Once I opened the Chase Sapphire Most popular® Card (see charges and costs) a yr in the past, I had no thought how shortly it could turn out to be my go-to software for incomes journey rewards — or how a lot worth I’d be capable to unlock immediately.
Since then, I’ve used it to guide worldwide flights, navigate sudden journey hiccups and learn to stretch factors way over I imagined once I first utilized.
Whether or not you’re new to incomes journey rewards or not too long ago picked up the cardboard your self, listed below are six beginner-friendly methods to take advantage of the Chase Sapphire Most popular.
Use the welcome bonus to assist cowl your subsequent journey
Incomes a welcome bonus is among the best methods for learners to kick-start their factors and miles journey, and the Chase Sapphire Most popular offers new cardholders the possibility to earn a significant quantity of Chase Final Rewards factors after assembly the minimal spending requirement.
As a result of Chase Final Rewards factors maintain sturdy worth and provide versatile redemption choices, that welcome bonus can stretch surprisingly far. A considerable stash of factors can simply cowl a home round-trip, a number of resort nights and even a part of a global itinerary.
Proper now, new cardmembers can earn 75,000 bonus factors after spending $5,000 on purchases within the first three months — a robust provide that averages slightly below $1,670 in spending per thirty days.
In the event you switch these factors to considered one of Chase’s airline or resort companions, the bonus is price about $1,538, based on TPG’s December 2025 valuations.
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Once I earned my 60,000-point welcome provide in 2024 (now not accessible), I shortly constructed on it with on a regular basis spending and ended up with 100,000 factors in a couple of months, which was sufficient to cowl a big portion of a three-week journey to Europe. A few of my redemptions included:
- 15,000 factors for a nonstop flight on Air France from Washington, D.C., to Paris
- 8,000 factors for a nonstop flight on Swiss from Zurich to Ljubljana, Slovenia
- 49,500 factors for a three-night keep at IHG’s Resort Indigo Florence in Italy
One of the crucial thrilling elements of beginning your journey card journey with the Sapphire Most popular is watching your factors rework into flights and resort stays. Making my first journey redemptions taught me simply how highly effective a single welcome bonus will be — particularly whenever you’re starting your factors and miles journey.
Associated: How I turned 100,000 Chase factors right into a multicountry European journey
Use the cardboard for on a regular basis spending to persistently earn factors
One more reason why the Chase Sapphire Most popular works so nicely for learners is its easy high-value incomes construction throughout classes most individuals spend in day by day.
A few of its key incomes charges embody:
- 5 factors per greenback spent on journey booked via Chase Journey℠ (excluding purchases that qualify for the $50 resort credit score)
- 5 factors per greenback spent on Lyft purchases (via September 2027)
- 3 factors per greenback spent on eating, choose streaming providers and on-line grocery purchases
- 2 factors per greenback spent on all different journey not booked via Chase Journey
- 1 level per greenback spent on the whole lot else
As a brand new cardholder, the best method to construct your factors steadiness is solely to make use of the cardboard in your on a regular basis purchases.
Throughout my first six months with the cardboard, I put almost each buy on it and watched my factors steadiness develop quickly — all from transactions I might have made anyway.
It’s a very good reminder that you just don’t want an advanced technique or a pockets filled with playing cards to maximise worth. Constantly placing your common spending on one sturdy card is sufficient to develop a significant factors steadiness when you learn the way the system works.
Reap the benefits of the cardboard’s built-in journey protections
One of many Chase Sapphire Most popular‘s most underrated advantages is its suite of journey protections that may prevent a whole lot of {dollars} if one thing goes incorrect on a visit. These embody main rental automobile protection, journey delay reimbursement and baggage delay insurance coverage — perks many learners don’t understand they’ve.
I discovered the worth of those protections firsthand after getting right into a minor accident in a rental automobile.
It’s the sort of state of affairs you by no means suppose will occur, however as a result of I’d paid for the rental with my Sapphire Most popular, I knew the cardboard’s main rental automobile protection was there to deal with any harm. In the long run, I didn’t want to make use of the profit since I wasn’t at fault, however having that peace of thoughts within the second was a profit all its personal.
The cardboard’s journey delay reimbursement is one other standout characteristic. In case your flight is delayed by a qualifying variety of hours or in a single day, you will be reimbursed for important bills like meals and lodging, making an unexpectedly lengthy journey day far much less anxious.
For a card with a modest $95 annual charge, these protections provide outsize worth, particularly in the event you’re touring internationally, renting automobiles or simply need added safety whenever you’re away from house.
