Should you’ve spent any time round TPG, you recognize that the Chase Sapphire Preferred® Card (see rates and fees) is one among our most beloved playing cards.
We frequently advocate it as a terrific journey rewards card for beginners and journey rewards veterans alike for its stable incomes potential, glorious level redemption choices and comparatively low annual charge.
However should you’ve already listened to us and gotten the Chase Sapphire Most popular, your subsequent card choice may appear extra daunting and sophisticated. In actuality, there are quite a lot of actually good card choices to take you to the subsequent section of your factors and miles journey. It is onerous to make a nasty selection so long as you retain a number of issues in thoughts.
Let’s break down the three main faculties of thought on which card you need to get to pair together with your trusty Sapphire Most popular that can assist you resolve which strategy is finest for you.
Three approaches
Your choices fall into three classes:
There is no such thing as a single proper reply that applies to everybody, so you will wish to think about your personal scenario to find out which makes probably the most sense. Take into consideration what bonus classes you usually spend in, what loyalty packages you like and whether or not you wish to concentrate on Chase earlier than going over 5/24.
Associated: The power of the Chase Trifecta
Choice 1: A card to earn further Final Rewards factors
This can be a nice selection should you like Chase’s switch companions and wish to earn as many Chase Ultimate Rewards points as potential to your dream journey.
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With one of many Chase Freedom cards, you’ll be able to maximize your spending classes to earn much more of those factors out of your on a regular basis spending.
On their very own, the Chase Freedom Unlimited® (see rates and fees) and Chase Freedom Flex® are marketed as cash-back playing cards.
Should you even have the Chase Sapphire Preferred, although, you can combine your rewards and switch them to the complete vary of Chase’s switch companions.
If you end up able to juggle a number of playing cards however wish to preserve incomes Chase Final Rewards factors, you need to use all three playing cards (Sapphire Most popular, Freedom Limitless and Freedom Flex) to maximise your Final Rewards-earning potential on all your purchases. TPG bank cards editor Olivia Mittak makes use of this technique to maximise the quantity of Final Rewards she earns.
Simply you should definitely time your applications carefully to maximise your approval probabilities.
The knowledge for the Chase Freedom Flex has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Chase Freedom Limitless
Annual charge: $0
Welcome bonus: Earn $200 money again after spending $500 within the first three months of account opening.
Rewards fee: With the Freedom Limitless, you will earn:
- 5% money again on journey booked by way of Chase Journey℠
- 3% again on eating
- 3% again on drugstores
- 1.5% again on all different purchases
Why this card pairs properly: This card is great to pair together with your Chase Sapphire Most popular as a result of it earns 1.5% (or factors per greenback spent) on all purchases, which is 50% greater than the Sapphire Most popular (1 level per greenback spent on purchases exterior of its bonus classes).
Even with our personal extra superior card portfolios, it is a card TPGers attain for occasionally. It permits us to earn an honest return on purchases that do not fall beneath most bonus classes, similar to auto repairs and specialty gadgets. With its present welcome bonus, it’ll make sense for many Chase Sapphire Most popular cardholders.
To be taught extra, try our full review of the Freedom Unlimited.
Apply right here: Chase Freedom Unlimited
Chase Freedom Flex
Annual charge: $0
Welcome bonus: This card is presently closed to digital candidates, however potential cardholders might be able to apply and obtain a welcome provide in-branch.
Rewards fee: The Freedom Flex earns:
- 5% money again on as much as $1,500 in mixed purchases in bonus classes every quarter you activate
- 5% again on journey booked by way of Chase Journey
- 3% again on drugstore purchases
- 3% again on eating
- 1% again on all different purchases
Why this card pairs properly: With this card, you will get 5% money again (or 5 factors per greenback spent) on qualifying purchases in service provider classes and at particular retailers that change every quarter (on as much as $1,500 of spending every quarter).
For instance, through the third quarter of 2025 (July 1 by way of Sept. 30), the bonus classes are electrical automobile charging stations, gasoline stations, Instacart and choose dwell leisure. Activation required.
This card provides you an effective way to earn extra Chase Final Rewards factors on completely different spending classes.
To be taught extra, try our full review of the Chase Freedom Flex.
Choice 2: A card to earn further factors with a Chase switch accomplice
Should you constantly switch your Chase Final Rewards to a selected switch accomplice, like United MileagePlus or World of Hyatt, you need to think about a cobranded card to maximise your points-earning potential. A cobranded card may even present advantages related to that particular accomplice, like free checked luggage or complimentary lodge elite standing.
