Whether or not you are a frequent traveler or factors and miles newbie, there are various causes the Chase Sapphire Most popular Card® (see charges and costs) is a superb choice for you.
However with a $95 annual charge, you could ask, is the Chase Sapphire Most popular value it?
The Sapphire Most popular was my first transferable rewards card and my first one with an annual charge. A few years into holding the cardboard, I can strongly affirm that I’ve obtained considerably extra worth from the cardboard than I’ve paid in annual charges.
Highest-ever supply: Earn 100,000 bonus factors with the Chase Sapphire Most popular after spending $5,000 on purchases throughout the first three months of account opening.
Let’s discover the way you, too, can get way more worth from the Chase Sapphire Most popular than it prices to hold annually.
Beneficiant welcome supply
That is journey rewards card 101: A big portion of the worth you obtain from a brand new card (particularly within the first yr) comes from incomes its welcome bonus. That is very true with the Sapphire Most popular.
At present, new candidates can earn 100,000 bonus factors after spending $5,000 within the first three months of account opening. This matches the highest bonus we have seen on the cardboard, final supplied over three years in the past.
TPG’s March 2025 valuations place this bonus at a whopping $2,050 while you leverage the Chase Final Rewards program’s useful switch companions.
Nonetheless, if you wish to go an easier route, you’ll be able to nonetheless get at the very least $1,250 in worth out of redeeming your factors for journey purchases made by means of Chase Journey℠.
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The worth of this bonus alone fully offsets the first-year $95 annual charge.
Associated: Causes to decide on the Chase Sapphire Most popular over the Chase Sapphire Reserve
Easy resort credit score
In the event you maintain the Sapphire Most popular, you will obtain a $50 assertion credit score every account anniversary yr to e book resort stays bought by means of the Chase journey portal.
All you need to do is log into Chase Journey, choose your Sapphire Most popular (if in case you have a number of Chase playing cards), seek for accommodations and e book your keep.
Simply keep in mind that for those who e book the Chase journey portal, you seemingly will not earn any resort factors or elite night time credit or obtain elite standing advantages.
In our expertise, the assertion credit score often posts inside 4 enterprise days.
This credit score basically wipes out greater than half of the cardboard’s $95 annual charge annually.
Associated: Who ought to (and should not) get the Chase Sapphire Most popular?
Excessive points-earning
A welcome bonus is not the one approach to earn factors. The Sapphire Most popular accrues factors at a excessive charge throughout a number of well-liked bonus classes, which lets you proceed stacking up these useful factors lengthy after incomes the welcome bonus.
This is a breakdown of factors incomes on the Sapphire Most popular:
- 5 factors per greenback on journey booked by means of the Chase journey portal
- 3 factors on eating, choose streaming companies and on-line grocery retailer purchases*
- 2 factors on all journey not booked by means of the Chase journey portal
- 1 level on every thing else
*Excludes Goal, Walmart and wholesale golf equipment
Plus, you will earn a 10% bonus on all purchases made annually. So, for those who spent $25,000 on purchases final yr, you will earn 2,500 bonus factors. By TPG’s March 2025 valuations, they’re value $52.
Worthwhile redemptions
I counsel you switch your Final Rewards factors to considered one of Chase’s journey companions — 11 airline and three resort packages. Excessive-value ones embrace Air France-KLM Flying Blue, British Airways Government Membership and World of Hyatt.
There are numerous candy spots to leverage along with your Chase factors. You need to use factors to e book luxurious Hyatt stays at a excessive worth or switch factors to British Airways to e book flights with Oneworld companions, together with American Airways.
Maximizing your redemptions may simply web journey financial savings of greater than $95 — the price of the Sapphire Most popular’s annual charge.
If leveraging switch companions is not your factor, you will nonetheless get good worth while you e book by means of Chase Journey. That is as a result of Sapphire Most popular cardholders get a hard and fast 1.25 cents in worth for every level they redeem by means of the portal.
So for those who wished to e book a $500 American Airways flight, you might use 40,000 Chase factors to buy it by means of the Chase journey portal. Plus, you will earn AAdvantage miles on this flight.
Associated: Tips about the right way to use your factors and miles higher
Helpful advantages
Certain, you may not apply for a card merely to get journey insurance coverage or buy safety.
Nonetheless, if the time comes that it’s worthwhile to leverage considered one of these perks, the Sapphire Most popular‘s suite of advantages is more likely to have you ever coated. And, in lots of situations, only one profitable declare would web you extra in returns than you paid within the annual charge.
As an instance the airline loses your bag for 5 days on a visit to Europe. In the event you bought your flight along with your Sapphire Most popular card, you will be reimbursed for important purchases like clothes and toiletries.
Chase will cowl as much as $100 a day for 5 days, providing you with as much as $500 — greater than 5 instances the cardboard’s annual charge. Simply ensure to maintain all of your receipts.
Is the Chase Sapphire Most popular value it?
The Chase Sapphire Most popular is value holding yr after yr. Greater than half of its $95 annual charge is offset by an annual $50 resort credit score. And while you add within the excessive incomes charges and useful redemption choices, this card pays for itself.
Backside line
When you redeem the Chase Sapphire Most popular‘s $50 annual resort credit score, your efficient annual charge annually is greater than halved. Between the cardboard’s useful perks and useful protections, it needs to be straightforward for many cardholders to get greater than $45 in worth out of the remainder of the cardboard annually.
After all, you need to take into account your pockets’s present playing cards and private journey preferences earlier than making use of. However for many vacationers, the Chase Sapphire Most popular is value it.
To be taught extra in regards to the card, learn our full overview of the Chase Sapphire Most popular.
Apply right here: Chase Sapphire Most popular
