Chase Sapphire® Card

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chase sapphire credit card
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355 reviews   Write a Review
Info about the Chase Sapphire® Card has been collected by CardHub to help consumers better compare credit cards. The card issuer did not provide the details.
Existing Cardholders
Change my rating to: Excellent

Chase Sapphire® Card’s Rewards

10,000 points
Base Earn
1 points / $1
Max Earn
3 points / $1
  • Earn 10,000 bonus points after you spend $500 on purchases in the first 3 months from account opening- that's $100 in rewards
  • Earn 2,500 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
  • 2X points on dining at restaurants.
  • 1 point per dollar spent on all other purchases.
  • There are no limits to the number of points you can earn and points never expire.

Chase Sapphire® Card’s Key APRs & Fees

Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
15.99% (V)

Chase Sapphire® Card’s Additional Info

  • MAX LATE FEE   $35
  • MAX PENALTY APR   29.99% (V)
  • GRACE PERIOD   21 days
    19.24% (V)
    5% (min $10)

Customer Questions and Answers

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Is the grace period really only 21 days?

Photo of Card H.
Feb 2, 2016
Yes, the grace period for this card is 21 days. Although that’s not as long as some cards’ grace periods, it’s still pretty good compared to the many cards with no grace period at all. Please let us know if you have any more questions.
1 Votes 1

What airlines accept Sapphire rewards?

Photo of Card H.
Feb 2, 2016
You will have to book through Ultimate Rewards, but flights from most airlines should be available. You can check out your options by signing into your account here: . Hope this helps.
1 Votes 1

Customer Reviews

Share your insights and review the Chase Sapphire® Card.

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4.4 out of 5

355 reviews
Photo of Mervyn B.
Aug 5, 2015
The Chase Sapphire credit card is definitely a great card to consider. The sign-up offer is hard to beat – 10,000 points after spending just $500 in the first 3 months, which is $100 in rewards! And, after that, you get 1 point for every $1 dollar spent, and 2 points when dining out. Also, there is no annual fee or expiration date on the points. It’s a win in my opinion!
Photo of Denise T.
May 20, 2015
I was introduced to this card by my bank...obviously, Chase. I was hesitant to stop using my Southwest Airlines Visa but soon realized that Chase Sapphire offers better rewards and faster. The one dollar for one point can add up quickly and with no expiration date, that is very useful. The initial 10,000 points if you spent $500 in the first three months is better than I've seen in most reward programs. The interest rate and late fee charges are about the same, they make it daunting enough not to want to take a chance on making a late payment. Overall this is one of the best offers I have more
Photo of RobRob R.
May 1, 2015
Chase Sapphire Card

- 10,000 points if you spend $500 in first three months. That is higher than any other credit card offer I can remember seeing.
- 2x points on restaurants is great because that is where I used credit cards most often.
- No expiration date.
- No annual fee.

