Should you’ve spent any time round TPG, you recognize that the Chase Sapphire Most popular® Card is certainly one of our most beloved playing cards. We frequently advocate it as an important journey rewards card for learners and journey rewards veterans alike for its strong incomes potential, wonderful level redemption choices and comparatively low annual charge.
However if you happen to’ve already listened to us and gotten the Chase Sapphire Most popular, your subsequent card choice might sound extra daunting. It may well really feel like selecting your subsequent card is sophisticated. In actuality, there are loads of actually good card choices to take you to the subsequent section of your factors and miles journey. It is laborious to make a nasty alternative so long as you retain a couple of issues in thoughts.
Let’s break down the three main faculties of thought on which card it is best to get to pair together with your trusty Sapphire Most popular that can assist you determine which method is finest for you.
Three approaches
Your choices fall into three classes:
There isn’t a single proper reply that applies to everybody, so you may wish to take into account your personal scenario to find out which makes probably the most sense. Take into consideration what bonus classes you typically spend in, what loyalty applications you prefer and whether or not you wish to deal with Chase earlier than going over 5/24.
Associated: The facility of the Chase Trifecta
Choice 1: A card to earn extra Final Rewards factors
It is a nice alternative if you happen to like Chase’s switch companions and wish to earn as many Chase Final Rewards factors as doable on your dream journey.
With one of many Chase Freedom playing cards, you possibly can maximize your spending classes to earn much more of those factors out of your on a regular basis spending.
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On their very own, the Chase Freedom Limitless® and Chase Freedom Flex® are marketed as cash-back playing cards. Should you even have the Chase Sapphire Most popular, although, you’ll mix your rewards and switch them to the complete vary of Chase’s switch companions.
If you end up able to juggle a couple of playing cards however wish to hold incomes Chase Final Rewards factors, you should utilize all three playing cards (Sapphire Most popular, Freedom Limitless and Freedom Flex) to maximise your Final Rewards-earning potential on all your purchases.
Simply make sure to time your functions fastidiously to maximise your approval possibilities.
Chase Freedom Limitless
Annual charge: $0
Welcome bonus: Earn $250 money again after spending $500 within the first three months of account opening.
Rewards fee: With the Freedom Limitless, you may earn:
- 5% money again on journey booked by means of Chase Journey℠
- 3% again on eating
- 3% again on drugstores
- 1.5% again on all different purchases
Why this card pairs effectively: This card is great to pair together with your Chase Sapphire Most popular as a result of it earns 1.5% (or factors per greenback spent) on all purchases, which is 50% greater than the Chase Sapphire Most popular (1 level per greenback spent on purchases outdoors of its bonus classes).
Even with my very own extra superior card portfolio, this can be a card I attain for sometimes. It permits me to earn a good return on purchases that do not fall beneath most bonus classes, similar to auto repairs and specialty objects. With its present welcome bonus, it would make sense for many Chase Sapphire Most popular cardholders.
To study extra, try our full evaluate of the Freedom Limitless.
Apply right here: Chase Freedom Limitless
Chase Freedom Flex
Annual charge: $0
Welcome bonus: Earn $200 money again after spending $500 on purchases within the first three months from account opening.
Rewards fee: The Freedom Flex earns:
- 5% money again on as much as $1,500 in mixed purchases in bonus classes every quarter you activate
- 5% again on journey booked by means of Chase Journey
- 3% again on drugstore purchases
- 3% again on eating
- 1% again on all different purchases
Why this card pairs effectively: With this card, you may get 5% money again (or 5 factors per greenback) on qualifying purchases in service provider classes and at particular retailers that change every quarter.
For instance, throughout the first quarter of 2025 (January 1 by means of March 31), the bonus classes had been health membership and gymnasium memberships, self-care and spa companies, grocery shops (excluding Goal® and Walmart®) and Norwegian Cruise Line bookings — good classes to begin your yr whereas planning for spring and summer time holidays. This quarter even included an extra bonus class for March: tax preparation and insurance coverage.
This card provides you an effective way to earn extra Chase Final Rewards factors on totally different spending classes.
