strata Premier® Card (see charges and charges) earns ThankYou factors on the following charges:
- 10 factors per greenback spent on inns, automotive leases and sights (excluding air journey) once you e book by way of 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 outdoors CitiTravel.com
- 1 level per greenback spent on all different purchases
Why this card pairs properly: The Citi ThankYou Rewards program provides a number of switch companions that Chase does not, similar to Qatar Airways Privilege Membership, Etihad Visitor and Turkish Airways Miles&Smiles. It additionally provides precious 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 charges) as soon as every calendar yr. Nonetheless, that keep should be booked by way of Citi’s journey portal, limiting its utility to some extent.
To study extra, try our full evaluate of the Citi Strata Premier.
Apply right here: Citi Strata Premier Card
Backside line
The Chase Sapphire Most well-liked Card is great by itself, but it surely’s even higher when paired with different playing cards. Whether or not you need to give attention to incomes extra Chase Final Rewards factors, construct out your stash of factors or miles with one in all Chase’s switch companions or diversify into one other set of transferable rewards, you could have nice choices obtainable to you.
No matter your alternative, you will construct on the data you’ve got obtained by way of the Sapphire Most well-liked and take one other step towards paying in your subsequent dream journey with factors and miles.
Associated: How I selected my subsequent bank card with assist from fellow TPGers
For charges and charges of the Amex Gold Card, click on right here.
