Causes to use for a Chase Sapphire Most popular Card – The Factors Man

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You in all probability already know that the Chase Sapphire Most popular Card is broadly thought-about probably the greatest journey bank cards available on the market — even successful the award as one of the best journey rewards card for the fifth straight 12 months on the 2022 TPG Awards.

In the event you don’t already carry this prized card, now is a good time so as to add it to your pockets because it’s at present providing a sign-up bonus of 80,000 factors — value $1,600 by TPG’s valuations.

Listed below are the highest six causes the Chase Sapphire Most popular ought to be your first — or subsequent — rewards bank card.

$1,600 in sign-up bonus worth

The Chase Sapphire Most popular at present sports activities a sign-up bonus of 80,000 Final Rewards factors after you spend $4,000 on purchases within the first three months of account opening.

Use your factors to fly United Polaris by transferring to Chase’s journey companions or reserving by the Chase portal. ZACH GRIFF/THE POINTS GUY

When redeeming for journey at a hard and fast worth (1.25 cents every), these 80,000 Chase Final Rewards factors are value $1,000 by the Chase Final Rewards portal, the place you will discover flights, resorts and rental playing cards.

Nonetheless, TPG values these factors at $1,600 — and even higher — in the event you redeem your factors through Chase’s 11 airline and three lodge companions that permit you to switch the factors to their respective loyalty packages on a 1:1 foundation.

Associated: A prime journey card contender: Chase Sapphire Most popular bank card overview

Terrific rewards charges

Since its launch in 2009, the Chase Sapphire Most popular has provided bonus rewards on journey and eating purchases, overlaying every little thing from Uber rides and parking charges to meals supply companies.

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The improved incomes charges on the Sapphire Most popular make it conducive to on a regular basis spending, not simply touring. CATHERINE FALLS COMMERCIAL/GETTY IMAGES

In 2021, Chase added much more bonus classes and advantages that make the Sapphire Most popular extra aggressive than ever earlier than:

At your account anniversary, you’ll additionally accrue 10% of your complete card spending within the type of factors. Every level represents $1 spent on the cardboard, so in the event you spent $10,000 on the Sapphire Most popular in a single 12 months, you’d obtain 1,000 factors again.

The classes and bonus profit permit cardholders to earn bonus factors on all travel-related purchases and on a regular basis purchases past simply the welcome supply.

Associated: Chase provides bonus classes, new perks to Sapphire card lineup

Redeem your factors for optimum worth

There are methods to make use of your Final Rewards factors it doesn’t matter what sort of card consumer you might be, from Amazon purchases to Apple merchandise to reward playing cards. Whereas these redemption choices will yield 1 cent per level in worth, there are a lot better methods to stretch your factors when utilizing them for journey.

Redeem your Final Rewards factors for nights on the luxurious Park Hyatt Beaver Creek. PARK HYATT BEAVER CREEK

Your best possibility is to e-book journey immediately by the Chase journey portal, with factors value a flat 1.25 cents every. For instance, a $200 flight equates to 16,000 Final Rewards factors.

If you wish to take it to the following degree, switch your factors to certainly one of Chase’s 11 airline and three lodge companions. Sometimes, you’ll get essentially the most out of your factors while you switch them to companions like Southwest Fast Rewards, United MileagePlus and World of Hyatt. In some circumstances, you may exceed TPG’s valuation of two cents per level.

Associated: From worldwide enterprise class to home hops: 6 of one of the best Chase Final Rewards candy spots

Unmatched journey advantages and protections

The worth of the Chase Sapphire Most popular doesn’t cease at incomes and redeeming factors. If you pay in your journey bills together with your card, you’ll be armed with complimentary journey protections and advantages that would prevent a whole lot (or 1000’s) of {dollars}.