To study extra, try our full evaluate of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
Choice 2: A card to earn extra factors with a Chase switch companion
Should you persistently switch your Chase Final Rewards to a selected switch companion, like United MileagePlus or World of Hyatt, it is best to take into account a cobranded card to maximise your points-earning potential. A cobranded card may also present advantages related to that particular companion, like free checked baggage or complimentary lodge elite standing.
United Quest Card
Annual charge: $350
Welcome bonus: Earn 90,000 bonus miles and 500 Premier qualifying factors (PQPs) after spending $4,000 on purchases within the first three months from account opening.
Rewards fee: With the United Quest℠ Card, you may earn:
- 8 miles per greenback on United flights
- 5 miles per greenback whenever you prepay for a reserving by means of Famend Accommodations and Resorts for United® Cardmembers
- 3 miles per greenback spent on different eligible United Airways purchases
- 2 miles per greenback on all different journey, eating and choose streaming companies
- 1 mile per greenback on all different purchases
Why this card pairs effectively: Since United is certainly one of Chase’s most precious journey companions, this card will significantly enhance the worth you obtain whenever you switch your Final Rewards factors to United. For instance, when you may have a United Quest card, your miles will go a lot additional as a result of extra award availability supplied to all United cardholders.
You may additionally obtain a free first and second checked bag for your self and a companion and precedence boarding. Different advantages embrace two 10,000-mile award flight reductions (one after each card anniversary and one other you possibly can earn after spending $20,000 on purchases every calendar yr), 25% again on United inflight purchases and an as much as $120 World Entry, TSA PreCheck or Nexus utility charge credit score.
An automated annual $200 in United TravelBank Money may also assist take the sting out of this card’s $350 annual charge.
The United Quest card affords elitelike advantages you possibly can get pleasure from whereas taking the journeys you have redeemed together with your Final Rewards. Should you fly United usually, this can be a nice card so as to add to your pockets.
To study extra, try our full evaluate of the United Quest card.
Apply right here: United Quest Card
World of Hyatt Credit score Card
Annual charge: $95
Welcome bonus: Earn 30,000 bonus factors after spending $3,000 on purchases within the first three months, plus as much as an extra 30,000 bonus factors by incomes 2 bonus factors whole per $1 spent within the first six months from account opening on purchases that usually earn 1 bonus level, on as much as $15,000 spent.
Rewards fee: The World of Hyatt Credit score Card earns:
- 4 factors per greenback spent at Hyatt properties
- 2 factors per greenback at eating places
- 2 factors per greenback on airline tickets bought straight from the airline, native transit and commuting and health membership and gymnasium memberships
- 1 level per greenback on all different purchases.
Why this card pairs effectively: The World of Hyatt program is well probably the most priceless lodge switch companion supplied by Final Rewards, so you may wish to get pleasure from as many perks as doable when redeeming your rewards for stays at Hyatt.
You may obtain Hyatt Discoverist standing for so long as your account is open and 5 qualifying night time credit towards your subsequent standing tier yearly. Plus, you possibly can earn two extra qualifying night time credit each time you spend $5,000 in your card, making it a lot simpler to succeed in the subsequent tier of elite standing even if you happen to’re not on the street continually.
One other standard profit on the cardboard is the annual free night time you obtain after your cardmember anniversary (legitimate at any Class 1-4 Hyatt lodge or resort), in addition to an extra free night time at any Class 1-4 Hyatt lodge or resort if you happen to spend $15,000 in a calendar yr.
To study extra, try our full evaluate of the World of Hyatt card.
Apply right here: World of Hyatt Credit score Card
Choice 3: A card that diversifies your rewards
Suppose you’re feeling able to enterprise into one other issuer’s loyalty program. In that case, you may wish to open a card that can construct you one other set of transferable rewards. Listed here are some nice selections:
American Specific Gold Card
Annual charge: $325 (see charges and charges)
Welcome bonus: Earn 60,000 bonus factors after spending $6,000 on purchases within the first six months of cardmembership. Nevertheless, examine the CardMatch software to see if you happen to’re focused for a fair larger welcome supply (topic to vary at any time; not everybody will probably be focused for a similar affords).
