The Chase Sapphire Most well-liked® Card (see charges and charges) is usually hailed as the perfect starter card for journey rewards — the primary card that rookies to factors and miles ought to get. And with good purpose.
Nonetheless, it is not only a card for newbies. Even the extra intermediate and superior factors and miles collectors usually have this card of their wallets.
Since this card’s present welcome bonus helps you to earn 100,000 bonus factors after spending $5,000 on purchases within the first three months of account opening, it is much more beneficial.
Listed below are six causes you may want the Sapphire Most well-liked, even in the event you’re now not a beginner.
Earn the welcome bonus greater than as soon as
Some extra skilled factors and miles collectors assume they will run into roadblocks with Chase’s eligibility guidelines. So long as you meet the next eligibility necessities, you possibly can earn a Sapphire Most well-liked welcome bonus:
- You have to be below 5/24, which means you could have had not more than 5 new bank cards (throughout all issuers) prior to now 24 months.
- You’ll be able to’t have acquired a bonus on a Sapphire card prior to now 48 months.
- You should not at the moment have any Sapphire playing cards open.
This eliminates many individuals who would in any other case wish to apply for the Sapphire Most well-liked. Nonetheless, as an example the Sapphire Most well-liked was considered one of your earliest playing cards and that you simply acquired the welcome bonus, redeemed your whole factors and closed or downgraded your card.
If it has been greater than 48 months because you final acquired the bonus, you will get it once more — so long as you fall below Chase’s 5/24 rule of getting fewer than 5 new bank cards prior to now 24 months.
Bear in mind, your 48-month clock begins once you obtain the bonus, not once you apply or shut the cardboard.
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The 48-month rule is one constructive for Chase in comparison with American Specific, whose once-per-lifetime restriction limits you from receiving a bonus on the identical card once more generally.
Fast points-earning
Whereas it is vital to maximise your on a regular basis spending, incomes welcome bonuses on new playing cards is without doubt one of the best methods to amass numerous factors rapidly.
In simply three months (or much less, relying on how briskly you possibly can spend $5,000), you will doubtlessly have sufficient factors for journey experiences reminiscent of:
- Three round-trip flights from the West Coast to Hawaii utilizing British Airways Avios
- 4 nights (at off-peak or customary charges) on the Grand Hyatt Baha Mar utilizing World of Hyatt factors
- A one-way Turkish Airways flight to Europe utilizing Aeroplan factors
Alternatively, in the event you e-book immediately via Chase Journey℠, you will nonetheless get a ton of worth in journey. With the Sapphire Most well-liked, your factors are price 1.25 cents per level when redeemed via Chase Journey. That is not as a lot as your factors could be price through switch companions, however it’s a strong worth for a easy redemption technique.
Associated: Easy methods to redeem Chase Final Rewards factors for max worth
Switch associate alternatives
A lot of Chase’s finest playing cards are marketed as cash-back playing cards, together with the Chase Freedom Flex® (see charges and charges), Chase Freedom Limitless® (see charges and charges) and the Ink Enterprise Money® Credit score Card (see charges and charges).
Nonetheless, when you have any of these playing cards with out additionally having an Final Rewards-earning card, your rewards are primarily simply legitimate for money again. Which means you miss out on the perfect advantage of the Final Rewards program: the switch companions.
To switch your Final Rewards factors to any of its airline and resort companions, you could have a mid-tier or premium card such because the Chase Sapphire Reserve® (see charges and charges), Chase Sapphire Most well-liked or Ink Enterprise Most well-liked® Credit score Card (see charges and charges).
Possibly you do not take care of the $550 annual price of the Sapphire Reserve, or you don’t need or want a enterprise bank card (although aspect gigs and freelancing do meet the {qualifications} for approval). That leaves the Sapphire Most well-liked as your finest guess for a mid-tier card that allows you to switch your factors.
Little to no studying curve
Typically, folks new to factors and miles apply for bank cards with out understanding this system’s intricacies or find out how to redeem factors. Many newbies might redeem the bonus factors from the Sapphire Most well-liked immediately via Chase Journey, which values the factors at 1.25 cents.
Now, there’s not essentially something mistaken with that method. In spite of everything, it is tons of of {dollars} price of journey you would not have had in any other case.
Nonetheless, in accordance with TPG’s April 2025 valuations, Final Rewards factors are price 2.05 cents every, greater than the worth you will get from utilizing your factors in Chase Journey. Fortunately, the educational curve for transferring your Final Rewards companions is not steep, permitting you to get most worth to your factors.
That is nice information in the event you’re already deep into one other issuer’s rewards program and are apprehensive about stepping into one other one.
Associated: From worldwide enterprise class to home hops: 6 of the perfect Chase Final Rewards candy spots
No overseas transaction charges
In case you journey internationally even yearly, having a card with no overseas transaction charges in your pockets is vital to keep away from paying extra to your purchases.
The Chase Sapphire Most well-liked meets that want. Because it earns 3 factors per greenback on eating and a couple of factors per greenback on journey purchases made exterior of Chase Journey, it would possible be closely used while you’re exterior the USA.
Associated: International transaction charges: The whole lot it’s essential know
Journey and insurance coverage advantages
We view journey protections and rental automobile insurance coverage as advantages which might be good to have, however we hope we do not have to make use of them. However, the Sapphire Most well-liked may give you peace of thoughts with quite a lot of insurance coverage advantages. These embody:
Even utilizing your Final Rewards factors or paying the taxes on an award flight qualifies for protection.
With airline meltdowns occurring extra often, resulting in delayed or canceled flights, it is vital to have a card with these advantages.
Backside line
The present welcome bonus on the Chase Sapphire Most well-liked permits new cardholders to earn 100,000 bonus factors after spending $5,000 on purchases within the first three months of account opening. In case you’re an intermediate or superior level and miles collector, you’ll have written off this card as being just for rookies.
However in the event you do not at the moment have the cardboard and also you meet Chase’s software restrictions, it is a card it’s best to extremely take into account including (or including once more in the event you’ve had it prior to now) to your lineup.
To study extra, take a look at our full overview of the Sapphire Most well-liked.
Apply right here: Chase Sapphire Most well-liked