Keep away from complications within the airport and overview your Chase journey protections that include the Sapphire Most popular. DIMA BERLIN/GETTY IMAGES

With the Chase Sapphire Most popular, you will get:

  • Annual $50 lodge assertion credit score: When reserving a lodge reservation by the Final Rewards portal, you’ll get a $50 assertion credit score as soon as per 12 months.
  • Major automobile rental insurance coverage: This covers your complete loss, injury or theft of your automobile rental with out going by your insurance coverage firm, a profit that may prevent big-time in the long run.
  • No international transaction charges: The Sapphire Most popular waives international transaction charges, sometimes saving you 2.7%-3% on each buy overseas.
  • Journey delay reimbursement: In case your flight, prepare or different widespread service journey is delayed greater than 12 hours otherwise you require an in a single day keep because of a delay, you’re coated for unreimbursed bills similar to meals and lodging as much as $500 per ticket. (And sure, we’ve examined this perk out and it actually works.)
  • Journey cancellation/journey interruption insurance coverage: In case your journey is lower quick or interrupted by illness, extreme climate or different coated conditions, you may recoup as much as $10,000 per individual (as much as a most of $20,000 per journey) for pay as you go, nonrefundable journey bills similar to aircraft tickets, resorts and excursions.
  • Baggage delay insurance coverage: As much as $100 per day for necessities for as much as 5 days when your checked baggage is delayed by greater than six hours.

Associated: Your information to Chase’s journey insurance coverage protection

Way of life perks

Chase has a number of distinctive partnerships that transcend the journey realm.

First, Sapphire Most popular cardholders have complimentary entry to no less than one 12 months of DoorDash DashPass, which usually prices $9.99 monthly. You’ll get decrease service charges and free supply on orders over $12. The truth is, in the event you get the cardboard at the moment and activate your DashPass profit, it’ll be legitimate by Dec. 31, 2024 — getting you over a 12 months of perks.


Chase has additionally partnered with Lyft, providing 5 factors per greenback on Lyft rides charged to the Sapphire Most popular till March 2025.

Lastly, although March 2025, Sapphire Most popular cardholders additionally earn 5 factors per greenback on Peloton tools and accent purchases of $250 or extra — with a restrict of 25,000 factors.

Associated: Chase Sapphire Most popular advantages you might not find out about

Chances are you’ll not qualify for the Sapphire Most popular later

In the event you’re not satisfied but, right here’s one other large cause you might wish to apply for the Chase Sapphire Most popular: the notorious Chase 5/24 rule.

In the event you’ve opened 5 or extra new private bank cards prior to now 24 months throughout all banks — not simply with Chase — it’s a close to certainty that you just received’t be authorised for the Sapphire Most popular. In consequence, if you wish to benefit from the sign-up bonus and the opposite perks of the Chase Sapphire Most popular, it’s a good suggestion so as to add it to your pockets earlier than shifting on to different playing cards.


Equally, in the event you’ve obtained a sign-up bonus from the Chase Sapphire Reserve® within the final 48 months or nonetheless have a Sapphire Reserve open, you’ll not be eligible for the Sapphire Most popular’s sign-up bonus.

Nonetheless, in the event you’re a Sapphire Reserve cardholder and earned your bonus greater than 48 months in the past, you can nonetheless get in on the Sapphire Most popular sign-up bonus. Merely downgrade your Sapphire Reserve to a card just like the Chase Freedom Limitless®, after which apply for the Sapphire Most popular. Chances are you’ll wish to wait a few days between downgrading and making use of, although — and keep in mind that downgrading the Sapphire Reserve would imply instantly dropping the journey perks and protections it provides.

Associated: TPG novices information: Every part you have to find out about factors, miles, airways and bank cards

Backside line

The Chase Sapphire Most popular blows most different playing cards out of the water for its mixture of worth and affordability. With a $95 annual price, there are a lot of methods to justify this price, whether or not it’s the profitable sign-up bonus, ongoing rewards or complimentary journey protections that guarantee peace of thoughts in your travels.

Official utility hyperlink: Chase Sapphire Most popular Card with a 80,000-point bonus.

Extra reporting by Emily Thompson, Ryan Wilcox, Stella Shon and Benét J. Wilson.

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