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60,000-point bonus for a prime journey card: Chase Sapphire Most well-liked bank card evaluation

Editor’s be aware: This publish has been up to date with the most recent bank card info.


Chase Sapphire Most well-liked Card overview

The Chase Sapphire Most well-liked Card is without doubt one of the best-known journey rewards bank cards, that includes 5 factors per greenback on journey booked by the Chase journey portal and Lyft purchases, 3 factors per greenback on eating, choose streaming providers and on-line grocery retailer purchases (excluding Goal, Walmart and wholesale golf equipment), 2 factors per greenback on all different journey purchases and 1 level per greenback on the whole lot else.

These useful factors may be transferred to airline and lodge companions or redeemed straight for journey at a fee of 1.25 cents per level by Chase Final Rewards. Card ranking*: ⭐⭐⭐⭐½

*Card ranking relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

At TPG, we at all times get requested an essential query from newbie vacationers trying to plan journeys: Which journey bank card do you have to begin with?

We nearly universally advocate the Chase Sapphire Most well-liked Card. It earns certainly one of our favourite rewards currencies. It presents profitable perks. It contains a low annual charge. Actually, many people began our journey into factors and miles with the Chase Sapphire Most well-liked.

The cardboard is at the moment providing a sign-up bonus of 60,000 Final Rewards factors after you spend $4,000 on purchases within the first three months from account opening.

Right here’s what you might want to know concerning the Chase Sapphire Most well-liked and why it is top-of-the-line playing cards on the market.


Able to get the cardboard? Apply right here for the Chase Sapphire Most well-liked.


Who’s the Chase Sapphire Most well-liked for?

The Chase Sapphire Most well-liked is designed to work for each frequent and informal vacationers. With a $95 annual charge, it’s not an costly card, which makes it a good selection for rookies.

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THE POINTS GUY

I additionally advocate beginning your journey into the world of loyalty factors with Chase playing cards, as a result of you might want to strategically plan round Chase’s 5/24 rule relating to purposes. The Sapphire Most well-liked is unquestionably price contemplating for certainly one of your coveted 5 slots for opening new playing cards inside two years.

Associated: Who ought to (and who shouldn’t) get the Chase Sapphire Most well-liked?

Chase Sapphire Most well-liked sign-up bonus

With the Chase Sapphire Most well-liked, you’ll earn a sign-up bonus of 60,000 factors after you spend $4,000 on purchases within the first three months from account opening, sufficient to take you nearly anyplace on the earth you need to go.

This haul of factors is price a minimal of $750 when redeemed for journey by the Chase portal, however in case you maximize Chase’s switch companions, TPG’s valuations peg the total worth of the bonus at a whopping $1,200.

SUMMER HULL/THE POINTS GUY

Most important advantages and perks

Along with the sign-up bonus, there are various interesting perks on the Sapphire Most well-liked.

$50 annual lodge credit score

In Aug. 2021, Chase revealed a slew of thrilling modifications to its Sapphire playing cards, together with the Sapphire Most well-liked. Certainly one of these new perks was a $50 assertion credit score on lodge stays bought by the Chase Final Rewards journey portal upon opening the cardboard, in addition to every following cardmember anniversary. It’s robotically utilized to your account annually while you make an eligible cost. Word that the $50 credit score doesn’t earn Chase Final Rewards factors.

Associated: How you can use the brand new $50 lodge credit score on the Chase Sapphire Most well-liked

10% annual factors bonus

One other change Chase added to the cardboard is a ten% anniversary factors bonus. Cardholders will obtain a ten% bonus primarily based on their complete spending through the account anniversary yr at a fee of 1 level for every $10 spent. For instance, in case you spent $100,000 in your Sapphire Most well-liked throughout your cardmember yr, you’ll obtain 10,000 bonus factors on the finish of the yr.

Word that this 10% is calculated on the {dollars} you spent quite than the factors you earned. You thus don’t obtain extra factors by leveraging the cardboard’s bonus classes.

DoorDash

The Chase Sapphire Most well-liked additionally contains at the least one yr of complimentary DashPass membership with DoorDash, which provides you free supply and lowered service charges on eligible purchases. There’s a price related to utilizing meals supply providers comparable to DoorDash, however this generally is a useful profit in case you already use the service.

ANDREW HARRER/BLOOMBERG VIA GETTY

Journey protections

This card is a perfect option to pay for journey bookings comparable to automotive leases, cruises, airplane tickets and resorts due to the excellent journey and buy protections it affords. Amongst them, cardholders can count on the next:

You possibly can learn extra concerning the Chase Sapphire Most well-liked buying and journey advantages right here.

