Whether or not you are a frequent traveler or factors and miles newbie, there are lots of causes the Chase Sapphire Most popular Card® (see charges and costs) is a superb possibility for you.
However with a $95 annual charge, it’s possible you’ll ask, is the Chase Sapphire Most popular value it?
The Sapphire Most popular was my first transferable rewards card and my first one with an annual charge. A few years into holding the cardboard, I can strongly affirm that I’ve obtained considerably extra worth from the cardboard than I’ve paid in annual charges.
Highest-ever supply: Earn 100,000 bonus factors with the Chase Sapphire Most popular after spending $5,000 on purchases inside the first three months of account opening.
Let’s discover the way you, too, can get far more worth from the Chase Sapphire Most popular than it prices to hold every year.
Beneficiant welcome supply
Presently, new candidates can earn 100,000 bonus factors after spending $5,000 within the first three months of account opening. This matches the best bonus we have seen on the cardboard, final supplied over three years in the past.
TPG’s March 2025 valuations place this bonus at a whopping $2,050 once you leverage the Chase Final Rewards program’s helpful switch companions.
Nonetheless, if you wish to go an easier route, you may nonetheless get at the very least $1,250 in worth out of redeeming your factors for journey purchases made by Chase Journey℠.
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The worth of this bonus alone fully offsets the first-year $95 annual charge.
Associated: Causes to decide on the Chase Sapphire Most popular over the Chase Sapphire Reserve
Easy resort credit score
In case you maintain the Sapphire Most popular, you will obtain a $50 assertion credit score every account anniversary 12 months to guide resort stays bought by the Chase journey portal.
All you must do is log into Chase Journey, choose your Sapphire Most popular (when you have a number of Chase playing cards), seek for motels and guide your keep.
Simply do not forget that if you happen to guide the Chase journey portal, you seemingly will not earn any resort factors or elite night time credit or obtain elite standing advantages.
In our expertise, the assertion credit score normally posts inside 4 enterprise days.
This credit score basically wipes out greater than half of the cardboard’s $95 annual charge every year.
Associated: Who ought to (and should not) get the Chase Sapphire Most popular?
Excessive points-earning
A welcome bonus is not the one method to earn factors. The Sapphire Most popular accrues factors at a excessive charge throughout a number of well-liked bonus classes, which lets you proceed stacking up these helpful factors lengthy after incomes the welcome bonus.
Here is a breakdown of factors incomes on the Sapphire Most popular:
- 5 factors per greenback on journey booked by the Chase journey portal
- 3 factors on eating, choose streaming companies and on-line grocery retailer purchases*
- 2 factors on all journey not booked by the Chase journey portal
- 1 level on every little thing else
*Excludes Goal, Walmart and wholesale golf equipment
Plus, you will earn a ten% bonus on all purchases made every year. So, if you happen to spent $25,000 on purchases final 12 months, you will earn 2,500 bonus factors. By TPG’s March 2025 valuations, they’re value $52.
Helpful redemptions
I counsel you switch your Final Rewards factors to one in every of Chase’s journey companions — 11 airline and three resort packages. Excessive-value ones embody Air France-KLM Flying Blue, British Airways Government Membership and World of Hyatt.
There are various candy spots to leverage along with your Chase factors. You need to use factors to guide luxurious Hyatt stays at a excessive worth or switch factors to British Airways to guide flights with Oneworld companions, together with American Airways.
Maximizing your redemptions might simply web journey financial savings of greater than $95 — the price of the Sapphire Most popular’s annual charge.
If leveraging switch companions is not your factor, you will nonetheless get good worth once you guide by Chase Journey. That is as a result of Sapphire Most popular cardholders get a set 1.25 cents in worth for every level they redeem by the portal.
So if you happen to needed to guide a $500 American Airways flight, you would use 40,000 Chase factors to buy it by the Chase journey portal. Plus, you will earn AAdvantage miles on this flight.
Associated: Recommendations on easy methods to use your factors and miles higher
Helpful advantages
Certain, you may not apply for a card merely to get journey insurance coverage or buy safety.
Nonetheless, if the time comes that it is advisable leverage one in every of these perks, the Sapphire Most popular’s suite of advantages is more likely to have you ever lined. And, in lots of cases, only one profitable declare would web you extra in returns than you paid within the annual charge.
As an instance the airline loses your bag for 5 days on a visit to Europe. In case you bought your flight along with your Sapphire Most popular card, you will be reimbursed for important purchases like clothes and toiletries.
Chase will cowl as much as $100 a day for 5 days, supplying you with as much as $500 — greater than 5 occasions the cardboard’s annual charge. Simply ensure to maintain all of your receipts.
Is the Chase Sapphire Most popular value it?
Backside line
In fact, it is best to contemplate your pockets’s current playing cards and private journey preferences earlier than making use of. However for many vacationers, the Chase Sapphire Most popular is value it.
To study extra in regards to the card, learn our full evaluation of the Chase Sapphire Most popular.
Apply right here: Chase Sapphire Most popular
