Chase Final Rewards factors have lengthy boasted considered one of our highest valuations, as you possibly can redeem this transferable forex with 14 helpful journey companions, together with Hyatt, Southwest and United.
Based on TPG’s December 2024 valuations, the Chase Sapphire Most popular® Card and Chase Sapphire Reserve’s® sign-up bonuses at the moment present $1,230 in worth, so there’s good purpose to have an interest on this rewards program.
On this submit, we’ll go excessive 5 playing cards to think about if you would like to spice up your account stability as you look towards your subsequent journey.
Associated: 6 straightforward methods I exploit to earn over 500,000 factors and miles a 12 months
Chase Sapphire Most popular Card
The Chase Sapphire Most popular Card is a well-liked mid-tier journey rewards card.
Finest for: Most vacationers, because of an affordable $95 annual payment and a terrific sign-up bonus.
Incomes charge: 5 factors per greenback on Lyft rides (by March 2025) and journey bought by Chase Journey℠, 3 factors on eating, together with eligible supply providers, takeout and eating out, 3 factors on choose streaming providers, 3 factors on on-line grocery purchases (excluding Goal, Walmart and wholesale golf equipment), 2 factors on all different journey and 1 level on all different purchases
Signal-up bonus: Earn 60,000 Final Rewards factors after spending $4,000 on purchases within the first three months of account opening. Based on TPG’s December 2024 valuations, this bonus is value $1,230.
Annual payment: $95
Each day Publication
Reward your inbox with the TPG Each day e-newsletter
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s consultants
Why we prefer it: The Chase Sapphire Most popular nabs the highest spot on this listing, because it provides top-of-the-line sign-up bonuses of any private Chase card on the market. This card has infinite award journey alternatives; for instance, you should utilize your factors to e-book any journey by Chase Journey℠ at a 25% level redemption increase (or 1.25 cents every). To squeeze extra worth, switch your factors to Chase’s loyalty companions to land that dream business-class flight or luxurious lodge keep on a lovely island.
You will additionally earn 2 factors per greenback on journey and three factors on eating. Whereas eating is pretty simple, Chase counts many purchases as journey spending, from airfare and lodge stays to Uber rides and parking charges.
To be taught extra, learn our full evaluation of the Chase Sapphire Most popular.
Associated: Who ought to (and should not) get the Chase Sapphire Most popular?
Apply right here: Chase Sapphire Most popular
Chase Sapphire Reserve
The Chase Sapphire Reserve is Chase’s prime common journey rewards card.
Finest for: Getting the utmost return on journey and eating purchases and having fun with further perks (equivalent to a $300 annual journey credit score), making it worthy of a $550 annual payment.
Incomes charge: 10 factors per greenback on Lyft rides (by March 2025) and accommodations and automobile leases by Chase Journey℠, 5 factors on flights by Chase Journey℠, 3 factors on journey and eating and 1 level on every thing else
Signal-up bonus: Earn 60,000 bonus factors after spending $4,000 on purchases within the first three months from account opening, value as much as $1,230, in keeping with TPG’s December 2024 valuations.
Annual payment: $550
Why we prefer it: The Chase Sapphire Reserve card has probably the most beneficiant ongoing rewards charges for journey and eating purchases. Much like the Sapphire Most popular, the board definition of eating and journey is a good way to rack up rewards on a plethora of purchases. Based mostly on TPG’s December 2024 valuations, 3 factors per greenback equals simply over 6% return. For TPG bank card author Danyal Ahmed, the Sapphire Reserve has been a mainstay in his pockets since its launch in 2016.
For points-earning potential, the Reserve is the clear winner between it and the Sapphire Most popular. Your factors are value 1.5 cents every when reserving journey by Chase Journey℠. Nonetheless, the Most popular continues to be an ideal selection when you do not need to pay the $550 annual payment.
To be taught extra, learn our full evaluation of the Chase Sapphire Reserve.
Associated: Is the Chase Sapphire Reserve well worth the annual payment?
Apply right here: Chase Sapphire Reserve
Chase Freedom Flex
The Chase Freedom Flex® is a well-liked cash-back rewards card.
Finest for: Quarterly bonus class spending that pairs nicely with one other Final Rewards card.
Incomes charge: 5% on as much as $1,500 in bonus classes every quarter you activate, 5% on journey bought by Chase Journey℠, 3% on eating and drugstores and 1% on every thing else
Signal-up bonus: Earn $200 money again after spending $500 on purchases within the first three months from account opening.
Annual payment: $0
Why we prefer it: The Chase Freedom Flex is a robust rewards card with strong earnings in a number of classes. In the event you maintain the Sapphire Reserve, Sapphire Most popular or the Ink Enterprise Most popular® Credit score Card, you possibly can pool your rewards collectively as Final Rewards factors that will help you attain that dream journey even sooner.
