Chase Final Rewards factors have lengthy boasted one in every of our highest valuations, as you possibly can redeem this transferable forex with 14 priceless journey companions, together with Hyatt, Southwest and United.
In response to TPG’s December 2024 valuations, the Chase Sapphire Most popular® Card and Chase Sapphire Reserve’s® sign-up bonuses at present present $1,230 in worth, so there’s good motive to have an interest on this rewards program.
On this submit, we’ll go excessive 5 playing cards to contemplate if you would like to spice up your account steadiness as you look towards your subsequent journey.
Associated: 6 simple methods I exploit to earn over 500,000 factors and miles a yr
Chase Sapphire Most popular Card
The Chase Sapphire Most popular Card is a well-liked mid-tier journey rewards card.
Greatest for: Most vacationers, due to an inexpensive $95 annual payment and a terrific sign-up bonus.
Incomes charge: 5 factors per greenback on Lyft rides (by way of March 2025) and journey bought by way of Chase Journey℠, 3 factors on eating, together with eligible supply companies, takeout and eating out, 3 factors on choose streaming companies, 3 factors on on-line grocery purchases (excluding Goal, Walmart and wholesale golf equipment), 2 factors on all different journey and 1 level on all different purchases
Signal-up bonus: Earn 60,000 Final Rewards factors after spending $4,000 on purchases within the first three months of account opening. In response to TPG’s December 2024 valuations, this bonus is price $1,230.
Annual payment: $95
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Why we prefer it: The Chase Sapphire Most popular nabs the highest spot on this record, because it presents among the best sign-up bonuses of any private Chase card on the market. This card has limitless award journey alternatives; for instance, you should utilize your factors to e-book any journey by way of Chase Journey℠ at a 25% level redemption increase (or 1.25 cents every). To squeeze extra worth, switch your factors to Chase’s loyalty companions to land that dream business-class flight or luxurious resort keep on a fantastic island.
You will additionally earn 2 factors per greenback on journey and three factors on eating. Whereas eating is pretty easy, Chase counts many purchases as journey spending, from airfare and resort stays to Uber rides and parking charges.
To study extra, learn our full assessment of the Chase Sapphire Most popular.
Associated: Who ought to (and should not) get the Chase Sapphire Most popular?
Apply right here: Chase Sapphire Most popular
Chase Sapphire Reserve
The Chase Sapphire Reserve is Chase’s prime common journey rewards card.
Greatest for: Getting the utmost return on journey and eating purchases and having fun with additional perks (similar to a $300 annual journey credit score), making it worthy of a $550 annual payment.
Incomes charge: 10 factors per greenback on Lyft rides (by way of March 2025) and resorts and automotive leases by way of Chase Journey℠, 5 factors on flights by way of Chase Journey℠, 3 factors on journey and eating and 1 level on all the pieces else
Signal-up bonus: Earn 60,000 bonus factors after spending $4,000 on purchases within the first three months from account opening, price as much as $1,230, in accordance with TPG’s December 2024 valuations.
Annual payment: $550
Why we prefer it: The Chase Sapphire Reserve card has one of the vital beneficiant ongoing rewards charges for journey and eating purchases. Much like the Sapphire Most popular, the board definition of eating and journey is a good way to rack up rewards on a plethora of purchases. Primarily based on TPG’s December 2024 valuations, 3 factors per greenback equals simply over 6% return. For TPG bank card author Danyal Ahmed, the Sapphire Reserve has been a mainstay in his pockets since its launch in 2016.
For points-earning potential, the Reserve is the clear winner between it and the Sapphire Most popular. Your factors are price 1.5 cents every when reserving journey by way of Chase Journey℠. Nevertheless, the Most popular remains to be an ideal alternative in case you do not wish to pay the $550 annual payment.
To study extra, learn our full assessment of the Chase Sapphire Reserve.
Associated: Is the Chase Sapphire Reserve well worth the annual payment?
Apply right here: Chase Sapphire Reserve
Chase Freedom Flex
The Chase Freedom Flex® is a well-liked cash-back rewards card.
Greatest for: Quarterly bonus class spending that pairs nicely with one other Final Rewards card.
Incomes charge: 5% on as much as $1,500 in bonus classes every quarter you activate, 5% on journey bought by way of Chase Journey℠, 3% on eating and drugstores and 1% on all the pieces else
Signal-up bonus: Earn $200 money again after spending $500 on purchases within the first three months from account opening.
