Chase Sapphire® Card

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chase sapphire credit card
Required Credit Score:
Excellent
4.5 348 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.
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Existing Cardholders
 
 
 

Chase Sapphire® Card’s Rewards

Bonus
10,000 points
Base Earn
1 points / $1
Max Earn
3 points / $1
Earn / Redeem Limit
No
  • 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

Intro Rate on Purchases
Not Offered
Intro Rate on Transfers
Not Offered
Regular Rate
15.99% (V)
  • ANNUAL FEE None
  • BALANCE TRANSFER
    FEE
    3%

Chase Sapphire® Card’s Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT
    FEE  
    None
  • MAX PENALTY APR   29.99% (V)
  • GRACE PERIOD   21 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE
    RATE
    19.24% (V)
  • CASH ADVANCE
    FEE
    5% (min $10)
  • FOREIGN
    TRANSACTION FEE  
    3%
  • SMART CHIP   No
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Chase Sapphire® Card Reviews

 
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1 2 3 4 5
 
4.4
Overall Rating: 4.4 / 5
Total Ratings: 348
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Mar 30, 2015
Photo of Colby P.
3
By:
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.
Feb 26, 2015
Photo of Kevin G.
4
By:
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
Feb 11, 2015
Photo of Matt B.
4
By:
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
Feb 5, 2015
Photo of Zach V.
4
By:
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
Jan 30, 2015
Photo of Kimberly G.
5
By:
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.
Jan 6, 2015
Photo of Dawn B.
1
By:
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.
Nov 12, 2014
Photo of Regan W.
5
By:
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.
Oct 16, 2014
Photo of DeLacy H.
5
By:
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
Sep 15, 2014
Photo of Elizabeth M.
5
By:
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.
Sep 2, 2014
Photo of Carrie S.
5
By:
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!
Aug 24, 2014
Photo of AL D.
3
By:
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
Jul 4, 2014
Photo of Latasha H.
5
By:
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.
Jun 17, 2014
Photo of Dustin W.
5
By:
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.
Jun 6, 2014
Photo of Alan B.
5
By:
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.
Jun 5, 2014
Photo of Mike G.
5
By:
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.
May 9, 2014
Photo of Alex J.
4
By:
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.
Apr 17, 2014
Photo of Andy G.
4
By:
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.
Mar 31, 2014
Photo of John H.
3
By:
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.
Mar 17, 2014
Photo of Dawn M.
4
By:
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.
Mar 5, 2014
Photo of Tyler W.
4
By:
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.
Feb 24, 2014
Photo of Heidi L.
5
By:
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.
Feb 2, 2014
Photo of Iam N.
4
By:
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
Jan 31, 2014
Photo of Justin E.
4
By:
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.
Dec 21, 2013
Photo of Chip S.
5
By:
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.
Dec 17, 2013
Photo of Lindsay K.
5
By:
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.
Dec 13, 2013
Photo of Karen C.
4
By:
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.
Dec 11, 2013
Photo of Chelsea M.
4
By:
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.
Dec 6, 2013
Photo of Bambi J.
5
By:
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!
Dec 3, 2013
Photo of Jason B.
5
By:
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.
Nov 26, 2013
Photo of Scott B.
4
By:
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.
Nov 22, 2013
Photo of Scott B.
5
By:
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.
Nov 19, 2013
Photo of Angela M.
4
By:
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
Nov 11, 2013
Photo of Jon S.
4
By:
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.
Nov 5, 2013
Photo of Sean C.
5
By:
Nov 5, 2013
The Chase Saphire Preferred Credit Card is a beautiful credit card that is made out of a combination of metal and plastic. I've had this card for a while and find it to be an excellent card with great benefits. The bonus of 40,000 points redeemable for a statement credit of up to $500 is a huge win, but I would rather transfer these points to united airlines where I could make these points worth more than $1000. The annual fee of $95 is nothing compared to the benefits you receive (covers 5 years of annual fees), and if you really don't want to pay it you can just downgrade more
Nov 4, 2013
Photo of SilentKill E.
5
By:
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
Oct 31, 2013
Photo of Allen M.
5
By:
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
Oct 18, 2013
Photo of Corey S.
5
By:
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.
Oct 15, 2013
Photo of Lily Y.
5
By:
Oct 15, 2013
I found this credit card through mail advertisement. I really get lured into the bonus. It is really easy for me to spend $500 in 3 months. I like to redeem my rewards for cash back or gift cards. When I opened this card I used it to pay for a big bill ( tuition) and I was glad I did. Since I got enough points for $30 and I got my $100 bonus. There is no doubt that I am satisfied with this card. I find this card to be similar to the BoA cash rewards (3-2-1) card. I wish I would get more points on gas. I mean more
Oct 8, 2013
Photo of Bela K.
4
By:
Oct 8, 2013
I really like the Chase Sapphire Preferred Card. I use it for daily purchases. Although this card has many upsides, such as ease of usability (it is accepted at most places I go to), there are a few downsides. The grace period is only 21 days. I have had cards with grace periods up to 30 days, so 21 just doesn't cut it for me. Also, the max penalty APR rate is a bit high.

All in all, a good card. Not the best though. I would recommend it to those still in the process of building a good credit report.
Oct 4, 2013
Photo of Jeremy A.
5
By:
Oct 4, 2013
I love Chase Sapphire. I myself have Chase Sapphire Preferred, and it's currently my go-to card. I eat out a lot from fast food to restaurants, and the two points per dollar thing is what really drew me to this, plus I'm already a Chase customer so payments are incredibly easy. Would highly recommend.
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Last updated on: Mar 30th, 2015 at 10:02 EDT