Chase Sapphire® Card
Sponsored Card
- Minimum Credit Required:
Excellent - Annual Fee:None
- Network: VISA
Points
| Initial Bonus 10,000 points |
Base Earn 1 point / $1 |
Max Earn 2 points / $1 |
Earn / Redeem Limit No |
- 10,000 bonus points after you spend $500 in the first 3 months - that's $100 toward travel rewards!
- 2 points per dollar spent at restaurants & 1 point per dollar spent on all other purchases.
- Points never expire and there are no limits on how many points you can earn.
- Redeem points for travel, gift cards, merchandise, cash back and more.
| Intro Rate Not Offered |
Intro Period N/A |
Regular Rate 15.24% (V) |
| Intro RateNot Offered | Intro PeriodN/A | Regular Rate15.24% (V) | Balance Transfer Fee 3% |
| Cash Advance Rate 19.24% (V) |
Cash Advance Fee 5% (min $10) |
- Premier travel and purchase protection benefits.
- Direct access to expert service advisors anytime.
- No Annual Fee!
- Max Late Fee: $35
- Max Overlimit Fee: None
- Max Penalty APR: 29.99% (V)
- Grace Period: 21 days
- Online Response: No
- Foreign Transaction Fee: 3%
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Before applying for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the Chase Sapphire® Card shown on this page.
The card information shown on this page was last updated: June 6th, 2013 at 5:14 EDT
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The Chase Sapphire Rewards card is the best credit card I have ever had without a doubt. The customer service that this company gives far exceeds the standards set by its competitors and has won my business despite being asked to apply for many other cards. The rates are great for my personal needs which include grocery shopping, traveling, gas purchases, and gift purchases. If you have a Chase account then the experience is just made better because you can combine your accounts to make it easier to reconcile your accounts at the end of the month. Definitely recommend to new credit card users.
April 20, 2013 at 01:20am
I’m relatively new to the Chase Sapphire card but was eager to take it, and so far so good. I took it for the bonus of 10,000 starting points towards some traveling plans. A fairly large purchase was coming up so I figured I'd put it on this card. It was like saving $100 bucks. There's no annual fee so it works perfectly in that respect. My experience with customer service has been good. I've found if you work some of these points cards they cay really pay off. As far as rates and fees with Chase, they are a little high. I try to pay the balance down quickly. With earning points and no annual fee to worry about it works out.
March 29, 2013 at 02:44pm
My wife and I have had the Chase Sapphire card for some time know and are thoroughly satisfied to this point. We have had a myriad of credit card over the years which has given us a lot of experience with credit companies. Having consolidated our debt a few years ago we paid off and closed most of the accounts at that time. Deciding that another card was needed we applied for the Chase card. The rate was good, but it has been the service that keeps us loyal. Anytime there is a need to contact customer service the experience has been pleasant and helpful. We had no problems when questioning charges or for any request. I would recommend this card and this company.
March 6, 2013 at 04:12pm
I have had my Chase Sapphire card for probably close to 10 years. I first used it for 3% back on gas, but then they switched to a points system. I now have accumulated almost $500 worth of points which is awesome. I am hoping to accumulate even more so that I can use the money to pay for my honeymoon someday. What I really like is they give you double points for restaurants. I also like the website which is very easy to use and I setup automatic bill pay so I never have to go to the post office ever again.
February 11, 2013 at 03:39pm
I have had my Chase Sapphire card for about 6 months and so far so good. Reward points are credited as they should be and the online banking service is great. The rewards mall is huge and the payout options are very flexible. They are primarily why I chose this card in the first place. Not being locked into a certain type of reward is great. I can buy airfare, items through the rewards mall, or get cash back on my statement. I have not had to use customer service, but I understand they are one of the better operations in the industry. The card doesn't disappoint and I'm sure you won't be either.
February 1, 2013 at 08:17pm
I've had my card for a little over 2 years, and it has not disappointed me yet. Their customer service is very friendly and have been very helpful in a number of manners. My husband and I took a trip for our anniversary and one night he lost his credit card. The next morning he called, and they helped him go through his previous charges and then helped him cancel the car. We received a replacement within days. I was very impressed with how nice and helpful they were. I also really love their reward system. Just for getting the card I got 10,000 points within the first 3 months! And after that you get 1 point per 1 dollar, and in some cases 2 points. They are easy to redeem and they have a ton of options to redeem your points for. I recommend this card to all of my friends.
