Being a factors and miles fanatic means I’ve a drawer stuffed with bank cards. Selecting which playing cards to hold in my pockets could be a daunting job at instances. Nevertheless, one card will at all times have a slot in my pockets: the Chase Sapphire Most popular® Card (see charges and costs).
The Sapphire Most popular was topped the Finest Journey Rewards Credit score Card on the 2024 TPG Awards for the seventh 12 months in a row. So, it is no surprise TPG staffers rank this as certainly one of their favourite bank cards.
New Sapphire Most popular cardholders can earn a limited-time, highest-ever welcome provide of 100,000 bonus factors after spending $5,000 on purchases within the first three months of account opening. Primarily based on TPG’s April 2025 valuations, this provide is price $2,050.
Here is why the Sapphire Most popular will at all times keep in my pockets.
Strong incomes charges
Probably the most engaging function of the Sapphire Most popular for me is its excessive earnings charges in a large number of classes:
- 5 factors per greenback on resorts and automobile leases booked by means of Chase Journey℠
- 5 factors per greenback on eligible Lyft rides (by means of Sept. 30, 2027)
- 5 factors per greenback spent on Peloton tools 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
Eating is the largest spending class on my playing cards. The American Categorical® Gold Card is my go-to card for eating at eating places worldwide due to its 4 factors per greenback incomes fee (on as much as $50,000 in purchases per calendar 12 months, then 1 level per greenback).
Nevertheless, as a global foodie, I typically discover myself at many hole-in-the-wall eating places that do not settle for Amex. That’s the place my Sapphire Most popular turns out to be useful with its 3 factors per greenback incomes fee on eating. The Sapphire Most popular is on the Visa community, so I by no means fear about acceptance.
Moreover, I like the two factors per greenback this card earns on journey booked outdoors of Chase Journey. Chase defines journey very broadly, and the commonest journey purchases I make — equivalent to ride-hailing, parking and public transit — code as journey.
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Lyft is my ride-hailing app of selection. I take at the least 10 Lyfts on common per 30 days, so incomes 5 factors per greenback spent on rides with no cap helps me rack up Chase Final Rewards factors (by means of Sept. 30, 2027).
Associated: One of the best playing cards for worldwide journey
Versatile factors
One other main purpose to hold the Sapphire Most popular is so you’ll be able to earn Final Rewards factors. Cardholders can redeem these factors by means of Chase Journey at 1.25 cents per level or switch them to certainly one of Chase’s 14 lodge and airline companions.
Personally, I do not redeem by means of Chase Journey since my factors’ worth is considerably increased after I use switch companions.
Not too long ago, I redeemed 30,000 Final Rewards factors by transferring them to World of Hyatt for a two-night keep on the Hyatt Centric Dublin the Liberties in Dublin over St. Patrick’s Day weekend when money charges had been operating over $450 per evening.
Associated: How a lot are Chase Final Rewards factors price?
Useful assertion credit
The Sapphire Most popular comes with a useful annual $50 lodge credit score while you e-book by means of Chase Journey.
I do not usually suggest reserving a lodge by means of an on-line journey company like Chase Journey since reserving immediately with the lodge is often greatest. That manner, you’ll be able to earn factors with that model’s loyalty program.
Nevertheless, I like to recommend it while you’re overseas in cities the place the resorts you are considering are usually not a part of any main loyalty program.
Two years in the past, I used the lodge credit score for one evening on the Canzi Cataratas Lodge close to Brazil’s Iguazu Falls. Final 12 months, I used the credit score for one evening at a boutique lodge in Morocco.
Neither of those resorts was connected to a loyalty program, so I had no drawback reserving by means of Chase Journey. These resorts had been a bit greater than $50 an evening, so the annual credit score successfully netted me near a free evening every time.
Associated: 6 the reason why you must e-book immediately with an airline or lodge
Stackable Chase Affords
Chase sends focused gives to cardholders, which means these gives range relying on the cardholder. I typically see gives equivalent to further factors or money again at retailers and eating places I frequent.
These focused gives on the Sapphire Most popular are additionally stackable with the cardboard’s bonus earnings and with procuring portals.
Associated: Earn bonus miles with these airline portal promotions
Helpful advantages
The Sapphire Most popular features a handful of advantages that I take advantage of steadily. These embrace a complimentary DoorDash DashPass membership (activate by Dec. 31, 2027).
The DashPass membership may be very beneficial to me as I order meals at the least as soon as a month, and DashPass waives the supply payment.
This card additionally has no overseas transaction charges and quite a few journey protections, which may help me in case my plans go awry. That is important for me as a frequent worldwide traveler.
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Low annual payment
Many playing cards with comparable advantages and earnings charges have excessive annual charges. This makes the Sapphire Most popular stand out with its annual payment of simply $95. Its advantages, assertion credit and talent to earn Final Rewards factors present sufficient worth to simply outweigh its annual payment.
Backside line
The Sapphire Most popular is a bank card that can at all times be in my pockets. With its glorious incomes charges and no overseas transaction charges, it is the proper journey companion for avid worldwide vacationers like myself.
Most significantly, the Sapphire Most popular earns a versatile rewards foreign money within the type of Chase Final Rewards factors, which permits me to leverage switch companions to maximise my redemption worth.
To be taught extra, learn our full assessment of the Chase Sapphire Most popular.
Apply right here: Chase Sapphire Most popular