- 5% cash advance fee.
- Balance Transfers (I've had the Chase Freedom card forever and I've never been allowed to do a balance transfer in at least 5 years and I have a $25,000 credit limit.)
- No mention if there is a cash back limit you must meet before you can redeem. I have frustration with several credit cards where you have to more
Photo of Kate M.
Apr 17, 2015
The Chase Sapphire card has an excellent rewards program, representing great cash back potential with no expiration date. A card like the Citi Simplicity is lacking in this department. Neither card has a annual fee. Citi might tote nice features like no late fees, and a smart chip, but they also have an unpredictable APR, which can fluctuate between 12 and 29%. Meanwhile, Chase holds steady at and APR of 15% and a $35 late fee. All in all, the Chase card may look like it has higher fees, but a responsible consumer may have a better experience with it.
Photo of Colby P.
Mar 30, 2015
The potential up front bonus on this card is really good. An extra $125 for purchases I was already going to make and and adding an additional authorized user. The APR rate is also lower than most other cards. However, after the initial bonus, the reward rate isn't that great. It would take awhile to rack up many points at this rate.
Photo of Kevin G.
Feb 26, 2015
My Chase Sapphire card has been pretty good to me. I try to stay on top of my payments with auto-pay but it’s nice that they extend a longer grace period than most institutions (despite it being a moot point for me). The penalty APR is not particularly friendly however (29.99%) so it was a no-brainer to put auto-pay into effect. I also found the customer service to be very helpful when I went abroad and they gave me a pro-tip to avoid foreign transaction fees (always ask to be charged in US dollars). All in all, a very quality credit card that’s been helpful in building my credit even more
Photo of Matt B.
Feb 11, 2015
The Chase Saphire Card is a great card to consider when looking to register for a new credit card. The rewards that are offered are an excellent way to benefit from everyday purchases that you already make. The reward that I am most fond of is the “2X points on dining at restaurants.” I love to eat out at restaurants, so the ability to earn twice the points while doing so is a huge positive for me. That, mixed with the fact that there are no limits on what you can earn and redeem makes this card a clear-cut winner in my book. I have to say that I could more
Photo of Zach V.
Feb 5, 2015
The Chase Sapphire Card is an excellent yet simple rewards card. I definitely like the points system because you can get more bang for your buck than a lot of cash back systems, especially if you dine out often. The best part is that the points never expire unlike the PNC Bank Points card for example. The incentives of gaining bonus points after the first 3 months of having an account is great. Things that I don’t like about the card include the relatively high APR max penalty and the multiplier of the bonus points is only related to dining out while other cards include groceries and gas now. However, more
Photo of Kimberly G.
Jan 30, 2015
Love, love, love this card!! I was originally debating on between this card and a Barclay card. After reading reviews on the sapphire, I decided to go with it. After adding an authorized user and spending over $3000.00 the first 3 months, I received $505.00 deposited right back to my bank account by paying for things I would have anyway. I love the benefits and also that there are multiple ways to get your rewards back, not just one way. The points add up very quickly and there is no limit to the rewards like some cards have. Highly recommended.
Photo of Dawn B.
Jan 6, 2015
Besides the bonus points for adding an authorized user, this reward program seem to be just like their Freedom card. Both cards have the same base rate but with the Freedom card you get bonus points in your top 3 categories not just on dining. Also, I believe the starting APR for the Freedom card is 13.99% so this one is higher. I can't say that I am to fond of the terms on this card.
Photo of Regan W.
Nov 12, 2014
This Chase Sapphire credit card takes rewards to another level! Every time you spend a dollar or more you earn points, and the best part is that they never expire. When I had a credit card through American Express I was always worried about using all of my points before they expire, but with Chase Sapphire my mind is at ease. There are so many different things you can use your points for, unlike American Express and other credit cards.
Photo of DeLacy H.
Oct 16, 2014
If you are looking to maximize your buying potential, the Chase Sapphire Card is the way to go. I really appreciate how quickly the points add up every time the card is used. I dine out often, and this card gives me two times the points those restaurant purchases. If you're like me, going over your limit is something accidental that can happen. With this card, you can go over your limit without a monetary penalty.Because I have gotten so discerning in my card selections, I dislike the apr on this one. It seems to be a little steep compared to other cards I have used in the past. However, more
Photo of Elizabeth M.
Sep 15, 2014
Chase Sapphire credit card is an excellent choice for someone looking to maximize their reward points! It offers many more rewards than my other favorite card, my AMEX Blue. You earn 2x points on all dining at restaurants and 1 point for all other purchases. These really add up quite quickly for some awesome rewards. I also enjoy to use my Chase Sapphire card because it offers a fair apr of 18%. I recommend this card to my friends and family who are looking to receive as many rewards as possible from their credit card.
Photo of Carrie S.
Sep 2, 2014
The Chase Sapphire offers much more than my Capital One Card. First off it offers this great point incentive. Anyone who spends like me is all but guaranteed that first $100. in travel rewards. And for a single person who eats out a lot, I would definitely benefit for the double points at restaurants.