In the event you max out your purchases in every quarter’s eligible 5% bonus classes, you’ll earn 30,000 Final Rewards factors every year — value $615 primarily based on TPG’s December 2024 valuations.
The $200 sign-up bonus is equal to incomes 20,000 factors, so opening this card is a straightforward method to increase your stability of Final Rewards factors shortly.
To be taught extra, learn our full evaluation of the Chase Freedom Flex.
Associated: Why I received the Chase Freedom Flex and the way I am getting max money again this quarter
Apply right here: Chase Freedom Flex
Chase Freedom Limitless
The Chase Freedom Limitless® is one other common money again rewards card.
Finest for: All different non-rotating class spending that pairs nicely with one other Final Rewards card.
Incomes charge: 5% on journey bought by Chase Journey℠, 3% on eating (together with takeout eligible supply providers) and drugstores and 1.5% on every thing else.
Signal-up bonus: Earn a further 1.5% money again on all purchases (as much as $20,000 spent within the first 12 months).
Annual payment: $0
Why we prefer it: To not be confused with the Freedom Flex, the Chase Freedom Limitless has an easier incomes scheme. You will earn 5% again on journey by Chase Journey℠, 3% on eating and drugstores and a flat 1.5% again on all different purchases.
For frequent non-category bills, from medical payments to haircuts, relaxation assured that you’re going to earn 1.5% again. The Freedom Limitless’s money again rewards may also be transferred to a different Final Rewards card for use as factors for journey.
To be taught extra, learn our full evaluation of the Freedom Limitless.
Associated: The facility of the Chase Trifecta: Sapphire Reserve, Ink Most popular and Freedom Limitless
Apply right here: Chase Freedom Limitless
Ink Enterprise Most popular Credit score Card
The Ink Enterprise Most popular® Credit score Card is considered one of Chase’s best-value enterprise playing cards.
Finest for: Enterprise spending at workplace provide shops, promoting, utilities and journey.
Incomes charge: 3 factors per greenback on the primary $150,000 spent on mixed journey, delivery purchases, promoting purchases with social media websites and search engines like google and yahoo and web, cable and cellphone providers every account anniversary 12 months, 1 level on every thing else
Signal-up bonus: Earn 90,000 bonus factors after spending $8,000 on purchases within the first three months from account opening. Based mostly on TPG’s December 2024 valuations, 90,000 Final Rewards factors are value $1,845.
Annual payment: $95
Why we like it: Whether or not you are a enterprise proprietor, freelancer or different sole proprietor, take into account making use of for the Chase Ink Enterprise Most popular card. With the sign-up bonus of any Chase Final Rewards card (each private and enterprise), this could possibly be an ideal card for incomes an unlimited variety of factors. Just like the Sapphire Most popular, the Ink Enterprise Most popular provides a 25% level redemption increase when reserving journey by Chase Journey℠.
Be sure to can maximize this card’s bonus classes, as you may earn 3 factors per greenback. Earlier than you pull the set off and join this card, bear in mind that there is a excessive spending requirement to earn this sign-up bonus. In the event you’re a enterprise proprietor with decrease bills, you possibly can go for considered one of Chase’s no-annual-fee enterprise playing cards as an alternative.
To be taught extra, learn our full evaluation of the Ink Enterprise Most popular.
Associated: 5 causes to get the Ink Enterprise Most popular card
Apply right here: Chase Ink Enterprise Most popular
Chase bank card utility restrictions
Earlier than you apply for all the Chase playing cards listed above, remember to be aware of Chase’s 5/24 rule. This principally states that you’re going to be denied any Chase card when you’ve opened 5 or extra bank cards (from any issuer) within the final 24 months. Word that opening a Chase enterprise card should not add to your 5/24 standing, however you may typically should be under 5/24 to qualify for many Chase enterprise playing cards.
Moreover, there are sign-up bonus restrictions on the Sapphire and Freedom playing cards.
In brief, you will not obtain a sign-up bonus when you’re a present Sapphire cardmember or have obtained a sign-up bonus from a Sapphire card prior to now 48 months. This implies you possibly can’t personal the Most popular proper now and likewise get the bonus from the Reserve.
For the Freedom playing cards, you possibly can’t at the moment maintain the cardboard you need to get a sign-up bonus for, and you may’t have obtained that card’s sign-up bonus prior to now 24 months.
It is necessary to recollect these restrictions when constructing your bank card portfolio — you may need to be strategic about which card you open first.
Associated: The last word information to bank card utility restrictions
Backside line
If incomes Final Rewards factors is a key a part of your factors and miles technique, these are our prime 5 choices for accumulating a big stash of rewards. Realizing when to make use of which card will be sure that you are maximizing your earnings. Lastly, when you earn a card’s sign-up bonus, you may be beginning off sturdy with tons of rewards on your travels.
Associated: The very best Chase playing cards
