For a restricted time, Chase is providing 80,000 bonus factors after you spend $4,000 on purchases within the first three months. Oftentimes, the sign-up bonus is barely 60,000 factors, so now could be an particularly good time to select up the cardboard.

Easy methods to earn factors

The Chase Sapphire Most well-liked earns a number of factors in a wide range of spending classes, which makes it a versatile card that may meet the wants of many sorts of folks. Let’s break them down. 

First, the Sapphire Most well-liked earns 5 factors per greenback spent on all purchases made by the Chase journey portal. That is the cardboard’s most profitable spending class. Personally, I solely ever use the Chase portal to make the most of the annual $50 resort credit score; final yr, I put it towards an airport resort for an extended layover. In any other case, I attempt to guide straight with airways and inns so I can earn miles and factors for my flights and stays.

That mentioned, you may nonetheless use this card for journey spending. The Sapphire Most well-liked nonetheless earns two factors per greenback spent on journey not bought by Chase. For this card, “journey” has a generous definition: It contains airfare and resort bookings, but additionally Airbnbs, automobile leases, cruises, taxis—even parking storage charges. Two factors per greenback isn’t probably the most profitable incomes charge (I take advantage of my American Express Platinum Card to earn 5 factors per greenback spent on airfare as an alternative), however the broadness of what counts as “journey” for the Sapphire Most well-liked can greater than make up for it.

This card’s different spending classes are extra aggressive: You earn three factors per greenback spent on eating worldwide (together with eligible supply companies and takeout); on streaming services (Hulu, Netflix, Spotify, and Apple Music all rely); and on online grocery stores (this excludes Goal, Walmart, and wholesale golf equipment, however contains meal package supply companies). So even once you’re not on the highway, the Sapphire Most well-liked can nonetheless earn factors that could possibly be redeemed for future journey.

At present, there’s additionally a singular spending class for the cardboard: You’ll earn 5 factors per greenback spent on qualifying Lyft rides by March 2025. This promotion could or will not be prolonged, so should you’re a frequent Lyft person, this card is value contemplating.

And eventually, the Sapphire Most well-liked has one further particular profit to it: the ten % anniversary factors bonus. Yearly, in your account’s anniversary, you’ll get a variety of bonus factors equal to 10 % of the full quantity of factors you earned up to now 12 months. For instance, should you spent $30,000 on the cardboard in a single yr and earned 30,000 factors, you’d get one other 3,000 factors merely for paying your annual payment and conserving the cardboard for an additional yr. 

Easy methods to spend/redeem factors

You’ll be able to simply spend your factors straight by Chase’s journey portal; the sign-up bonus of 80,000 factors alone is value $1,000 should you guide flights, inns, or rental automobiles through Chase. Once you’re able to make a redemption, nonetheless, I like to recommend transferring your factors to certainly one of Chase’s many airline and resort companions. 

For instance, even simply 55,000 factors transferred to Air France may get you a one-way enterprise class flight from New York to Paris—a ticket that would price upwards of $5,000 should you paid for it in money. That is the golden rule of factors and miles: It takes a little bit time and analysis to seek out the proper airways and the proper flights for you, however changing factors into airline miles on this method will nearly at all times get you extra bang on your buck.