Why I am going to all the time preserve the Sapphire Most well-liked in my pockets

Being a factors and miles fanatic means I’ve a drawer filled with bank cards. Selecting which playing cards to hold in my pockets could be a daunting activity at occasions. Nonetheless, one card will all the time have a slot in my pockets: the Chase Sapphire Most well-liked® Card (see charges and costs).

The Sapphire Most well-liked was topped the Finest Journey Rewards Credit score Card on the 2024 TPG Awards for the seventh 12 months in a row. So, it is no marvel TPG staffers rank this as one among their favourite bank cards.

New Sapphire Most well-liked cardholders can earn a limited-time, highest-ever welcome provide of 100,000 bonus factors after spending $5,000 on purchases within the first three months of account opening. Primarily based on TPG’s April 2025 valuations, this provide is value $2,050.

Here is why the Sapphire Most well-liked will all the time keep in my pockets.

Strong incomes charges

Essentially the most engaging characteristic of the Sapphire Most well-liked for me is its excessive earnings charges in a mess of classes:

• 5 factors per greenback on lodges and automobile leases booked via Chase Journey℠
• 5 factors per greenback on eligible Lyft rides (via Sept. 30, 2027)
• 5 factors per greenback spent on Peloton tools and accent purchases of $150 or extra (via Dec. 2027, with a restrict of 25,000 bonus factors)
• 3 factors per greenback spent on eating, choose streaming companies and on-line grocery retailer purchases (excluding Walmart, Goal and wholesale golf equipment)
• 2 factors per greenback spent on all different journey not booked via Chase Journey
• 1 level per greenback spent on every part else

Eating is the largest spending class on my playing cards. The American Specific® Gold Card is my go-to card for eating at eating places worldwide due to its 4 factors per greenback incomes fee (on as much as $50,000 in purchases per calendar 12 months, then 1 level per greenback).

Nonetheless, as a world foodie, I typically discover myself at many hole-in-the-wall eating places that do not settle for Amex. That’s the place my Sapphire Most well-liked turns out to be useful with its 3 factors per greenback incomes fee on eating. The Sapphire Most well-liked is on the Visa community, so I by no means fear about acceptance.

Moreover, I like the two factors per greenback this card earns on journey booked outdoors of Chase Journey. Chase defines journey very broadly, and the commonest journey purchases I make — resembling ride-hailing, parking and public transit — code as journey.

Lyft is my ride-hailing app of selection. I take a minimum of 10 Lyfts on common per 30 days, so incomes 5 factors per greenback spent on rides with no cap helps me rack up Chase Final Rewards factors (via Sept. 30, 2027).

Associated: The most effective playing cards for worldwide journey

Versatile factors

One other main motive to hold the Sapphire Most well-liked is so you’ll be able to earn Final Rewards factors. Cardholders can redeem these factors via Chase Journey at 1.25 cents per level or switch them to one among Chase’s 14 lodge and airline companions.

Personally, I do not redeem via Chase Journey since my factors’ worth is considerably increased once I use switch companions.

Lately, I redeemed 30,000 Final Rewards factors by transferring them to World of Hyatt for a two-night keep on the Hyatt Centric Dublin the Liberties in Dublin over St. Patrick’s Day weekend when money charges have been operating over $450 per evening.

Associated: How a lot are Chase Final Rewards factors value?

Beneficial assertion credit

The Sapphire Most well-liked comes with a helpful annual $50 lodge credit score if you e book via Chase Journey.

I do not typically advocate reserving a lodge via a web based journey company like Chase Journey since reserving straight with the lodge is often finest. That approach, you’ll be able to earn factors with that model’s loyalty program.

Nonetheless, I like to recommend it if you’re overseas in cities the place the lodges you are eager about will not be a part of any main loyalty program.

Two years in the past, I used the lodge credit score for one evening on the Canzi Cataratas Lodge close to Brazil’s Iguazu Falls. Final 12 months, I used the credit score for one evening at a boutique lodge in Morocco.

Neither of those lodges was connected to a loyalty program, so I had no downside reserving via Chase Journey. These lodges have been a little bit greater than $50 an evening, so the annual credit score successfully netted me near a free evening every time.

Associated: 6 the reason why you need to e book straight with an airline or lodge

Stackable Chase Provides

Chase sends focused provides to cardholders, which means these provides differ relying on the cardholder. I typically see provides resembling further factors or money again at retailers and eating places I frequent.

These focused provides on the Sapphire Most well-liked are additionally stackable with the cardboard’s bonus earnings and with procuring portals.

Associated: Earn bonus miles with these airline portal promotions

Helpful advantages

The Sapphire Most well-liked features a handful of advantages that I exploit regularly. These embrace a complimentary DoorDash DashPass membership (activate by Dec. 31, 2027).

The DashPass membership could be very worthwhile to me as I order meals a minimum of as soon as a month, and DashPass waives the supply payment.

This card additionally has no overseas transaction charges and quite a few journey protections, which may also help me in case my plans go awry. That is important for me as a frequent worldwide traveler.

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Low annual payment

Many playing cards with comparable advantages and earnings charges have excessive annual charges. This makes the Sapphire Most well-liked stand out with its annual payment of simply $95. Its advantages, assertion credit and talent to earn Final Rewards factors present sufficient worth to simply outweigh its annual payment.

Backside line

The Sapphire Most well-liked is a bank card that can all the time be in my pockets. With its glorious incomes charges and no overseas transaction charges, it is the proper journey companion for avid worldwide vacationers like myself.

Most significantly, the Sapphire Most well-liked earns a versatile rewards forex within the type of Chase Final Rewards factors, which permits me to leverage switch companions to maximise my redemption worth.

To study extra, learn our full assessment of the Chase Sapphire Most well-liked.

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