It is great to receive points that for something that I love---traveling. And even better that I am receiving points without actually doing nothing except living my own life!
Photo of AL D.
Aug 24, 2014
i don't like the fact that this TRAVEL card has a FOREIGN TRANSACTION FEE.............CAP ONE Or B O A are better in that sense
Photo of Latasha H.
Jul 4, 2014
I love the Chase Sapphire card! Having access to customer service 24/7 is really helpful since I travel a lot and may need help late at night or early in the morning. The rewards are great too, and being on a budget makes me appreciate their no annual fee.
Photo of Dustin W.
Jun 17, 2014
This is my main day-to-day credit card. I've rarely been charged fees, I've been able to keep my interest rate low, and the rewards are as good as any other card I've found. Being able to transfer the points directly to the account balance is the main reason I went with it.
Photo of Alan B.
Jun 6, 2014
The Chase Sapphire Card is an amazing reward-based credit card that has no annual fee. I really like how the do not charge you to have this credit card. Also, the interest rate is quite low for a standard rewards card. Discover's rate is closer to 24%. Also, I like to dine out, so it's nice to get 2x the points for these purchases.
Photo of Mike G.
Jun 5, 2014
Once I was emailed by Chase and told that there had been extra charges to my credit card that were suspicious because of the large amounts and strange locations. They handled the situation promptly and assisted myself without any delay. I think they have an excellent support system and I also enjoy the benefits I receive at restaurants which help add up all the points I need to travel via air when the urge takes me. Would recommend.
Photo of Alex J.
May 9, 2014
I currently have the Spirit Rewards card and have strongly considered moving to the Chase Sapphire Card. The incentives are great. I rarely go into debt with credit cards so the high interest rate is not a concern to me.
Photo of Andy G.
Apr 17, 2014
I really like the Chase Sapphire card and have considered opening one up recently. The 10,000 bonus points reward is fantastic and the qualifier really isn't that difficult to achieve. The interest rate isn't that bad either compared to other similar options.
Photo of John H.
Mar 31, 2014
I've seen commercials for the Chase Sapphire card and I like their bonus system. However compared to other credit cards, the interest rate on this is a tad bit high, I'd recommend shopping around first before you settle on the Sapphire card.
Photo of Dawn M.
Mar 17, 2014
The Chase Sapphire Card is a real deal. It offers a reasonable interest rate and no annual fee. Users get 10,000 points for signing up and there is no limit to how many points you can earn. If you spend $500.00 in the first three months, they give you 10,000 additional bonus points! Great card.
Photo of Tyler W.
Mar 5, 2014
I have had this card for just under a year now and I like it My credit limit has been increased because I make all of my payments and also my rates are not high at all. I would like to see more rewards offered by them for doing well with the credit card, but I'm not going to complain.
Photo of Heidi L.
Feb 24, 2014
I have had this card for a very short time, however, in that time I have fallen quickly in love with it. It not only has a decent credit limit, but I am getting points for so many of my purchases. In the past I have used cards such as Capital One, and even Barclays. However, the fees were astronomical, and the benefits were next to nothing. I could not be more pleased with this card and the perks associated with it. Finally, I love Chase Bank. I do everything through them and they have always had superior customer service.
Photo of Iam N.
Feb 2, 2014
I've had this card for 10 months currently and it's the only one I have or will need in the short term. I'm new to the credit card scene and wanted to use a well-known name to get acquainted and build my credit rating. This Chase card has offered me no problems. So far, Chase has good customer service and protects me with any purchases they feel may be criminal, which I made on my own. It shows that Chase cares and that's great. It surprises how they respond so fast, I wasn’t put on hold and it took no time at all. I would recommend this card to everyone, more
Photo of Justin E.
Jan 31, 2014
The Chase Sapphire card offers some great incentives for individuals who travel or dine out a lot. The points reward program associated with this card provides great value in comparison to Capital One credit cards. In addition, it has no annual fee. However, the interest rate is a tad high, and there is a 3% balance transfer fee. Capital One gives you an initial 6 month 0% fee on balance transfers. Overall, the Chase Sapphire card looks like a good investment.
Photo of Chip S.
Dec 21, 2013
After considering it for a long time, I got the Chase Sapphire card and I have to admit, it has been one of the most versatile and efficient credit cards around. This card is perfect for people who tend to travel as you can earn points that can be allocated towards travel fares. There is NO annual fee for this card and you can EARN POINTS. That alone makes this card worth it. The APR is standard: not too high but not that low. Overall, this is a fantastic card and this will be in my wallet for the coming days.
Photo of Lindsay K.
Dec 17, 2013
The Chase Sapphire Card requires excellent credit so it's not for everyone, it offers
some good rewards. If you spend $500 in the first 3 months, you get $100
towards travel; which is great if you travel a lot. I wish they offered an intro
rate of some kind, even 6 months would be nice. The standard apr isn't the lowest
I've ever seen, but it's not the worst either. All in all, this card is ideal
for someone who may travel a lot for work (or pleasure) and can take advantage
of the travel rewards.
Photo of Karen C.
Dec 13, 2013
