If you happen to’ve spent any time round TPG, you understand that the Chase Sapphire Most popular® Card (see charges and costs) is one in every of our most beloved playing cards.
We regularly suggest it as an important journey rewards card for freshmen and journey rewards veterans alike for its strong incomes potential, glorious level redemption choices and comparatively low annual payment.
However in the event 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 loads of actually good card choices to take you to the subsequent part of your factors and miles journey. It is arduous to make a foul alternative so long as you retain just a few issues in thoughts.
Let’s break down the three main faculties of thought on which card it’s best to get to pair together with your trusty Sapphire Most popular that will help you resolve which strategy is greatest for you.
Three approaches
Your choices fall into three classes:
There isn’t any single proper reply that applies to everybody, so you will wish to contemplate your personal scenario to find out which makes essentially 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 deal with Chase earlier than going over 5/24.
Associated: The ability of the Chase Trifecta
Possibility 1: A card to earn extra Final Rewards factors
It is a nice alternative in the event you like Chase’s switch companions and wish to earn as many Chase Final Rewards factors as potential on your dream journey.
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With one of many Chase Freedom playing cards, you may 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 Limitless® (see charges and costs) and Chase Freedom Flex® are marketed as cash-back playing cards.
If you happen to even have the Chase Sapphire Most popular, although, you can mix your rewards and switch them to the total vary of Chase’s switch companions.
If you end up able to juggle just a few playing cards however wish to preserve incomes Chase Final Rewards factors, you should utilize all three playing cards (Sapphire Most popular, Freedom Limitless and Freedom Flex) to maximise your Final Rewards-earning potential on your whole purchases. TPG bank cards editor Olivia Mittak makes use of this technique to maximise the quantity of Final Rewards she earns.
Simply make sure to time your functions rigorously to maximise your approval probabilities.
The data 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 payment: $0
Welcome bonus: Earn $200 money again after spending $500 within the first three months of account opening.
Rewards price: With the Freedom Limitless, you will earn:
- 5% money again on journey booked via Chase Journey℠
- 3% again on eating
- 3% again on drugstores
- 1.5% again on all different purchases
Why this card pairs nicely: 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 outdoors of its bonus classes).
Even with our personal extra superior card portfolios, this can be a card TPGers attain for occasionally. It permits us to earn a good return on purchases that do not fall beneath most bonus classes, resembling auto repairs and specialty objects. With its present welcome bonus, it’s going to make sense for many Chase Sapphire Most popular cardholders.
To be taught extra, take a look at our full evaluation of the Freedom Limitless.
Apply right here: Chase Freedom Limitless
Chase Freedom Flex
Annual payment: $0
Welcome bonus: This card is at present closed to digital candidates, however potential cardholders might be able to apply and obtain a welcome supply in-branch.
Rewards price: 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 via Chase Journey
- 3% again on drugstore purchases
- 3% again on eating
- 1% again on all different purchases
Why this card pairs nicely: 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, throughout the third quarter of 2025 (July 1 via Sept. 30), the bonus classes are electrical automobile charging stations, gasoline stations, Instacart and choose stay leisure. Activation required.
This card provides you a good way to earn extra Chase Final Rewards factors on totally different spending classes.
To be taught extra, take a look at our full evaluation of the Chase Freedom Flex.
Possibility 2: A card to earn extra factors with a Chase switch accomplice
If you happen to persistently switch your Chase Final Rewards to a particular switch accomplice, like United MileagePlus or World of Hyatt, it’s best to contemplate a cobranded card to maximise your points-earning potential. A cobranded card can even present advantages related to that particular accomplice, like free checked luggage or complimentary lodge elite standing.
United Quest Card
Annual payment: $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.
In accordance with TPG’s July 2025 valuations, this welcome supply is value $1,300.
Rewards price: With the United Quest℠ Card (see charges and costs), you will earn:
- 8 miles per greenback spent on United flights
- 5 miles per greenback spent once you prepay for a reserving via Famend Accommodations 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 nicely: Since United is one in every of Chase’s most beneficial journey companions, this card will drastically enhance the worth you obtain once you switch your Final Rewards factors to United. For instance, when you will have a United Quest card, your miles will go a lot additional because of the extra award availability provided to all United cardholders.
Plus, the present 100,000-mile bonus on the United Quest is one of the best supply we have seen within the card’s historical past. This card final provided 100,000 miles throughout its 2021 launch, and the spending requirement was a lot increased then.
You will additionally obtain a free first and second checked bag for your self and a companion, and precedence boarding. Different advantages embody two 10,000-mile award flight reductions (one after each card anniversary and one other you may earn after spending $20,000 on purchases every calendar 12 months), 25% again on United inflight purchases and an as much as $120 World Entry, TSA PreCheck or Nexus software payment credit score.
An automated annual $200 in United TravelBank Money can even assist take the sting out of this card’s $350 annual payment.
The United Quest card gives elitelike advantages you may get pleasure from whereas taking the journeys you have redeemed together with your Final Rewards. If you happen to fly United recurrently, this can be a nice card so as to add to your pockets.
To be taught extra, take a look at our full evaluation of the United Quest card.
Apply right here: United Quest Card
World of Hyatt Credit score Card
Annual payment: $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.