January 25, 2013 at 03:10pm
The best part about this card isn't the rewards or customer support (which are great), but that fact that the credit card number is on the back of the card. I have had countless confused expressions from people about this card because the numbers aren't where they are supposed to be! I think this is great because it forces the cashiers to pay attention to the card and really check that it is legit, that I am the authorized user, plus it's a fun way to start a conversation with people. The rewards are awesome, and Chase's online system for credit card managing is the best I've worked with. I haven't had any fraud issues but have heard that Chase is great for resolving them. Hope this helps you figure out the best card for you!
January 8, 2013 at 05:47pm
I have just recently within the last year received this card and I decided to get one because my wife has had it for a while and has had nothing but good things to say about it. I used the low balance transfer percentage when I first applied and that alone has saved me so much money coming from a higher percentage card the balance was previously on and allowed me to pay the balance down much quicker. I have also found the customer service to be outstanding I made a call because there was a purchase I was curious about and during the call the representative I was dealing with noticed that I also have a mortgage with Chase and while I was on the call not only did he take care of the charge that was in question but also managed to reduce my cards interest rate byt 1.5 percent because I have my mortgage with them. I was completely surprised by this honesty and amazing customer service to go above and beyond for me. I have had many credit cards and dealt with many reps in the past and I never recall a customer service rep just randomly finding out that he can reduce my interest rate, This was an experience I share with others and will keep me a Chase customer for years to come.
December 14, 2012 at 02:49pm
My wife and I have been using this credit card together for the past three years and I absolutely love it, I don't even use other credit cards because this one works so well for me. I do sometimes carry a balance and the rate is so low I forget it even exists most of the time. We also get rewards whenever we use it, so I can get movie tickets or gift cards, but now I just connect my rewards straight to amazon and use the money there, which is always exciting. Chase is a trustworthy company that I have been with ever since they took over Washington Mutual, which I had been with since 2000, so I trust them to take care of my needs every day.
December 7, 2012 at 03:36pm
I got this card about 2 years ago and it has replaced all of my other cards and it the only one I use now. I originally got it because I wanted a card from a bank I trust and I also heard that the customer service with this card was top notch. The sign up was quick and easy and I got my card with a week or two. You get free reward points upon signing up (I can't remember the exact amount) which was a nice way to start. I have found that the reward system is easy to use, points are easy to earn and redeem, and they have rewards that I actually want/use. I dealt with customer service one time, when I lost my card while traveling. They handled everything quickly and efficiently and I had a new card before my trip was over. All in all, while the rate is only average, the rewards program makes this card worth giving a shot.
November 30, 2012 at 05:27pm
I have has this Chase card for more than four years and have to say that I have been pleased with my experience. One of the top features of this card is the ability to change your payment date. My Chase bill used to come about two weeks before my other bills and it was a hassle to always remember to pay that bill at a separate time for the others. I really prefer to sit down and pay all of my monthly expenses at one time. So, I called customer service and they were very happy to help me by moving the payment date back to the end of the month. In fact, the date was changed the very next pay cycle. This has made life much easier for me. When the bill was due earlier in the month, I was late with one payment, and they charged me a large fee, but it was my fault for missing the payment, and they were gracious enough to change the pay date without any penalty or extra expense.
November 1, 2012 at 02:57pm
I have been pretty happy with the chase sapphire card since I have had it. The rate is not the best but it is not the worst either. It was very easy to apply and I got my card pretty quickly after I did. The rewards program is pretty good, I was awarded a good amount of points upon sign up and they have a good program for a few different airlines to gain points. The few times I have had to call customer service they were pretty fast and friendly. After 2 years I have nothing bad to say so I would recommend this card for people looking for a no annual fee card.
October 11, 2012 at 04:05pm
Basically, an excellent credit card. It's really difficult deciding how to even know which credit card is right for you, but I got a letter in the mail from Chase saying I may be eligible (they always say that!) but as it turns out, I was. I've always been scared of credit cards, my father always said they're a bad thing....but the truth is, they're a necessity in the modern world. This card is great for two reasons: 1. the rates are reasonable and 2. it's a good credit builder without being extortionate. I confidently use it for some small stuff, like movie tickets, and then instantly pay it off. That said, I like that I could fall back on the card in the time of an emergency.
October 11, 2012 at 01:53pm
Visa has been the only credit card company that I've used since I started using credit cards and the Sapphire Card is one of the very good ones. The card is good for people who are familiar with the perks and point system on credit cards, but it is also a very good credit card for a new credit card user, such as a teenager. It's easy to get used to and the rewards are a major bonus. I kind of got the card out on a whim, because I barely knew anything about it, but the card just kind of grew on me. The no annual fees is nice, and it has a very low interest rate. I recommend this card for anybody who wants a solid company owned credit card with great service and function.
