The Chase Sapphire Most popular® Card (see charges and charges) is the cardboard that made journey rewards accessible to the plenty.
You do not have to be wealthy or a enterprise traveler to earn a number of the most beneficial and versatile factors. With the Sapphire Most popular, all you needed to do was construct a strong rewards technique, and free flights and inns can be yours.
However with growing competitors and extra premium card choices, we wished to see how properly the Chase Sapphire Most popular has stood the take a look at of time. Here is what we discovered.
Associated: Chase Sapphire Most popular bank card overview
Incomes and redeeming factors
The Chase Sapphire Most popular is a mid-tier journey rewards card with a $95 annual charge. It comes with a welcome bonus of 100,000 bonus factors after spending $5,000 on purchases within the first three months of account opening.
In line with TPG’s April 2025 valuations, Chase Final Rewards factors at 2.05 cents every, making this provide price $2,050.
Along with the sign-up bonus, you may earn rewards on the following charges:
- 5 factors per greenback on journey when booked via Chase Journey℠
- 3 factors per greenback on eating purchases, choose streaming providers and on-line grocery purchases (excluding Goal, Walmart and wholesale golf equipment)
- 2 factors per greenback on all different journey
- 1 level per greenback on every part else
Chase is understood for the way broadly it defines these bonus classes. For instance, journey purchases aren’t restricted to flights and inns — additionally they embody ride-hailing providers, public transit and a few parking charges. Equally, the eating class contains meals supply providers, providing you with loads of alternatives to rack up factors.
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You’ve got two important choices when redeeming your factors for journey. In case your objective is simplicity, you need to use your factors to guide any journey instantly via Chase Journey at a hard and fast price of 1.25 cents per level. You possibly can combine factors and money if you do not have sufficient factors to cowl your whole journey.
One other good thing about reserving instantly with Chase is which you could rack up bonus and elite qualifying miles with the airline you are flying. These redemptions code as money tickets and normally earn miles.
If, however, your objective is to squeeze most worth out of your Chase factors, you may usually be higher off shifting your factors to certainly one of Chase’s 14 airline and resort companions.
These companions cowl all three main airline alliances (Star Alliance, Oneworld and SkyTeam) and three of the most important resort chains. So regardless of the place you are touring, your factors will enable you get there and keep there.
Associated: How lengthy do Chase Final Rewards factors take to switch to companion applications?
Journey advantages
Past Chase’s journey reserving choices, this card gives many advantages. At first, it costs no overseas transaction charges.
It is good when your journey plans go off with out a hitch, however delays and cancellations are inevitable. When issues do not go as deliberate, your Sapphire Most popular card can come to the rescue with some beneficiant journey advantages.
Journey delay insurance coverage is on the high of the listing. In case your flight is delayed by 12 hours or extra or requires an in a single day keep, you will be reimbursed as much as $500 to cowl meals, lodging and native transportation.
And in case your journey is canceled by sickness, climate or different coated conditions, you will be reimbursed as much as $10,000 per coated traveler and $20,000 per journey for nonrefundable, pay as you go bills similar to excursions, inns and airplane tickets.
Lastly, in case your bag is delayed six hours or extra, you will be reimbursed as much as $500 ($100 a day for 5 days) for important purchases similar to clothes and toiletries.
Associated: Your information to Chase’s journey insurance coverage protection
There are different lesser-known Sapphire advantages, similar to main rental automotive insurance coverage, however the backside line is that this card has your again when issues go improper on the street.
Chase additionally gives partnerships on the Sapphire Most popular, similar to a complimentary DoorDash DashPass membership, which gives a minimum of a 12 months of limitless free meals supply. Usually valued at $9.99 a month, DashPass prospects obtain decrease service charges and free supply on all orders of greater than $12.
Sapphire cardholders can register anytime earlier than December 31, 2027. And cardholders with an activated DashPass membership additionally obtain as much as $10 off every calendar month at checkout on one grocery, comfort or different nonrestaurant order on DoorDash.
Pair with different Chase playing cards
You’ll have already began accumulating Final Rewards factors, one of the priceless and versatile loyalty currencies. So long as you are eligible to use for the Sapphire Most popular (extra on that under), proudly owning this card can strengthen your current assortment of Chase playing cards.
