The Chase Sapphire Most popular® Card (see charges and costs) is usually hailed because the finest starter card for journey rewards — the primary card that learners to factors and miles ought to get. And with good purpose.
Nevertheless, it is not only a card for newbies. Even the extra intermediate and superior factors and miles collectors usually have this card of their wallets.
Since this card’s present welcome bonus enables you to earn 100,000 bonus factors after spending $5,000 on purchases within the first three months of account opening, it is much more useful.
Listed here are six causes you may want the Sapphire Most popular, even in case you’re not a beginner.
Earn the welcome bonus greater than as soon as
Some extra skilled factors and miles collectors assume they will run into roadblocks with Chase’s eligibility guidelines. So long as you meet the next eligibility necessities, you’ll be able to earn a Sapphire Most popular welcome bonus:
- You have to be beneath 5/24, that means you need to have had not more than 5 new bank cards (throughout all issuers) up to now 24 months.
- You may’t have acquired a bonus on a Sapphire card within the previous 48 months.
- You could not at present have any Sapphire playing cards open.
This eliminates many individuals who would in any other case wish to apply for the Sapphire Most popular. Nevertheless, as an instance the Sapphire Most popular was one in every of your earliest playing cards and that you simply acquired the welcome bonus, redeemed your entire factors and closed or downgraded your card.
If it has been greater than 48 months because you final acquired the bonus, you may get it once more — so long as you fall beneath Chase’s 5/24 rule of getting fewer than 5 new bank cards up to now 24 months.
Bear in mind, your 48-month clock begins while you obtain the bonus, not while you apply or shut the cardboard.
Every day E-newsletter
Reward your inbox with the TPG Every day publication
Be part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
The 48-month rule is one constructive for Chase in comparison with American Categorical, whose once-per-lifetime restriction limits you from receiving a bonus on the identical card once more generally.
Fast points-earning
Whereas it is essential to maximise your on a regular basis spending, incomes welcome bonuses on new playing cards is likely one of the best methods to amass quite a lot of factors shortly.
In simply three months (or much less, relying on how briskly you’ll be able to spend $5,000), you will doubtlessly have sufficient factors for journey experiences comparable to:
- Three round-trip flights from the West Coast to Hawaii utilizing British Airways Avios
- 4 nights (at off-peak or normal charges) on the Grand Hyatt Baha Mar utilizing World of Hyatt factors
- A one-way Turkish Airways flight to Europe utilizing Aeroplan factors
Alternatively, in case you e-book straight via Chase Journey℠, you will nonetheless get a ton of worth in journey. With the Sapphire Most popular, your factors are value 1.25 cents per level when redeemed via Chase Journey. That is not as a lot as your factors may be value through switch companions, however it’s a strong worth for a easy redemption methodology.
Associated: Find out how to redeem Chase Final Rewards factors for max worth
Switch associate alternatives
Lots of Chase’s finest playing cards are marketed as cash-back playing cards, together with the Chase Freedom Flex® (see charges and costs), Chase Freedom Limitless® (see charges and costs) and the Ink Enterprise Money® Credit score Card (see charges and costs).
Nevertheless, when you’ve got any of these playing cards with out additionally having an Final Rewards-earning card, your rewards are basically simply legitimate for money again. Which means you miss out on the most effective good thing about the Final Rewards program: the switch companions.
To switch your Final Rewards factors to any of its airline and lodge companions, you need to have a mid-tier or premium card such because the Chase Sapphire Reserve® (see charges and costs), Chase Sapphire Most popular or Ink Enterprise Most popular® Credit score Card (see charges and costs).
Perhaps you do not take care of the $550 annual price of the Sapphire Reserve, or you do not need or want a enterprise bank card (although aspect gigs and freelancing do meet the {qualifications} for approval). That leaves the Sapphire Most popular as your finest guess for a mid-tier card that permits you to switch your factors.
Little to no studying curve
Generally, folks new to factors and miles apply for bank cards with out understanding this system’s intricacies or redeem factors. Many newbies might redeem the bonus factors from the Sapphire Most popular straight via Chase Journey, which values the factors at 1.25 cents.
Now, there’s not essentially something flawed with that strategy. In spite of everything, it is lots of of {dollars} value of journey you would not have had in any other case.
Nevertheless, in accordance with TPG’s April 2025 valuations, Final Rewards factors are value 2.05 cents every, greater than the worth you will get from utilizing your factors in Chase Journey. Fortunately, the training curve for transferring your Final Rewards companions is not steep, permitting you to get most worth to your factors.
That is nice information in case you’re already deep into one other issuer’s rewards program and are apprehensive about moving into one other one.
Associated: From worldwide enterprise class to home hops: 6 of the most effective Chase Final Rewards candy spots
No overseas transaction charges
In case you journey internationally even yearly, having a card with no overseas transaction charges in your pockets is vital to keep away from paying extra to your purchases.
The Chase Sapphire Most popular meets that want. Because it earns 3 factors per greenback on eating and a pair of factors per greenback on journey purchases made outdoors of Chase Journey, it is going to probably be closely used while you’re outdoors the US.
Associated: Overseas transaction charges: All the things you have to know
Journey and insurance coverage advantages
We view journey protections and rental automotive insurance coverage as advantages which can be good to have, however we hope we do not have to make use of them. Nonetheless, the Sapphire Most popular can provide you peace of thoughts with quite a lot of insurance coverage advantages. These embrace:
Even utilizing your Final Rewards factors or paying the taxes on an award flight qualifies for protection.
With airline meltdowns occurring extra incessantly, resulting in delayed or canceled flights, it is essential to have a card with these advantages.
Backside line
The present welcome bonus on the Chase Sapphire Most popular permits new cardholders to earn 100,000 bonus factors after spending $5,000 on purchases within the first three months of account opening. In case you’re an intermediate or superior level and miles collector, you could have written off this card as being just for learners.
However in case you do not at present have the cardboard and also you meet Chase’s utility restrictions, it is a card you need to extremely think about including (or including once more in case you’ve had it up to now) to your lineup.
To be taught extra, try our full evaluate of the Sapphire Most popular.
Apply right here: Chase Sapphire Most popular
