Is the 100,000-point bonus on the Sapphire Most well-liked one of many best-ever card provides?
As you may need seen, the Chase Sapphire Most well-liked® Card (see charges and charges) just lately launched a proposal that the factors and miles world goes a bit bananas over (together with right here within the halls of TPG).
However simply in case you’ve got been busy and missed it, new candidates for the Sapphire Most well-liked can at present earn 100,000 bonus factors after spending $5,000 on purchases within the first three months from account opening. This can be a very uncommon supply and a very spectacular 40,000 factors increased than the common supply. To place some numbers to it, TPG values these factors at over $2,000 primarily based on our April 2025 valuations.
Supply alert: Add 100K Final Rewards Factors to your steadiness with this limited-time supply on the Chase Sapphire Most well-liked.
However chopping via the hype, simply how good is that this 100,000-point supply — and is it a contender for probably the greatest offers we have ever seen?
For instance, does this supply rank up there with the likes of previous enormous launch provides for premium playing cards? What about these long-gone but still-remembered offers just like the US Airways Grand Slam (RIP)?
Let’s roll the tape.
100,000-point card provides are frequent … besides after they aren’t
In case you’ve watched the rewards bank card area over time, you’ve got most likely observed the pattern of welcome provides getting greater and larger. For instance, 10 to fifteen years in the past, it was frequent for a big welcome bonus to max out within the neighborhood of 25,000-50,000 factors.
In our recollections, the primary actually large six-figure card supply got here from Capital One in March 2011 as a part of a “Match Your Miles” promotion (now not accessible). The bottom supply was simply 10,000 factors (Capital One would later shift to miles as its forex), however you might earn as much as 100,000 extra bonus factors when you had an present steadiness of rewards in one other account, which was possible far much less frequent again then.
That very subsequent month, Chase would launch a 100,000-mile bonus (now not accessible) on the British Airways Visa Signature® Card, a program that has additionally since moved to a brand new forex — Avios. However these had been anomalies in a sea of smaller provides.
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And, as TPG readers know, not all factors and miles are created equally. It’s normal to see cobranded playing cards from packages like Hilton Honors and IHG One Rewards cross the six-figure mark. However these currencies are value considerably much less on a per-point foundation.
However, Chase factors rank among the many Most worthy rewards on the market primarily based on our information and private expertise. We recurrently get at the very least 2 cents in worth per level when maximizing with companions equivalent to World of Hyatt, Air Canada Aeroplan and Air France-KLM Flying Blue.
Nevertheless it’s not simply the variety of factors. In any case, we have seen quite a few welcome bonuses within the 100,000-plus vary in the previous couple of years, however they usually have hefty spending necessities to get the complete bonus. Or, the cardboard might have a excessive annual price of lots of of {dollars} that would discourage a extra informal traveler.
That is what makes this new Sapphire Most well-liked supply so uncommon.
In any case, you possibly can earn 100,000 Chase factors with one welcome bonus on a private bank card with only a $95 annual price by spending $5,000 in three months. That works out to $1,666.67 in spending monthly.
That is not precisely simple, however information from the latest Client Expenditure Survey exhibits that the common American family spent $77,280 in 2023. Even when you take away housing expenditures from the calculation (although there are methods to pay hire with a bank card), that is nonetheless greater than $4,300 a month, a lot of which may possible go on a card as of late.
After which there’s the necessary actuality that we’ve got solely seen the bonus for the Sapphire Most well-liked go this excessive as soon as ever earlier than — in the summertime of 2021. Even then, it solely lasted just a few months earlier than going again into the “Chase vault.” That is a very uncommon supply that merely does not come round fairly often.
The Sapphire Most well-liked’s flashier and pricier sister, the Chase Sapphire Reserve®, had a 100,000-point bonus when it launched in 2016, and that lasted via March 2017. However once more, that was greater than eight years in the past, and that card on the time had a $450 annual price (it is now $550), so it is not precisely apples to apples towards a $95-per-year card.
The TL;DR is that this:
- The Sapphire Most well-liked has been available on the market — and one in every of our most advisable journey rewards playing cards — for greater than 15 years.
- That is solely the second time the bonus has hit 100,000 factors in these 15 years.
- The final time was practically 4 years in the past — because the world was popping out of the depths of the pandemic.
So, it is not the type of bonus you see on a regular basis. Merely put, it stays very uncommon for bonuses on playing cards that earn transferable factors to go this excessive — particularly on lower-annual-fee playing cards like this.
