This 12 months has been hectic, and between shifting and touring, I discovered myself counting on DoorDash, eating out and on-line grocery supply way over common.
At first, I felt a bit of responsible about how a lot I used to be spending for comfort. Then I remembered considered one of my favourite bank card methods: utilizing the Chase Sapphire Most popular® Card (see charges and charges) to earn bonus factors on eating (together with DoorDash) and on-line grocery orders. What as soon as felt like indulgent spending rapidly became a rising stash of Chase Final Rewards factors and a tangible step towards my subsequent journey.
The factors I’ve gathered thus far might not cowl a complete trip, however they are sufficient to cowl a major a part of the price.
Right here’s how my on a regular basis spending is popping into journey financial savings — and the way yours can as nicely.
Associated: 6 methods to maximise the Chase Sapphire Most popular as a newbie
Turning DoorDash, eating out and on-line groceries into helpful factors
Between a cross-country transfer and a packed journey calendar, meals spending added up rapidly. An internet Complete Meals order right here, an evening out at a neighborhood restaurant there — and loads of DoorDash orders in between. Earlier than I knew it, I used to be spending a major chunk of my month-to-month finances on meals.
Thankfully, practically all of these purchases went on my Sapphire Most popular, considered one of my favourite rewards playing cards in my pockets.
One of many card’s greatest strengths is its elevated incomes charges on on a regular basis bonus classes, together with eating and on-line groceries.
Listed below are a number of of the cardboard’s key incomes charges:
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- 5 factors per greenback spent on journey booked by Chase Journey℠ (excluding the $50 resort credit score)
- 3 factors per greenback spent on eating, choose streaming providers and on-line grocery retailer purchases*
- 2 factors per greenback spent on all different journey not booked by Chase Journey
*The elevated incomes fee for on-line grocery retailer purchases excludes Goal, Walmart and wholesale golf equipment.
One profit I didn’t anticipate to make use of (or take pleasure in) practically as a lot is DoorDash DashPass. Sapphire Most popular cardholders obtain at the least one 12 months of complimentary DashPass membership (activation required by Dec. 31, 2027), which incorporates free supply and decreased service charges on eligible orders.
Cardholders with an activated DashPass membership may also obtain $10 every month towards nonrestaurant DoorDash purchases, which has come in useful for comfort retailer and grocery orders.
After dozens of DoorDash orders this 12 months, the quantity I saved on supply and repair charges alone was substantial, and the factors added up simply as rapidly.
By placing practically all of my eating, DoorDash and on-line grocery purchases on the Sapphire Most popular, I earned simply over 22,000 Chase Final Rewards factors in 2025. That whole breaks down as:
- 20,307 factors from eating purchases (together with DoorDash)
- 1,829 factors from on-line grocery orders
In response to TPG’s December 2025 valuations, these factors are value roughly $450 when maximized by switch companions. That’s not sufficient to pay for a complete trip, but it surely’s greater than sufficient to meaningfully offset the price of one.
Associated: Your full information to Chase and DoorDash
Changing factors into a visit
After noticing how rapidly my factors had been including up from on a regular basis eating and grocery spending, I began dreaming about how I may flip them into an actual journey.
The most effective methods to maximise the worth of Chase Final Rewards factors is to switch them to considered one of Chase’s 10 airline and three resort companions, which just about all the time yields way more worth than redeeming factors for money again or journey by the portal.
With 22,000 factors, I may cowl a home or worldwide flight or a resort keep, that are bills I’d in any other case pay for in money. When paired with factors from different spending or welcome bonuses, these food-earned factors can offset a significant portion of journey prices.
Listed below are a number of methods I’m contemplating utilizing my factors:
- Spherical-trip flight from San Francisco Worldwide Airport (SFO) to Ellison Onizuka Kona Worldwide Airport at Keahole (KOA) in Hawaii for 22,000 factors on United Airways in March
- One-way flight from Dulles Worldwide Airport (IAD) to Daniel Oduber Quirós Worldwide Airport (LIR) in Costa Rica for 19,000 factors on Air France in April
- One-night keep on the Grand Hyatt Berlin for 15,000 factors in Might
Associated: How I turned 100,000 Chase factors right into a multicountry European journey
Ideas for incomes extra on on a regular basis spending
Incomes on on a regular basis spending might be as simple as a swipe, and also you don’t have to overhaul your habits to make this technique work. A number of minor changes can go a great distance:
- Take note of bonus classes: Know which playing cards earn probably the most on eating, groceries and supply providers, and use them deliberately. Even a 1- or 2-point distinction per greenback provides up rapidly over time.
- Stack perks when you may: Reap the benefits of built-in advantages like DashPass, month-to-month credit or limited-time promotions. These perks can prevent cash and improve the efficient worth of each buy.
- Watch the charges: Supply charges and repair prices can eat into your rewards if you happen to’re not cautious. Memberships like DashPass assist cut back these prices, making the factors you earn extra worthwhile.
Associated: How bank cards can flip at this time’s spending into tomorrow’s rewards
Backside line
Utilizing eating out, DoorDash and on-line grocery supply with the Sapphire Most popular hasn’t turned my on a regular basis spending into a complete trip (but). Nonetheless, it has given me a significant head begin on my subsequent journey.
Each burrito, latte and grocery supply now brings me one step nearer to touring, proving that even small, routine purchases can add up in an enormous manner.
By incomes additional factors on eating, DoorDash and groceries with my card, I’m turning on a regular basis spending right into a flight, a resort night time or journey bills I gained’t need to pay for out of pocket.
To be taught extra, try our full assessment of the Chase Sapphire Most popular.
Apply right here: Chase Sapphire Most popular Card