United Quest Card
Annual charge: $350
Welcome bonus: Earn 100,000 bonus miles and three,000 Premier qualifying factors after spending $4,000 on purchases within the first three months of account opening.
Based on TPG’s July 2025 valuations, this welcome provide is price $1,300.
Rewards fee: With the United Quest℠ Card (see rates and fees), you will earn:
- 8 miles per greenback spent on United flights
- 5 miles per greenback spent once you prepay for a reserving by way of Famend Lodges and Resorts for United Cardmembers
- 3 miles per greenback spent on different eligible United Airways purchases
- 2 miles per greenback spent on all different journey, eating and choose streaming providers
- 1 mile per greenback spent on all different purchases
Why this card pairs properly: Since United is one among Chase’s Most worthy journey companions, this card will drastically enhance the worth you obtain once you switch your Final Rewards factors to United. For instance, when you have got a United Quest card, your miles will go a lot additional because of the additional award availability offered to all United cardholders.
Plus, the present 100,000-mile bonus on the United Quest is the best offer we’ve seen in the card’s history. This card final provided 100,000 miles throughout its 2021 launch, and the spending requirement was a lot larger then.
You may additionally obtain a free first and second checked bag for your self and a companion, and precedence boarding. Different advantages embrace two 10,000-mile award flight reductions (one after each card anniversary and one other you’ll be able to earn after spending $20,000 on purchases every calendar 12 months), 25% again on United inflight purchases and an as much as $120 Global Entry, TSA PreCheck or Nexus software charge credit score.
An computerized annual $200 in United TravelBank Money may even assist take the sting out of this card’s $350 annual charge.
The United Quest card gives elitelike advantages you’ll be able to take pleasure in whereas taking the journeys you’ve got redeemed together with your Final Rewards. Should you fly United frequently, it is a nice card so as to add to your pockets.
To be taught extra, try our full review of the United Quest card.
Apply right here: United Quest Card
World of Hyatt Credit score Card
Annual charge: $95
Welcome bonus: Earn two free nights after spending $4,000 on purchases within the first three months of account opening. Plus, earn 25,000 bonus factors after spending $12,000 on purchases within the first six months of account opening.
Based on TPG’s July 2025 valuations, the factors on this welcome provide are price $425.
Rewards fee: The World of Hyatt Credit Card (see rates and fees) earns:
- 4 factors per greenback spent at Hyatt properties
- 2 factors per greenback spent at eating places
- 2 factors per greenback spent on airline tickets bought instantly from the airline, native transit and commuting and health membership and health club memberships
- 1 level per greenback on all different purchases
Why this card pairs properly: The World of Hyatt program is definitely probably the most priceless lodge switch accomplice provided by Final Rewards, so you will wish to take pleasure in as many perks as potential when redeeming your rewards for stays at Hyatt.
You may obtain Hyatt Discoverist status for so long as your account is open and 5 qualifying night time credit towards your subsequent standing tier yearly. Plus, you’ll be able to earn two further qualifying night time credit each time you spend $5,000 in your card, making it a lot simpler to achieve the subsequent tier of elite standing even should you’re not on the street continually.
One other in style profit on this card is the annual free night you obtain after your cardmember anniversary (legitimate at any Class 1-4 Hyatt lodge or resort), in addition to a further free night time at any Class 1-4 Hyatt lodge or resort should you spend $15,000 in a calendar 12 months.
All that mentioned, this card’s present welcome provide is just not one of the best. We advocate ready for a greater provide earlier than making use of.
To be taught extra, try our full review of the World of Hyatt card.
Apply right here: World of Hyatt Credit Card
Choice 3: A card that diversifies your rewards
Suppose you are feeling able to enterprise into one other issuer’s loyalty program. In that case, you will wish to open a card that can construct you one other set of transferable rewards. Listed below are some nice selections:
American Categorical Gold Card
Annual charge: $325 (see rates and fees)
Welcome bonus: New cardmembers can discover out their provide and see if they’re eligible for as excessive as 100,000 bonus factors after spending $6,000 on purchases throughout the first six months of card membership. Welcome gives range, and also you might not be eligible for a suggestion.
Based on TPG’s July 2025 valuations, this welcome provide is price as a lot as $2,000.