Associated: Are you able to pay hire with a bank card? All the things you have to know
The fantastic thing about the cardboard (and the 100,000-point bonus) is its simplicity
The final couple of years have seen complexity creep into the world of journey rewards playing cards and loyalty packages.
Need to benefit from that annual price? Be ready to maximize month-to-month assertion credit. Want to determine what number of miles you will earn on that partner-operated flight? Name your buddy who’s a spreadsheet professional with a Ph.D. in arithmetic.
Fortunately, the Sapphire Most well-liked’s bonus and total worth proposition are easy and tremendous rewarding. Apply (and get permitted) for the cardboard. Spend at the very least $5,000 in three months (do not forget that the annual price does not rely towards that whole). Earn 100,000 bonus factors.
The one ongoing perk you really want to trace on the cardboard is a $50 annual assertion credit score for lodge purchases made via Chase Journey℠. However apart from that, you merely use the cardboard and earn factors (plus take pleasure in a few of the finest journey protections on the market).
This bonus can get you over $2,000 in worth
You might even see this 100,000-point bonus assigned totally different money worth equivalents, and that is for good motive.
There are other ways to make use of Chase Final Rewards factors. In case you use them to e-book issues like flights, accommodations or automobile leases by way of the Chase Journey portal, you get a set worth of 1.25 cents per level. Meaning your 100,000-point bonus could be value $1,250.
Nonetheless, consider that as the start line in your rewards — there’s potential for extra. A lot, way more. And all of it comes all the way down to the slate of Chase Final Rewards switch companions.
You may convert your Chase factors to 11 airline currencies and three lodge currencies at a 1:1 ratio (except you’ll be able to time issues proper with a switch bonus). And when you use the proper accomplice for the proper redemption — suppose long-haul business-class flights or award nights at luxurious resorts — you will have the possibility to get considerably extra worth from every level.
Listed here are just a few real-world examples of how one can stretch the worth of those rewards.
| Switch program(s) | Redemption particulars | Variety of factors (plus taxes and charges) | Money value | Worth per Chase level |
|---|---|---|---|---|
| Air Canada Aeroplan | Lufthansa firstclass for one passenger from Frankfurt Airport (FRA) to George Bush Intercontinental Airport (IAH) | 100,000 (plus $209.77) | $10,440.23 | 10.2 cents |
| Virgin Atlantic Flying Membership | KLM enterprise/Virgin Higher Class for 3 passengers from Amsterdam Airport Schiphol (AMS) to Orlando Worldwide Airport (MCO) by way of Manchester Airport (MAN) | 111,000 (plus $1,172.71) | $6,732 | 5 cents |
| British Airways Membership or Iberia Plus | Iberia enterprise class for 2 passengers from Zurich Airport (ZRH) to Orlando Worldwide Airport (MIA) by way of Adolfo Suárez Madrid-Barajas Airport (MAD) | 115,000 (plus $474.02) | $5,859 | 4.7 cents |
| World of Hyatt | Hyatt Centric Park Metropolis throughout ski season | 180,000 factors | $6,938.30 | 3.9 cents |
These aren’t made-up or cherry-picked theoretical examples. As a substitute, each one in every of these awards was really booked by a TPG staffer utilizing an Final Rewards switch accomplice within the final 12 months.
Once more, we’re speaking in regards to the potential for hundreds of {dollars} in journey worth from one card bonus with a sensible spending requirement and only a $95 annual price — that is an distinctive deal.
Learn extra: 10 finest methods to make use of 100K Chase Final Rewards factors
So, is the 100,000-point Sapphire Most well-liked supply probably the greatest offers ever?
Briefly … sure. It truly is.
We keep in mind absolutely the frenzy when the 100,000-point welcome bonus was ending on the Sapphire Most well-liked in the summertime of 2021. Those that obtained busy and by accident missed it then had been very disillusioned and hoped it might return quickly. Effectively, it took about 3 1/2 years, however the wait is over.
Nobody has a Sapphire-colored crystal ball to know what Chase will do subsequent, however we do know that that is being marketed as a limited-time supply. In different phrases, there is not any method to know the way lengthy will probably be round — however it would undoubtedly rank among the many finest provides we’ve got seen within the nearly 15 years since The Factors Man launched.
Apply now: Chase Sapphire Most well-liked Card with a 100,000-point bonus
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