How you can earn factors

The Chase Sapphire Most well-liked comes with a easy incomes construction that’s straightforward to maximise. Right here’s the way you earn factors on the Sapphire Most well-liked:

  • 5 factors per greenback on journey booked by the Chase journey portal.
  • 5 factors per greenback on Lyft purchases (by March 2025).
  • 3 factors per greenback on eating, choose streaming providers and on-line grocery retailer purchases (excludes Goal, Walmart and wholesale golf equipment).
  • 2 factors per greenback on all journey not booked by the Chase journey portal.
  • 1 level per greenback on the whole lot else.

How you can redeem factors

While you’re able to redeem the factors you’ve earned with the Chase Sapphire Most well-liked, you’ll perceive why the cardboard shines. Listed below are some methods you need to use your Final Rewards.

Chase Final Rewards journey portal

You should utilize your factors to buy airfare, reserve lodge rooms and even hire a automotive by Chase Journey — all at a hard and fast fee of 1.25 cents per level. Meaning you don’t want to fret about blackout dates or discovering award house; you’ll at all times have the choice to e book journey utilizing your factors. So long as there’s a seat on the market on the flight you need, or a lodge room obtainable to order with money, you’ll have the ability to pay for it together with your factors.

Simply be aware that lodge reservations booked by third-party websites (together with Chase Journey) usually will not earn factors and will not depend towards elite standing qualification.

Switch to Chase journey companions

It’s doable to obtain way more than 1.25 cents per level in worth by transferring rewards to Chase airline and lodge companions.

SUMMER HULL/THE POINTS GUY

A few of the greatest Chase switch companions embrace Hyatt, United, British Airways and Singapore Airways for fancy resorts or airplane seats.

Pay Your self Again

If you wish to use the factors out of your Sapphire Most well-liked at a hard and fast worth for one thing aside from journey, contemplate Chase’s Pay Your self Again possibility. Cardholders can use factors for a worth of 1.25 cents apiece to cowl donations to pick charities (by Dec. 31, 2023) or a worth of 1 cent per level for gasoline station and grocery purchases (by March 31, 2023).

Associated: How you can donate factors and miles to assist Ukraine

Which playing cards compete with the Chase Sapphire Most well-liked?

There are various worthwhile mid-tier journey bank cards, however the Capital One Enterprise Rewards Credit score Card is the one which goes toe-to-toe with the Sapphire Most well-liked. The cardboard at the moment presents the next:

*Advantages solely obtainable to accounts authorised for the Visa Signature card. Phrases apply.

WYATT SMITH/THE POINTS GUY

If attempting to resolve between these two playing cards, take into consideration which one’s incomes formulation fits your spending behavior, and which one’s switch companions you’re extra more likely to maximize.

Associated: Chase Sapphire Most well-liked vs. Capital One Enterprise Card

One other different possibility can be a cobranded card with a particular airline or lodge program. These aren’t practically as versatile because the Sapphire Most well-liked, however in case you’re flying predominantly with one airline or staying incessantly at properties beneath a particular lodge umbrella, these perks might turn out to be useful.

Is the Chase Sapphire Most well-liked definitely worth the annual charge?

The Chase Sapphire Most well-liked is price opening if:

  1. You possibly can obtain the 60,000-point sign-up bonus.
  2. You’re in search of useful journey protections.
  3. You at the moment maintain the Chase Freedom Limitless and/or Chase Freedom Flex card.

While you carry the Sapphire Most well-liked together with certainly one of these playing cards, you’ll be able to freely transfer factors from one account to a different, successfully augmenting the worth of your Freedom earnings by translating them from cash-back rewards into absolutely transferable Final Rewards factors.

The Chase Sapphire Most well-liked continues to characterize a strong worth proposition for a large swath of the general public. As long as you’re utilizing the cardboard incessantly sufficient to get greater than $95 in worth from the rewards earned and advantages utilized, this card is unquestionably definitely worth the annual price.

Backside line

If you happen to’re prepared to maneuver past cash-back or fixed-value journey rewards bank cards, there isn’t a higher place to begin than with the Chase Sapphire Most well-liked.

After its debut a decade in the past, it’s nonetheless considered top-of-the-line rewards bank cards. It earns among the most respected factors round, and it’s versatile sufficient to fulfill the journey rewards wants of virtually each factors and miles ability stage. It additionally comes with a low sufficient price ticket for a lot of to have the ability to give it a strive.


Apply right here for the Chase Sapphire Most well-liked with a 60,000-point bonus.


Extra reporting by Ryan Wilcox, Chris Dong, Stella Shon, Jennifer Yellin, Joseph Hostetler and Eric Rosen.

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