Rewards fee: With the American Express® Gold Card, you’ll be able to earn:
- 4 factors per greenback spent on eating at eating places worldwide (as much as $50,000 per calendar 12 months; then 1 level per greenback)
- 4 factors per greenback spent at U.S. supermarkets (as much as $25,000 per calendar 12 months; then 1 level per greenback)
- 3 factors per greenback spent on flights booked instantly with the airline or on amextravel.com
- 2 factors per greenback spent on pay as you go inns and different eligible purchases on amextravel.com
- 1 level per greenback spent on all different purchases.
Why this card pairs properly: The Sapphire Most popular would not provide bonus rewards for grocery purchases (aside from on-line groceries), so this is a wonderful card to make use of at U.S. supermarkets.
The Amex Gold additionally gives quite a lot of assertion credit geared towards foodies each calendar 12 months to assist offset its $325 annual charge. Enrollment is required for choose advantages; phrases apply.
Most significantly, you will diversify your rewards portfolio by getting access to American Express Membership Rewards. Amex’s loyalty program consists of switch companions that Chase would not have, similar to Hilton Honors, Delta SkyMiles, ANA Mileage Club and Qantas Frequent Flyer.
To be taught extra, try our full review of the Amex Gold.
Apply right here: American Express Gold Card
Capital One Enterprise Rewards Credit score Card
Annual charge: $95
Welcome bonus: Earn 75,000 bonus miles after spending $4,000 on purchases throughout the first three months of account opening.
Based on TPG’s July 2025 valuations, this welcome provide is price $1,388.
Rewards fee: With the Capital One Venture Rewards Credit Card, you will earn:
- 5 miles per greenback spent on inns, trip leases and rental automobiles booked by way of Capital One Journey
- 2 miles per greenback spent on all different purchases
Why this card pairs properly: The Sapphire Most popular has unbelievable switch companions, however it may’t account for all journey purchases. That is the place the Enterprise Rewards can are available. The miles you earn out of your Capital One Enterprise Rewards could be redeemed for statement credits towards practically any journey buy.
The Enterprise Rewards lets you switch your miles to 15-plus airline and hotel programs, together with some companions that Chase would not have.
Worthwhile additions embrace Wyndham Rewards, Turkish Airlines Miles&Smiles and Choice Privileges. You even have entry to some shared switch companions like British Airways Club, so pairing the Enterprise Rewards with the Sapphire Most popular might speed up your potential earnings with these packages.
This card additionally gives as much as $120 as a World Entry or TSA PreCheck software charge credit score.
To be taught extra, try our full review of the Venture Rewards.
Be taught extra: Capital One Venture Rewards Credit Card
Citi Strata Premier Card
Annual charge: $95
Welcome bonus: Earn 60,000 bonus factors after spending $4,000 in purchases throughout the first three months of account opening.
Based on TPG’s July 2025 valuations, this welcome provide is price $1,110.
Rewards fee: The Citi Strata Premier® Card (see rates and fees) earns ThankYou factors on the following charges:
- 10 factors per greenback spent on inns, automobile leases and sights (excluding air journey) once you guide by way of CitiTravel.com
- 3 factors per greenback spent at eating places, supermarkets, gasoline stations and EV charging stations
- 3 factors per greenback spent on air journey and different lodge purchases made exterior CitiTravel.com
- 1 level per greenback spent on all different purchases
Why this card pairs properly: The Citi ThankYou Rewards program gives a number of switch companions that Chase would not, similar to Qatar Airways Privilege Membership, Etihad Visitor and Turkish Airways Miles&Smiles. It additionally gives priceless bonus-earning charges at supermarkets and gasoline stations, which the Sapphire Most popular would not.
This card additionally comes with a lodge financial savings profit price $100 off a $500 or extra single lodge keep (excluding taxes and charges) as soon as every calendar 12 months. Nevertheless, that keep should be booked by way of Citi’s journey portal, limiting its utility to some extent.
To be taught extra, try our full review of the Citi Strata Premier.
Apply right here: Citi Strata Premier Card
Backside line
The Chase Sapphire Preferred Card is great by itself, however it’s even higher when paired with different playing cards. Whether or not you wish to concentrate on incomes extra Chase Final Rewards factors, construct out your stash of factors or miles with one among Chase’s switch companions or diversify into one other set of transferable rewards, you have got nice choices accessible to you.
No matter your selection, you will construct on the data you’ve got obtained by way of the Sapphire Most popular and take one other step towards paying to your subsequent dream journey with factors and miles.
Associated: How I chose my next credit card with help from fellow TPGers
For charges and charges of the Amex Gold Card, click on here.
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