October 11, 2012 at 01:34pm
I've been using this card for a few months now, and I have to agree with the other comments, this is a solid credit card. I was recently traveling abroad when my luggage along with my chase card were stolen from my hotel room. After returning to the states I was able to contact a representative over at Chase and let them know of the situation. They were very helpful in helping me close the card and the whole process took no more than 15 mins. All in all their great customer service and the rewards featured with this card will keep me a happy customer in the months to come.
September 5, 2012 at 08:52pm
I have been a loyal customer with Visa for 15 years now. I enjoy my card and have given up having any other logo's , like MasterCard, and Discover. Whenever I am required to provide a credit card, I know that I can count on my Visa to be there when I need it. I have had other cards that some retailers do not acknowledge and it leaves me scrambling to figure out how to remedy the situation. Thank you Visa for being there for me and my family when we have needed you. You have found a loyal customer in me for the rest of my life.
August 31, 2012 at 05:45am
I had this credit card a few years ago and ran it up like an idiot. But when I did have it, along with others, Chase was one of the few companies that worked with me to lower my interest rates and tried to help me get back on top of my expenses before I was completely out of my credit. I also did enjoy the reward points as well, especially after having the card for nearly two years, using it like crazy, and not having any idea that they were there. Needless to say, it was a nice bonus to find when I did get to it. I like Chase overall though. They are much better then the one I had in high school which shall remain nameless.
August 31, 2012 at 04:52am
I've had this card for over a year now and it's the only one I will need in the near future. I wanted to get familiar with credit card use and build my credit, and this card is a great option. Chase also has excellent customer service, once in the Oakland airport I was charged for wifi access which did not work, when I arrived home I called Chase and they explained that this happens a lot and they said they would remove the charge. It surprised me that they responded so fast, I wasn’t put on hold or anything. I would recommend this card to people who maybe aren’t so familiar with credit cards or want a backup card. The card also is aesthetically pleasing; the front is very minimalistic and crisp looking.
August 22, 2012 at 07:04pm
I got this card only a month ago at the recommendation of a friend. I hadn’t really heard about this card before, but my friend said they’d been using it for quite a while and hadn’t encountered any issues. I think everything is going very smoothly with it, so far. The rewards are good and I haven’t had to complain about not getting them. My favorite feature has got to be how open the points are—meaning that I can use the internet to keep track of my rewards at any time. Compared to my previous card, this credit card is wonderful and I foresee no issues with it in the immediate future.
August 15, 2012 at 05:59pm
I do not currently have this credit card but for unrelated matters. I was pretty happy when I did have it. I need to build my credit back up to even be accepted for this card again I believe now. Anyway, when I had this card I enjoyed no annual fees because it was the first card I had with that benefit. I also liked gaining reward points because it was also the first card I ever had with that option as well. The low interest rate is also great! Ahhhh, I miss having good credit but I assure you this card is not the reason why my credit fell into the bad realm. I won't be able to get a card with this card's type of interest rate for quite some time I believe. There was a few times I was annoyed with having this card but it is good that they annoyed me because it shows that they are on top of things and making sure nobody stole my card. They called me a few times to make sure I had made certain purchases, each time when I was out of state. At the time I was just annoyed because I was young and thinking they were spying on me and not trusting me with my own card, but in reality they were looking out for my best interests.
August 6, 2012 at 07:07pm
I got this card about 8 months ago because I needed a card that offered rewards. After doing some research the Chase Sapphire Card seemed like it would be the best deal. They offered me 10,000 points to sign up and there is no annual fee. I have not had to contact anyone at the company yet, so as far as customer service, I really do not have any information. At this point in time I have no negative comments. Some of the positives about this card are that I can go to their website and check my points balance at any time. Also on purchase at restaurants, I earn double points. I have made a habit of using this card exclusively when dining out to take advantage of this. The points really seem to add up quickly when doing this. So far, very positive experience.
August 6, 2012 at 04:27pm
I got this credit card because I wanted to transfer a balance from another credit card with a higher interest rate. The customer service was great concerning the transfer transaction. I was a little disappointed that there was an additional fee for transferring the balance, but overall I believe it was a good investment. I would have paid much more in fees/interest had I not transferred the balance. I really like the rewards program because I am all about getting paid to make purchases. I am hoping that this card with the reduced interest rate will really help me to get my debt under control. I hope that I will continue to have great customer service experiences and be able to keep my debt on this card and pay it off in a reasonable amount of time.
