Chase Sapphire Most popular Card overview
The Chase Sapphire Preferred® Card (see rates and fees) is without doubt one of the hottest travel rewards credit cards. It’s a wonderful selection for many who need extra worth from their travels however don’t want lounge entry. That is one in all our favourite playing cards to advocate to individuals who love journey. Card score*: ⭐⭐⭐⭐½
*Card rating is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
At TPG, one of the crucial frequent questions we get requested is, “Which journey bank card ought to I begin with?”
We virtually universally advocate the Chase Sapphire Most popular Card as a result of it earns invaluable factors, provides helpful advantages and has a low, cheap $95 annual price.
Designed for frequent and informal vacationers, it’s an particularly sensible choice for newbie and intermediate vacationers. Many people started our journey into factors and miles with this card.
TPG recommends a credit score of not less than 670 to qualify for this card; nonetheless, it’s not remarkable for somebody to be permitted with a decrease rating.
Right here’s what it’s essential know in regards to the Sapphire Most popular in case you’re eager about including it to your pockets.
Chase Sapphire Most popular execs and cons
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Chase Sapphire Most popular welcome provide
New Chase Sapphire Preferred Card holders can earn 75,000 bonus factors after spending $5,000 on purchases within the first three months from account opening.
That is greater than the standard bonus on this card.
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If you happen to switch your factors to one in all Chase’s airline or lodge companions, the value of this bonus is as much as $1,538, based on our December 2025 valuations.
Make certain that you’re below Chase’s 5/24 rule to be eligible for the welcome bonus. Which means you haven’t opened 5 or extra private bank cards throughout all banks within the final two years.
Chase allows you to maintain a number of Sapphire playing cards, however earning a welcome bonus is strict and sometimes restricted to as soon as per card. You’ll see a pop-up through the software telling you upfront whether or not you’re eligible for the bonus.
Associated: Who should (and shouldn’t) get the Chase Sapphire Preferred?
Chase Sapphire Most popular advantages
Along with the welcome bonus, there are lots of interesting perks to being a Sapphire Preferred Card holder.
You’ll obtain an announcement credit score of as much as $50 on hotel stays booked by means of Chase Travel℠ upon opening the cardboard and on every account anniversary thereafter. (It’s robotically utilized to your account annually while you make an eligible cost. Observe, nonetheless, that the $50 credit score doesn’t earn Chase Ultimate Rewards factors.)
Cardholders additionally take pleasure in a ten% anniversary points bonus annually. This bonus is predicated in your whole spending through the account anniversary 12 months at a price of 1 level for every $10 spent. So, in case you spend $30,000 in your card throughout your cardholder 12 months, you’ll obtain 3,000 bonus factors on the finish of the 12 months.
You’ll additionally get not less than one 12 months of complimentary DoorDash DashPass membership, which incorporates free supply and lowered service charges on eligible purchases (activate by Dec. 31, 2027). It is a invaluable profit in case you already use DoorDash.
Sapphire Most popular Card holders with an activated DashPass membership can get $10 every month towards nonrestaurant purchases on DoorDash, which is an effective way to avoid wasting on a fast comfort retailer buy.
Lastly, the Sapphire Most popular is a perfect selection for journey bookings, comparable to flights, inns and cruises. That’s as a result of it comes with complete travel protections, together with:
It additionally consists of purchasing advantages like:
Associated: 7 Chase Sapphire Preferred benefits you might not know about
Incomes factors with the Chase Sapphire Most popular
The Chase Sapphire Preferred has a profitable incomes construction that’s straightforward to maximise. You will earn:
- 5 factors per greenback spent on journey booked by means of Chase Journey (excluding the $50 lodge credit score)
- 5 factors per greenback spent on Lyft purchases (by means of Sept. 30, 2027)
- 5 factors per greenback spent on Peloton gear and accent purchases of $150 or extra (by means of Dec. 31, 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*
- 2 factors per greenback spent on all different journey not booked by means of Chase Journey
- 1 level per greenback spent on every little thing else
*The elevated incomes price for on-line grocery retailer purchases excludes Goal, Walmart and wholesale golf equipment.