Rewards fee: With the American Specific® Gold Card, you possibly can earn:
- 4 factors per greenback spent on eating at eating places worldwide (as much as $50,000 per calendar yr; then 1 level per greenback)
- 4 factors per greenback spent at U.S. supermarkets (as much as $25,000 per calendar yr; then 1 level per greenback)
- 3 factors per greenback spent on flights booked straight with the airline or on amextravel.com
- 2 factors per greenback on pay as you go lodges and different eligible purchases on amextravel.com
- 1 level per greenback spent on all different purchases.
Why this card pairs effectively: The Sapphire Most popular does not supply bonus rewards for grocery purchases, so this is a superb card to make use of at U.S. supermarkets.
The Amex Gold additionally affords a wide range of assertion credit geared towards foodies each calendar yr to assist offset its $325 annual charge. Enrollment is required for choose advantages; phrases apply.
Most significantly, you may diversify your rewards portfolio by accessing American Specific Membership Rewards. Amex’s loyalty program contains switch companions that Chase does not have, similar to Hilton Honors, Delta SkyMiles, ANA Mileage Membership and Qantas Frequent Flyer.
To study extra, try our full evaluate of the Amex Gold.
Apply right here: American Specific Gold Card
Capital One Enterprise Rewards Credit score Card
Annual charge: $95
Welcome bonus: Earn 75,000 bonus miles after spending $4,000 on purchases inside the first three months from account opening. Plus, obtain a $250 Capital One Journey credit score to be used within the first cardholder yr upon account opening.
Rewards fee: With the Capital One Enterprise Rewards, you may earn:
- 5 miles on lodges, trip leases and rental vehicles booked by means of Capital One Journey
- 2 miles per greenback spent on all different purchases
Why this card pairs effectively: The Sapphire Most popular has unbelievable switch companions, however they can not account for all journey purchases. That is the place the Enterprise Rewards can are available in. The miles you earn out of your Capital One Enterprise Rewards will be redeemed for assertion credit towards almost any journey buy.
The Enterprise Rewards permits you the chance to switch your miles to 15-plus airline and lodge applications, together with some companions that Chase does not have.
Beneficial additions embrace Wyndham Rewards, Turkish Airways Miles&Smiles and Selection Privileges. You even have entry to some shared switch companions like British Airways Government Membership, so pairing the Enterprise Rewards with the Sapphire Most popular may speed up your potential earnings with these applications.
This card additionally affords an as much as $120 in World Entry or TSA PreCheck utility charge credit score.
To study extra, try our full evaluate of the Enterprise Rewards.
Study extra: Capital One Enterprise Rewards Credit score Card
Citi Strata Premier Card
Annual charge: $95
Welcome bonus: Earn 75,000 bonus factors after spending $4,000 in purchases inside the first three months of account opening.
Rewards fee: The Citi Strata Premier℠ Card (see charges and charges) earns ThankYou factors on the following charges:
- 10 factors per greenback spent on lodges, automotive leases and sights (excluding air journey) whenever you e-book by means of CitiTravel.com.
- 3 factors per greenback spent at eating places, supermarkets, fuel stations and electrical car charging stations
- 3 factors per greenback spent on air journey and lodge purchases made outdoors CitiTravel.com
- 1 level per greenback spent on all different purchases
Why this card pairs effectively: The Citi ThankYou Rewards program affords a number of switch companions that Chase does not, similar to Qatar Airways Privilege Membership, Etihad Visitor and Turkish Airways Miles&Smiles. It additionally affords priceless bonus-earning charges at supermarkets and fuel stations, which the Sapphire Most popular does not.
This card additionally comes with a lodge financial savings profit price $100 off a $500 or extra single lodge keep (excluding taxes and charges) as soon as every calendar yr. Nevertheless, that keep have to be booked by means of Citi’s journey portal, limiting its utility to some extent.
To study extra, try our full evaluate of the Citi Strata Premier.
Apply right here: Citi Strata Premier Card
Backside line
No matter your alternative, you may construct on the data you have obtained by means of the Sapphire Most popular and take one other step towards paying on your subsequent dream journey with factors and miles.
Associated: How I selected my subsequent bank card with assist from fellow TPGers
For charges and charges of the Amex Gold Card, click on right here.