The no-annual-fee Chase Freedom Flex® (see charges and charges) and Chase Freedom Limitless® (see charges and charges) are priceless cash-back playing cards. However if you happen to additionally maintain an Final Rewards-earning card such because the Chase Sapphire Most popular, the Chase Sapphire Reserve® (see charges and charges) or the Ink Enterprise Most popular® Credit score Card (see charges and charges), your Freedom playing cards get much more rewarding.
The Freedom Flex earns 5% money again (5 factors per greenback) in your first $1,500 spent in rotating quarterly bonus classes (activation required). In the meantime, the Freedom Limitless earns a minimum of 1.5% money again (1.5 factors per greenback) on purchases, making it an ideal card for these new to the world of bank cards and award journey.
The money again earned from these playing cards is issued within the type of factors price 1 cent every. You possibly can redeem your factors for money again or transfer them over to your Chase Sapphire Most popular and switch them into full-fledged transferable Final Rewards factors, greater than doubling their worth.
You will discover that the Most popular additionally pairs properly with the no-annual-fee Chase Ink Enterprise Money® Credit score Card (see charges and charges). This card earns 5% again on the primary $25,000 spent in mixed purchases at workplace provide shops and on cellphone, landline, web and cable TV providers every account anniversary 12 months. As soon as you progress these factors over to your Sapphire Most popular, that brings your return to over 10%, based mostly on TPG’s Could 2025 valuations.
Who ought to wait to get the Chase Sapphire Most popular?
Nick Ewen, a senior editorial director at TPG, has made a compelling case for why the Chase Sapphire Most popular ought to be your first card. Sadly, not everybody can get this card, so let’s look at who ought to maintain off getting the Chase Sapphire Most popular.
The notorious 5/24 rule
Chase has a 5/24 rule to fight bank card churning and appeal to long-term prospects.
Merely put, you may be routinely rejected for any Chase playing cards — together with the Sapphire Most popular — if you happen to’ve opened 5 or extra playing cards within the final 24 months. If this is applicable to you, do not waste time making use of for the Sapphire Most popular — you will not qualify and can obtain a arduous inquiry in your credit score report.
Present Chase Sapphire cardholders
In the event you’ve obtained a sign-up bonus from one other Chase Sapphire card within the final 48 months, you will not be eligible for the present bonus on the Most popular:
This product isn’t accessible to both (i) present cardmembers of any Sapphire bank card or (ii) earlier cardmembers of any Sapphire bank card who obtained a brand new cardmember bonus within the final 48 months.
If this is applicable to you, you should not apply till you are outdoors this 48-month window.
Is Final Rewards the very best program for you?
As talked about earlier than, the Final Rewards program gives entry to a broad vary of airline and resort loyalty applications. Nevertheless, there are specific circumstances the place a kind of applications may not be best for you.
As an illustration, if you happen to dwell in an American Airways hub similar to Miami Worldwide Airport (MIA) or Charlotte Douglas Worldwide Airport (CLT) and primarily fly long-haul worldwide flights to Europe, you may not get nice worth out of British Airways Membership or Membership Iberia Plus, that are the one Oneworld switch companions in Final Rewards. Equally, if you happen to’re a die-hard Hilton loyalist, the flexibility to switch factors to Hyatt may not excite you that a lot.
Then again, I am a loyal American Airways flyer who’s by no means redeemed Final Rewards for inns, however I nonetheless discover immense worth in this system. Keep in mind, you’ll be able to all the time guide journey via Chase Journey and snag the 25% factors redemption bonus. So, analyze your journey habits and see if branching out might add worth to your factors and miles technique.
Associated: 6 simple methods I exploit to earn over 500,000 factors and miles a 12 months
Backside line
The Chase Sapphire Most popular is extremely really useful as a well-rounded rewards bank card for vacationers. It gives nice worth with an inexpensive annual charge of $95 and no overseas transaction charges. The cardboard’s sign-up bonus alone makes it a no brainer for the primary 12 months.
Moreover, the Chase Sapphire Most popular’s double factors on journey and eating, together with its priceless perks, similar to journey insurance coverage and automotive rental protection, make it a worthwhile alternative for any pockets into the second 12 months and past.
To be taught extra, learn our full overview of the Chase Sapphire Most popular.
Apply right here: Chase Sapphire Most popular Card