Associated: Chase Sapphire rental automobile insurance coverage: What it covers and the right way to file a declare
Switch factors to journey companions for higher-value redemptions
One of the crucial highly effective options of the Chase Sapphire Most popular is the power to switch Chase Final Rewards factors to greater than a dozen airline and resort companions, together with United MileagePlus, World of Hyatt, Air France-KLM Flying Blue and British Airways Membership, at a 1:1 ratio.
Since Final Rewards factors are presently price 2.05 cents every, based on TPG’s December 2025 valuations, these transfers are sometimes the place learners unlock the best worth.
Transferring factors can really feel intimidating at first — I hovered over the “affirm” button longer than I care to confess on my first switch — however the course of is surprisingly easy. And when you do it, the door opens to flights and resort nights that will value considerably extra in the event you paid money.
Switch bonuses make this perk even higher. For instance, I not too long ago took benefit of a 25% Chase to Air France-KLM Flying Blue bonus, which meant I solely wanted to switch 15,000 Final Rewards factors for an abroad flight that required 18,750 Flying Blue miles.
Moments like that spotlight simply how far your factors can go when you know the way to reap the benefits of the proper alternatives.
In the event you’re new to the Sapphire Most popular, consider transfers as a next-step talent — one thing you don’t must grasp instantly however one which turns into extremely rewarding as you develop extra assured along with your factors.
Associated: The way to switch Chase Final Rewards factors to United MileagePlus
Ebook journey via Chase Journey for simplicity
In the event you’re not fairly able to switch factors (or simply desire to not), the Chase Journey portal is among the most beginner-friendly methods to make use of your rewards. As a Chase Sapphire Most popular Card holder, you’ve got entry to Chase’s Factors Increase characteristic, which will increase the worth of your factors when reserving via the portal.
With Factors Increase, Sapphire Most popular Card holders can redeem their Final Rewards factors on choose motels and flights at as much as 1.5 cents apiece and premium cabin flights on choose airways at as much as 1.75 cents apiece, all with no need to be taught airline or resort switch companions.
I not too long ago used Chase’s Factors Increase characteristic for a three-night keep at Resort Indigo Florence in Italy — a reserving that will have value almost $800 in money. Through the use of Chase Journey, I used to be in a position to guide the keep for simply over 49,000 factors plus charges, getting strong worth with out the effort of transferring factors.
Whereas transferring factors can generally unlock even increased worth, the Chase Journey portal stays essentially the most easy method to get dependable, predictable returns in your factors, particularly for learners or anybody who desires to maintain issues easy.
Associated: I am a Sapphire Most popular Card holder: Here is my Chase Journey Factors Increase technique
Use further perks for on a regular basis worth
Past its well-known journey advantages, the Chase Sapphire Most popular additionally comes with on a regular basis perks that add actual worth, even in the event you’re not touring often.
These advantages can assist offset the annual charge and provides learners extra causes to maintain the cardboard on the entrance of their pockets. Key perks embody:
- DoorDash advantages
- Unique entry to Chase Provides
- Buying and eating promotions
Considered one of my private favourite (and most used) perks is the complimentary DoorDash DashPass membership, legitimate via Chase’s partnership till Dec. 31, 2027 (relying in your activation date). Since DashPass usually prices $9.99 per thirty days (or $96 yearly), this profit covers the cardboard’s $95 annual charge by itself.
DashPass will get you $0 supply charges and lowered service charges on eligible orders over $12, plus 5% again in DoorDash credit on eligible pickup orders. Pair that with the cardboard’s 3 factors per greenback spent on eating, and also you’re stacking on a regular basis worth: You save on charges whereas incomes factors you’ll be able to later redeem for journey.
Once you mix these perks with the cardboard’s sturdy incomes charges and dependable journey protections, it’s simple to see why the Chase Sapphire Most popular stays one of many finest starter journey playing cards for learners.
Associated: Your full information to Chase and DoorDash
Backside line
The Chase Sapphire Most popular stands out as probably the greatest newbie journey playing cards as a result of it’s simple to make use of from Day 1, delivers quick worth and affords the flexibleness to unlock much more as you be taught the world of factors and miles.
Begin with the fundamentals through the use of it for on a regular basis spending, exploring the Chase Journey portal and profiting from built-in perks, and transfer into level transfers and extra superior methods whenever you’re prepared.
A yr after opening the cardboard, I’m nonetheless discovering new methods to maximise it. For learners, that’s precisely what makes the Chase Sapphire Most popular such a sensible and dependable place to begin.
To be taught extra, try our full assessment of the Sapphire Most popular.
Apply right here: Chase Sapphire Most popular Card