In accordance with TPG’s July 2025 valuations, the factors on this welcome supply are value $425.
Rewards price: The World of Hyatt Credit score Card (see charges and costs) 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 gymnasium memberships
- 1 level per greenback on all different purchases
Why this card pairs nicely: The World of Hyatt program is well essentially the most invaluable lodge switch accomplice provided by Final Rewards, so you will wish to get pleasure from as many perks as potential when redeeming your rewards for stays at Hyatt.
You will obtain Hyatt Discoverist standing for so long as your account is open and 5 qualifying evening credit towards your subsequent standing tier yearly. Plus, you may earn two extra qualifying evening credit each time you spend $5,000 in your card, making it a lot simpler to succeed in the subsequent tier of elite standing even in the event you’re not on the highway continuously.
One other standard profit on this card is the annual free evening you obtain after your cardmember anniversary (legitimate at any Class 1-4 Hyatt lodge or resort), in addition to a further free evening at any Class 1-4 Hyatt lodge or resort in the event you spend $15,000 in a calendar 12 months.
All that mentioned, this card’s present welcome supply isn’t one of the best. We suggest ready for a greater supply earlier than making use of.
To be taught extra, take a look at our full evaluation of the World of Hyatt card.
Apply right here: World of Hyatt Credit score Card
Possibility 3: A card that diversifies your rewards
Suppose you’re 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 here are some nice decisions:
American Specific Gold Card
Annual payment: $325 (see charges and costs)
Welcome bonus: New cardmembers can discover out their supply and see if they’re eligible for as excessive as 100,000 bonus factors after spending $6,000 on purchases inside the first six months of card membership. Welcome gives fluctuate, and also you might not be eligible for a proposal.
In accordance with TPG’s July 2025 valuations, this welcome supply is value as a lot as $2,000.
Rewards price: With the American Specific® Gold Card, you may 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 nicely: The Sapphire Most popular does not supply 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 a wide range of assertion credit geared towards foodies each calendar 12 months to assist offset its $325 annual payment. Enrollment is required for choose advantages; phrases apply.
Most significantly, you will diversify your rewards portfolio by having access to American Specific Membership Rewards. Amex’s loyalty program contains switch companions that Chase does not have, resembling Hilton Honors, Delta SkyMiles, ANA Mileage Membership and Qantas Frequent Flyer.
To be taught extra, take a look at our full evaluation of the Amex Gold.
Apply right here: American Specific Gold Card
Capital One Enterprise Rewards Credit score Card
Annual payment: $95
Welcome bonus: Earn 75,000 bonus miles after spending $4,000 on purchases inside the first three months of account opening.
In accordance with TPG’s July 2025 valuations, this welcome supply is value $1,388.
Rewards price: With the Capital One Enterprise Rewards Credit score Card, you will earn:
- 5 miles per greenback spent on inns, trip leases and rental automobiles booked via Capital One Journey
- 2 miles per greenback spent on all different purchases
Why this card pairs nicely: The Sapphire Most popular has unbelievable switch companions, however it may possibly’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 will be redeemed for assertion credit towards almost any journey buy.
The Enterprise Rewards means that you can switch your miles to 15-plus airline and lodge packages, together with some companions that Chase does not have.
Priceless additions embody Wyndham Rewards, Turkish Airways Miles&Smiles and Alternative Privileges. You even have entry to some shared switch companions like British Airways Membership, so pairing the Enterprise Rewards with the Sapphire Most popular may speed up your potential earnings with these packages.
This card additionally gives as much as $120 as a World Entry or TSA PreCheck software payment credit score.
To be taught extra, take a look at our full evaluation of the Enterprise Rewards.
Be taught extra: Capital One Enterprise Rewards Credit score Card
Citi Strata Premier Card
Annual payment: $95
Welcome bonus: Earn 60,000 bonus factors after spending $4,000 in purchases inside the first three months of account opening.
In accordance with TPG’s July 2025 valuations, this welcome supply is value $1,110.
Rewards price: The Citi Strata Premier® Card (see charges and costs) earns ThankYou factors on the following charges:
- 10 factors per greenback spent on inns, automobile leases and points of interest (excluding air journey) once you guide via 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 outdoors CitiTravel.com
- 1 level per greenback spent on all different purchases
Why this card pairs nicely: The Citi ThankYou Rewards program gives a number of switch companions that Chase does not, resembling Qatar Airways Privilege Membership, Etihad Visitor and Turkish Airways Miles&Smiles. It additionally gives invaluable bonus-earning charges at supermarkets and gasoline stations, which the Sapphire Most popular does not.
This card additionally comes with a lodge financial savings profit value $100 off a $500 or extra single lodge keep (excluding taxes and costs) as soon as every calendar 12 months. Nevertheless, that keep have to be booked via Citi’s journey portal, limiting its utility to some extent.
To be taught extra, take a look at our full evaluation of the Citi Strata Premier.
Apply right here: Citi Strata Premier Card
Backside line
No matter your alternative, you will construct on the data you have obtained via the Sapphire Most popular and take one other step towards paying on your subsequent dream journey with factors and miles.
Associated: How I selected my subsequent bank card with assist from fellow TPGers
For charges and costs of the Amex Gold Card, click on right here.
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