August 1, 2012 at 08:58pm
I first wanted this credit card after seeing my mother having it since it was so pretty, a sapphire blue, who wouldn’t want it! But after getting it I was extremely satisfied with having it. It gives you such superb rewards, like getting 10,000 bonus points after the first three months and you spend $500. Also, if you spend a certain amount of money you can get that money back which is pretty awesome. You can also get offers relating to miles, which is about 20% off the airlines that are partnered with it. I was really worried at first about the interest rate, but after having it for a while I realized that it was nothing I had to worry about at all, I didn’t even notice the annual fee or interest rate since it is really small anyway.
August 1, 2012 at 05:20pm
I got this card based on a recommendation from a friend and can't say I've regretted the decision at all. Aside from having a nice little reward system, it also has barely any fees whatsoever to speak of. Not to mention, the customer service here is some of the best around. They've always helped me with my issue, been very polite, and acted as if they actually cared about my inconveniences. It's also worth mentioning that the online service they have in place is very easy to use, highly efficient, and has a solid amount of security behind it. I honestly don't see myself changing my card ever again and absolutely recommend it to anyone (especially any college students) looking for a new card or alternative to the one they already have.
August 1, 2012 at 04:51pm
I got this credit card because I wanted to improve my credit. This credit card gives you great rewards. It has a nice introductory incentive, you can earn 10,000 bonus points after you spend $500 in the first 3 months. The Points you gain never expire and there are no limits on how many points you can earn. You can redeem points for travel, gift cards, merchandise, cash back and more. I have to say that I am a big fan of this credit card and this one is definitely solid and a nice reward to have for anyone. It also has a twenty four- seven dedicated service advisor. I love that. I hate to talk to machines.
August 1, 2012 at 04:39pm
I have owned this Credit Card for several years, being upgraded to Chase Sapphire a couple of years ago. Normally, I would keep a small balance, and sometimes I would pay it off entirely. Overall, I have had positive experiences with this credit card. Two examples jump immediately to mind. First, my wife was traveling in Asia for school and she used the credit card to purchase something. I immediately received a phone call from their fraud detection unit asking me if these charges were authorized. Second, I have occasionally used the automated systems with operators' assistance. The bank's customer service has always been wonderful. Finally, and most importantly, I have enjoyed the rewards I have received. I have mostly taken cash back, but a long time ago, I would seek travel benefits and electronics and never had a problem. I would strongly recommend this bank for credit card usage.
August 1, 2012 at 03:19pm
I jumped on the chance to get 40,000 points from Chase when they offered it a few months ago. So far the Chase system and credit card is a relatively good credit card that offers a prorated amount of miles, approximately 20% off partner airlines. After earning your points you can also cash them out for cash if you so prefer. I've only had to contact Chase once to inquire about a charge and the customer service rep was kind enough to delete the charge as it was on their fault of their system. The APR is normal (~14-18% depending upon your credit worthiness) for a rewards card. Great card with a few perks that make it worth it. My Chase Sapphire is branded a visa so when the vendor doesn't take AMEX or Discover I whip this guy out to keep my rewards coming.
July 25, 2012 at 05:12pm
I have had a Chase Sapphire Card for about a year now and use it frequently. I usually pay off most of my balance each month, and have been gaining rewards points too. The rewards program is great, and it's not something you will find with other cards out there. You can pick out free stuff with your points, and even get money back. There is no annual fee which is the best part in my opinion. I have not had any trouble out of the company or using the card, and it is definitely one I would recommend to others. You really need to have excellent credit to get this card, but it’s also one of the best cards out there.
July 25, 2012 at 02:24pm
Unlike most others, I did not have a positive experience with this credit card, or with this bank in general. They offered a "bonus point" program that seemed great and worthwhile, but after the first three months, I noticed that I had not been rewarded all of the points I should have been. In fact, after some calculations, I found that they had cheated me out of at least 50 % or more of my points, and when I called customer service, it took over an hour before I was able to talk to a representative, and another two hours until someone was finally able to solve the problem (after much confusion and arguments). Overall, the amount of time spent dealing with the point system issue, on top of long waits and poor customer service, was not worth it for me. I no longer use this credit card, and I have switched to one that better suits my tastes.
July 25, 2012 at 01:11pm
Out of all the credit cards that I have had, this one is by far my favorite. Although you do need to have outstanding credit to even qualify for this card, once you do, you are never going to look back. The rewards program is great, there is no annual feel, the interest rate is fairly slow, and it looks great! The bonus points are very easy to earn and I've been using it to book for travels just like what they advertise on the commercials. I would recommend this card to anyone looking for a card that offers an excellent rewards program. Another thing that I like about this card is it can be linked to your chase checking account online. It is a positive to be able to check my balance in my bank and see what I've been spending on my card. Again, that is just for customers with a Chase checking account however.
July 12, 2012 at 06:23pm