Annual payment: $0
Why we prefer it: The Chase Freedom Flex is a robust rewards card with strong earnings in a number of classes. In case you maintain the Sapphire Reserve, Sapphire Most popular or the Ink Enterprise Most popular® Credit score Card, you possibly can pool your rewards collectively as Final Rewards factors that can assist you attain that dream journey even quicker.
In case you max out your purchases in every quarter’s eligible 5% bonus classes, you’ll earn 30,000 Final Rewards factors every year — price $615 primarily based on TPG’s December 2024 valuations.
The $200 sign-up bonus is equal to incomes 20,000 factors, so opening this card is a straightforward option to increase your steadiness of Final Rewards factors shortly.
To study extra, learn our full assessment of the Chase Freedom Flex.
Associated: Why I acquired the Chase Freedom Flex and the way I am getting max money again this quarter
Apply right here: Chase Freedom Flex
Chase Freedom Limitless
The Chase Freedom Limitless® is one other common money again rewards card.
Greatest for: All different non-rotating class spending that pairs nicely with one other Final Rewards card.
Incomes charge: 5% on journey bought by way of Chase Journey℠, 3% on eating (together with takeout eligible supply companies) and drugstores and 1.5% on all the pieces else.
Signal-up bonus: Earn an extra 1.5% money again on all purchases (as much as $20,000 spent within the first yr).
Annual payment: $0
Why we prefer it: To not be confused with the Freedom Flex, the Chase Freedom Limitless has an easier incomes scheme. You will earn 5% again on journey by way of Chase Journey℠, 3% on eating and drugstores and a flat 1.5% again on all different purchases.
For frequent non-category bills, from medical payments to haircuts, relaxation assured that you will earn 1.5% again. The Freedom Limitless’s money again rewards will also be transferred to a different Final Rewards card for use as factors for journey.
To study extra, learn our full assessment of the Freedom Limitless.
Associated: The ability of the Chase Trifecta: Sapphire Reserve, Ink Most popular and Freedom Limitless
Apply right here: Chase Freedom Limitless
Ink Enterprise Most popular Credit score Card
Greatest for: Enterprise spending at workplace provide shops, promoting, utilities and journey.
Incomes charge: 3 factors per greenback on the primary $150,000 spent on mixed journey, delivery purchases, promoting purchases with social media websites and serps and web, cable and telephone companies every account anniversary yr, 1 level on all the pieces else
Signal-up bonus: Earn 90,000 bonus factors after spending $8,000 on purchases within the first three months from account opening. Primarily based on TPG’s December 2024 valuations, 90,000 Final Rewards factors are price $1,845.
Annual payment: $95
Why we like it: Whether or not you are a enterprise proprietor, freelancer or different sole proprietor, think about making use of for the Chase Ink Enterprise Most popular card. With the sign-up bonus of any Chase Final Rewards card (each private and enterprise), this could possibly be an ideal card for incomes an infinite variety of factors. Just like the Sapphire Most popular, the Ink Enterprise Most popular presents a 25% level redemption increase when reserving journey by way of Chase Journey℠.
Ensure you can maximize this card’s bonus classes, as you will earn 3 factors per greenback. Earlier than you pull the set off and join this card, bear in mind that there is a excessive spending requirement to earn this sign-up bonus. In case you’re a enterprise proprietor with decrease bills, you possibly can go for one in every of Chase’s no-annual-fee enterprise playing cards as an alternative.
To study extra, learn our full assessment of the Ink Enterprise Most popular.
Associated: 5 causes to get the Ink Enterprise Most popular card
Apply right here: Chase Ink Enterprise Most popular
Chase bank card software restrictions
Earlier than you apply for all the Chase playing cards listed above, you’ll want to be aware of Chase’s 5/24 rule. This mainly states that you will be denied any Chase card in case you’ve opened 5 or extra bank cards (from any issuer) within the final 24 months. Be aware that opening a Chase enterprise card should not add to your 5/24 standing, however you will typically have to be beneath 5/24 to qualify for many Chase enterprise playing cards.
Moreover, there are sign-up bonus restrictions on the Sapphire and Freedom playing cards.
Briefly, you will not obtain a sign-up bonus in case you’re a present Sapphire cardmember or have obtained a sign-up bonus from a Sapphire card up to now 48 months. This implies you possibly can’t personal the Most popular proper now and in addition get the bonus from the Reserve.
For the Freedom playing cards, you possibly can’t at present maintain the cardboard you wish to get a sign-up bonus for, and you’ll’t have obtained that card’s sign-up bonus up to now 24 months.
It is essential to recollect these restrictions when constructing your bank card portfolio — you will wish to be strategic about which card you open first.
Associated: The final word information to bank card software restrictions
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Associated: The perfect Chase playing cards
