TPG staffers are large followers of the Chase Sapphire Most popular® Card (see charges and charges). We fortunately pay its annual charge every year and record it as one of many playing cards we recommend for a lot of vacationers. We love that this card earns bonus factors on journey and eating and permits us to switch our factors to invaluable switch companions.
An incredible profit is the ten% anniversary factors bonus, giving cardholders a ten% bonus primarily based on their whole spend through the account anniversary yr at a charge of 1 level for every greenback spent. So, for instance, in the event you spent $100,000 in your Sapphire Most popular throughout your cardmember yr, you’ll get 10,000 bonus factors on the finish of the yr.
Since TPG’s April 2025 valuations place Chase Final Rewards factors as value 2.05 cents every, incomes 10,000 bonus factors can be like getting $205 in worth. The extra you spend, the extra you will earn, and this one perk alone may assist make up for some (or all) of the cardboard’s $95 annual charge.
Let’s dive into the specifics of this profit and how one can monitor 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 advantageous print, this perk can initially sound barely deceptive. Listed here are the small print:
10% anniversary factors bonus: Every account anniversary yr, you will earn bonus factors that equal 10% of your whole spend in factors from purchases made along with your bank card through the earlier account anniversary yr at a charge of 1 level for every $1 spent. “Account anniversary yr” means the yr starting along with your account open date by way of the anniversary of your account open date, and every 12 months after that.
You should not mistake this as incomes again 10% of the factors you earned in a given yr. As an alternative, you are incomes 10% extra factors primarily based solely on the {dollars} you spend throughout your given account anniversary yr.
You’ll be able to consider this as merely including 0.1% to the prevailing bonus classes on the Chase Sapphire Most popular. As a reminder, here is the incomes charge on the cardboard:
- 5 factors per greenback spent on journey bought by way of Chase Journey℠ (excluding the $50 resort credit score)
- 5 factors per greenback spent on Lyft purchases (by way of Dec. 2027)
- 5 factors per greenback spent on Peloton gear and accent purchases of $150 or extra (by way of Dec. 2027, with a restrict of 25,000 bonus factors)
- 3 factors per greenback spent on eating
- 3 factors per greenback spent on on-line groceries (excluding Walmart, Goal and wholesale golf equipment)
- 3 factors per greenback spent on choose streaming providers
- 2 factors per greenback spent on all different journey purchases
- 1 level per greenback spent on all different eligible purchases
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In different phrases, you are incomes 5.1 factors per greenback spent on Lyft purchases (by way of Dec. 2027), 3.1 factors per greenback spent on eating, 2.1 factors per greenback spent on different journey purchases — the record goes on.
Whereas not an enormous distinction, it will probably actually add as much as a big variety of bonus factors on the finish of your cardmember yr.
Associated: Chase Sapphire Most popular advantages you may not find out about
The best way to monitor your progress for the ten% anniversary bonus
If you do not know your account anniversary date already, go to the Final Rewards portal to search out this date in addition to your progress towards your 10% bonus.
Hover to “Rewards exercise” underneath “Rewards particulars.”
Then, you will discover a abstract of your spending, factors earned and progress underneath “10% anniversary factors enhance.”
The quantity will proceed to extend as you spend extra over the approaching yr.
One other essential factor to notice right here is that you simply will not obtain your bonus factors till 60 to 90 days after your anniversary interval is over. That is seemingly as a result of Chase needs you to pay your annual charge for the following yr earlier than awarding you these bonus factors.
Regardless, there is not any 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 monitor your progress, you are able to do so underneath the “Rewards exercise” tab of the Final Rewards portal. In any other case, let the factors fly in.
Associated: The best way to use the $50 resort credit score on the Chase Sapphire Most popular
Backside line
If you happen to do not put an enormous quantity of spending in your card, this 10% anniversary factors bonus is not essentially monumental. Nonetheless, it is one other profit that makes the Chase Sapphire Most popular a card value getting and maintaining.
For extra particulars, take a look at our full overview of the Chase Sapphire Most popular.
Apply right here: Chase Sapphire Most popular Card — Earn 100,000 Final Rewards bonus factors after spending $5,000 on purchases within the first three months of account opening.
