How the ten% anniversary factors bonus on the Chase Sapphire Most popular works – The Factors Man

Editor’s observe: This can be a recurring put up, usually up to date with new data and provides.

TPG staffers are big followers of the Chase Sapphire Most popular® Card, fortunately paying its annual price every year and itemizing it as one of many playing cards we will not dwell with out. We love that this card earns bonus factors on journey and eating and permits us to switch our factors to precious switch companions.

And in 2021, Chase added some new perks to the cardboard to make it much more precious. Considered one of these advantages is a ten% anniversary factors bonus, giving cardholders a ten% bonus based mostly on their whole spend throughout the account anniversary 12 months at a charge of 1 level for every $1 spent. So, for instance, if you happen to spent $100,000 in your Sapphire Most popular throughout your cardmember 12 months, you’ll get 10,000 bonus factors on the finish of the 12 months.

Since TPG values Final Rewards factors at 2 cents every, incomes 10,000 bonus factors can be like getting $200 in worth. The extra you spend, the extra you’ll earn, and this one perk alone may assist make up for some (or all) of the cardboard’s $95 annual price.

Let’s dive into the specifics of this profit and how one can observe your progress on the Chase Sapphire Most popular’s 10% anniversary bonus.

In regards to the Chase Sapphire Most popular 10% anniversary bonus

With out studying the fantastic print, this new perk can initially sound barely deceptive. Listed below are the small print:

10% anniversary factors bonus: Every account anniversary 12 months, you’ll earn bonus factors that equal 10% of your whole spend in factors from purchases made together with your bank card throughout the earlier account anniversary 12 months at a charge of 1 level for every $1 spent. “Account anniversary 12 months” means the 12 months starting together with your account open date by way of the anniversary of your account open date, and every 12 months after that.

You shouldn’t mistake this as incomes 10% again of the factors you earned in a given 12 months. As a substitute, you’re incomes 10% extra factors based mostly solely on the {dollars} you spend throughout your given account anniversary.

You may consider this as merely including 0.1% to the prevailing bonus classes on the Chase Sapphire Most popular. As a reminder, right here’s the incomes charge on the cardboard:

So in your thoughts, you could possibly add 0.1% to all the multipliers above. In different phrases, you’re incomes 5.1 factors per greenback on Lyft purchases (by way of March 2025), 3.1 factors per greenback on eating, 2.1 factors per greenback on different journey purchases — the checklist goes on.

Whereas not an enormous distinction, it will possibly actually add as much as a big variety of bonus factors on the finish of your cardmember 12 months.

Associated: 7 Chase Sapphire Most popular advantages you may not find out about

In the event you don’t know your account anniversary date already, go to the Final Rewards portal to seek out this date in addition to your progress towards your 10% bonus.

Click on on “Rewards Exercise” and also you’ll discover a abstract of your spending, factors earned, and your progress underneath “10% Anniversary factors increase.”

My account anniversary simply reset, so I have never but earned many factors towards my new 10% bonus. That quantity will enhance considerably as I spend extra over the approaching 12 months.

One other essential factor to notice right here is that you simply received’t obtain your bonus factors till 60-90 days after your anniversary interval is over. That is doubtless as a result of Chase desires you to pay your annual price for the subsequent 12 months earlier than awarding you these bonus factors.

Regardless, there’s no further work concerned so that you can activate this profit. The factors will mechanically accrue and deposit to your account as soon as your anniversary resets. If you wish to observe your progress, you are able to do so underneath the “rewards exercise” of the Final Rewards portal. In any other case, let the factors fly in.

Associated: How one can use the Chase Sapphire Most popular lodge credit score

Backside line

In the event you do not put an enormous quantity of spending in your card, this 10% anniversary factors bonus isn’t essentially monumental. Nonetheless, it’s one other profit that makes the Chase Sapphire Most popular a card value getting and holding.

For extra particulars, try our full evaluation of the Chase Sapphire Most popular.