These are among the highest incomes charges accessible, particularly because you’re incomes invaluable Chase Final Rewards factors. That mentioned, there are playing cards on the market that earn extra factors per greenback spent on dining and groceries.
Associated: Is the Chase Sapphire Preferred worth the annual fee? I say yes
Redeeming factors with the Chase Sapphire Most popular
Whenever you redeem the factors you’ve earned with the Chase Sapphire Preferred, you’ll see how the cardboard shines.
The perfect different to transferring to companions (defined within the subsequent part) is to make use of your factors to guide flights, lodging and automotive leases by means of Chase Journey — all at a price of as much as 1.75 cents per level, relying on the precise redemption (see your rewards program settlement for full particulars).
Which means you don’t want to fret about blackout dates or discovering award area; you’ll all the time have the choice to guide journey utilizing your factors. So long as a seat on a flight or a lodge room is obtainable, you may pay for it along with your factors.
It’s also possible to redeem your factors for money again or present playing cards (at a price of 1 cent per level) or for a barely greater worth while you reap the benefits of Chase’s Pay Yourself Back choice.
Nonetheless, these redemption choices are much less invaluable than transferring your factors to Chase’s journey companions, so we advocate avoiding them every time attainable.
Associated: Chase Ultimate Rewards sweet spots: From international business class to domestic travel
Transferring factors with the Chase Sapphire Most popular
One of the simplest ways to get most worth out of your Chase factors is to switch them to one in all Chase’s 10 airline or three hotel partners. A few of our favorites embrace World of Hyatt for luxurious lodge stays and Air Canada Aeroplan, Air France-KLM Flying Blue and British Airways Club for comfy flights.
Chase often runs transfer bonus promotions the place you may rise up to 50% extra factors or miles while you convert your factors.
For instance, TPG contributing editor Matt Moffitt frequently transfers factors to Hyatt, reserving inns in Europe for as few as 3,500 factors per night time through the summer season.
Utilizing switch companions for aspirational journey is a stable approach to maximize your Final Rewards factors and get worth out of your Sapphire Preferred spending.
Which playing cards compete with the Chase Sapphire Most popular?
The Sapphire Preferred is tough to beat, nevertheless it’s value evaluating it to different playing cards:
- If you happen to choose Capital One: The Capital One Venture Rewards Credit Card is your greatest wager in case you’re fascinated about a Capital One-affiliated card. It provides an easier incomes construction for a similar $95 annual price. Nonetheless, Capital One miles are value barely lower than Chase factors, based on TPG’s December 2025 valuations. Study extra in our full review of the Venture Rewards.
- If you happen to choose American Specific: The American Specific® Inexperienced Card provides a excessive incomes price on journey, eating and transit. An annual as much as $209 Clear Plus credit score every calendar 12 months greater than offsets its greater $150 annual price. Plus, Amex has extra switch companions than Chase and provides extra frequent transfer bonuses. Study extra in our full review of the Amex Green.
- If you would like extra perks: The Chase Sapphire Reserve® (see rates and fees) provides greater incomes charges on choose journey purchases and elevated perks like airport lounge entry and an annual journey credit score for the next $795 annual price. Study extra in our full review of the Sapphire Reserve.
For added choices, try our full record of the best starter credit cards.
The data for the American Specific Inexperienced Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Associated: Hot take: Which Sapphire product is best? 2 experts vehemently disagree
Backside line
If you happen to’re able to degree up out of your cash-back or no-annual-fee credit card, a wonderful card to use for is the Chase Sapphire Preferred. It’s nonetheless considered one of many best rewards credit cards since its debut over 15 years in the past. It earns probably the most invaluable factors accessible, and it’s versatile sufficient to meet the rewards goals of each frequent and newbie vacationers alike.
Apply right here: Chase Sapphire Preferred Card
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