Why the Chase Sapphire Most well-liked stays the highest journey rewards bank card 12 months after 12 months

Moreover, in case you’re new to the world of factors and miles, the welcome provide on the Chase Sapphire Most well-liked can jump-start your journey with a pleasant stash of what we take into account probably the most priceless rewards forex (together with Bilt Rewards Factors).

For a restricted time, new candidates can obtain the highest-ever welcome provide of 100,000 bonus factors after spending $5,000 inside the first three months of account opening. Based mostly on TPG’s April 2025 valuations, this welcome provide is value $2,050.

Associated: Chase Sapphire Most well-liked vs. Sapphire Reserve: Must you go mid-tier or premium?

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Low annual payment

When you will not get perks like lounge entry or journey assertion credit, you’ll get a strong card with glorious earnings charges and helpful perks. This annual payment is rather more affordable for these simply stepping into the world of bank cards with annual charges or these seeking to improve from a no-annual-fee card to a mid-tier card.

The cardboard additionally comes with a simple annual $50 assertion credit score for any lodge booked via Chase Journey℠ . In the event you make the most of this credit score, the efficient annual payment drops to solely $45.

Associated: The entire information to bank card annual charges

Useful bonus classes

The Sapphire Most well-liked earns:

• 5 factors per greenback spent on journey booked via Chase Journey
• 5 factors per greenback spent on Lyft rides (via Sept. 2027)
• 5 factors per greenback spent on Peloton tools and accent purchases of $150 or extra (with a restrict of 25,000 bonus factors via Dec. 2027)
• 3 factors per greenback spent on eating, choose streaming providers and on-line grocery retailer purchases (excludes Goal, Walmart and wholesale golf equipment)
• 2 factors per greenback spent on all different journey not booked via the Chase Journey portal (journey is broadly outlined by Chase and consists of issues reminiscent of parking, tolls, ferries and campgrounds)
• 1 level per greenback spent on every little thing else

These are among the greatest earnings charges in the marketplace. Whereas there are a number of different playing cards with greater earnings charges in sure classes, these playing cards often carry greater annual charges or are restricted by spending caps in choose bonus classes.

Whether or not you are a newbie or an skilled, these bonus classes may also help you maximize your earnings and get you nearer to your subsequent journey.

Associated: 6 the explanation why the Chase Sapphire Most well-liked is the proper card for the typical traveler

Versatile redemptions and transfers

Factors may be redeemed for journey booked via the Chase Journey portal at 1.25 cents per level, a press release credit score at 1 cent per level (at instances greater in case you use Chase’s Pay Your self Again function) or reward playing cards at 1 cent per level.

It’s also possible to redeem factors by transferring them to companions, our favourite redemption choice. Based mostly on TPG’s April 2025 valuations, Final Rewards factors are value 2.05 cents every via this redemption route.

Chase has a roster of 14 switch companions, together with 11 airline and three lodge companions. Transferring and redeeming factors is comparatively simple, making this convenient for freshmen. Many switch companions have unbelievable candy spot redemptions the place you may get outsize worth on your factors.

My three favourite Chase switch companions are Air Canada Aeroplan, Southwest Speedy Rewards and World of Hyatt. The latter has gotten me excellent lodge redemptions worldwide at properties just like the Grand Hyatt Barcelona, the place I routinely rise up to 4 cents per level in worth.

Associated: When and tips on how to switch Chase Final Rewards factors to World of Hyatt

Journey protections and perks

• Baggage delay insurance coverage
• Misplaced baggage reimbursement
• Major rental automotive protection
• Buy safety and prolonged guarantee safety
• Journey cancellation insurance coverage
• Journey delay insurance coverage

Even in case you journey solely a couple of times a 12 months, these protections can add peace of thoughts your journey plans go awry. Moreover, the acquisition and prolonged guarantee safety may be helpful for giant purchases.

Backside line

It is clear why TPG staffers (each freshmen and specialists ourselves) usually suggest the Chase Sapphire Most well-liked. With its priceless earnings charges, helpful protections and advantages, entry to switch companions and low annual payment, the Sapphire Most well-liked is worthy of taking the crown residence once more because the Finest Journey Rewards Credit score Card.

Apply right here: Chase Sapphire Most well-liked