I like my Chase Sapphire Card because I earn points for travel, which I do often and hotels and airfare can get quite expensive. The card has no annual fees and an APR on the low side, so I use it when I'm low on cash and have to carry a balance. I don't mind because the points make up for that. Also, when I rent a car, it's nice to know that Chase will intervene if there is a problem with damages or any other disputed issues and try to resolve it for me.
Photo of Chelsea M.
Dec 11, 2013
The Chase Sapphire Credit Card is a great card to have. I have been a member of this card for quite some time now and have never been disappointed. In comparison to the Capital One Credit Card, the Chase Sapphire Card offers an excellent rewards system. If you have really good credit this card is the perfect one for you. I would recommend the Chase Sapphire Card to all my friends and family.
Photo of Bambi J.
Dec 6, 2013
The Chase Sapphire Card is an amazing credit card. It comes with an excellent rewards program, bonus points during the first month of use, and no annual fees. Chase always provides great customer service; any issues or questions I have had have been handled quickly, professionally, and completely. I think the starting APR is a bit high compared to similar cards by other creditors, but the other benefits make up for that. As long as you pay your bill on time you can keep the rate reasonable. If you're interested in a rewards card, definitely consider the Chase Sapphire Card. I know you'll be glad you did!
Photo of Jason B.
Dec 3, 2013
This card is really hard to beat if you ask me, combining a solid APR without adding in annual fees. The great support of Chase just makes it one of the most reliable cards that anyone can put in their wallet.
Photo of Scott B.
Nov 26, 2013
The Chase Sapphire Card has a low APR, no annual fee, and has access to a ton of rewards. The bonus offer is completely reasonable for a card, and almost guarantees the $100 back in travel rewards. Additionally, it's really great that the points never expire, so you can accumulate and accumulate until you have enough rewards to get something really great. However, you do have to do the rewards through Chase and it's not entirely quick to accumulate the points without spending a lot. However, if you made this card your primary credit card, you could really accumulate these points quickly.
Photo of Scott B.
Nov 22, 2013
The Chase Sapphire Card is definitely a great option for anyone who has excellent credit and is looking for a generous rewards program. I like that there's no annual fee and a 10,000 point initial bonus. The point structure from there looks very simple, 1 point for every dollar spent at minimum! I personally use my credit card a lot for dining out, so the double bonus on restaurants (even fast food!) is especially attractive. And in addition, travel and hotel expenses earn an extra point for every dollar spent. So if you have the credit score and are looking for great rewards, the Chase Sapphire Card is an exceptional option.
Photo of Angela M.
Nov 19, 2013
The rewards program of the Chase Sapphire Card seems very generous, especially considering that the points have no expiration date. Unless you're someone who absolutely doesn't use your credit cards, the initial bonus actually seems reasonable to me. (I often have health-related expenses to contend with, meaning that I can easily blow through $500 in three months.) Of course, you need an Excellent credit score to be eligible for this card, so chances are that you'll be declined. The max penalty APR for missed payments seems kind of steep, but I guess the logic behind this is that most users won't have to contend with this considering that they already more
Photo of Jon S.
Nov 11, 2013
This card looks great, and has excellent features. If you have a fairly good credit rating and are looking for a new credit card for large purchases, check out the Chase Sapphire. The bonus points add up quickly on larger purchases, and are great for gift cards or hotel stays at a variety of major hotel chains. This makes it a great card for frequent travelers as well. The Chase Sapphire card operates on the Visa network also, so you know it will be accepted pretty much everywhere. My only gripe is the somewhat high foreign transaction fee, which is annoying if you travel internationally. Overall, a great card though.
Photo of SilentKill E.
Nov 4, 2013
The chase sapphire card is just amazing. I go out to eat with my friends all of the time and I get rewarded for paying. The interest rate isn't bad at all at 15% I wish it could be a little lower, but other then that, I love the card design, and the customer service is very friendly. I tried Capital One and it was alright, nothing can compare to the Chase Sapphire. I HIGHLY recommend this card to my friends and family and anyone reading this review right now. Choosing the Chase Sapphire Card was a excellent choice that I do not regret. If you need a card, Go more
Photo of Allen M.
Oct 31, 2013
The Chase Sapphire is my go to rewards for everyday rewards. I use it to eat out and get rewarded for it. You get a hundred dollars for spending 500 in the first three months which was easily doable. I love rewards cards, I pay the balance off each months so interest is not something I look at but at 15% it is not as bad as it could be. The rewards on this make it easier for me to keep track of my spending and get rewarded for it. The only other card that could compare to it was the chase slate but I ended up going with this more
Photo of Corey S.
Oct 18, 2013
I just got Chase Sapphire a few months ago and couldn't be happier with the card. It's a rewards card, so the APR isn't the lowest, but it is completely manageable. If you spend 500 dollars in the first three months they give you back 100 dollars! Yes that's right, 100 dollars. They have great rewards for eating out at restaurants and even have a flat cashback rate for everything at 1%. This was the first card I tried to apply for and I got approved, so I am very greatly. I have nothing bad to say about Chase Sapphire.
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Last updated on: Feb 2nd, 2016 at 8:09 EST

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