Chase SapphireSM Card

Chase Sapphire Card Sponsored Card
  • Minimum Credit Required:Excellent
  • Annual Fee:None
  • Network: VISA
  • Rating:
    4.94.9 / 5 from 34 votes - Cast your vote!
 
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Rewards: Yes Type:  Points - Generic
Initial Bonus 10,000 points Base Earn 1 point / $1 Max Earn 2 points / $1 Earn / Redeem Limit No
Reward Details:
  • Earn 10,000 bonus points after you spend $500 in the first 3 months – that's $100 toward travel or any other reward!
  • 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.
 
 
Purchases:
Intro Rate Not Offered Intro Period N/A Regular Rate 15.24% (V)
Balance Transfers: 
Intro RateNot Offered Intro PeriodN/A Regular Rate15.24% (V) Balance Transfer Fee 3%
Cash Advances:
Cash Advance Rate 19.24% (V) Cash Advance Fee 5% (min $10)
 
 
Additional Info:
  • 24/7 Dedicated service advisors (No voice recording).
  • Premier travel and purchase protection benefits.
  • 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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Your Recommendation
4.9
Your Rating: 1 2 3 4 5  
Overall Rating: 4.9 / 5 from 34 users

If you currently have the Chase SapphireSM Card and are satisfied or you like the terms of this credit card offer please let your friends know.

 
 
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Related Credit Card Categories

Chase SapphireSM Card is related to the following credit card categories:

 
 
 
About the Issuer: Chase

Based on their website: "JPMorgan Chase (NYSE: JPM) is one of the oldest financial institutions in the United States. With a history dating back over 200 years, here's where we stand today: We are a leading global financial services firm with assets of $2.3 trillion. We operate in more than 60 countries. We have more than 240,000 employees. We serve millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients. We are a leader in investment banking, financial services for consumers, small business and commercial banking, financial transaction processing, asset management and private equity. Our stock is a component of the Dow Jones Industrial Average."

 
 
back to top Discussion

Share your experiences, thoughts or just ask a question:

  • Joe Weider:
    Recently in my little credit card review series, I’ve for some reason been comparing credit cards that could be considered close family, like the various Chase Freedom credit cards and the Discover More cards. I guess the holiday season is getting me in the family spirit, but whatever the reason let’s keep it rolling with a look at a Chase Sapphire credit card. Like a little brother or the proverbial redheaded stepchild, the Chase Sapphire Card often lives under the shadow of the Chase Sapphire Preferred card. You’d obviously assume that the preferred version would be preferable but we should at least see what the other guy has to offer. The plain old Chase Sapphire Card first offers 25,000 bonus points after you charge $3,000 on it in the first three months, and these points are redeemable for $250. Aside from that you get 2 points per dollar spent on dining and one point per dollar on everything else. There’s no special 0% intro rate with the Chase Sapphire Card and consumers must have excellent credit for approval. This last point is perhaps the most important because excellent credit is all you need to get the Chase Sapphire Preferred Card. For people mainly interested in getting an attractive initial bonus, the Chase Sapphire Preferred would be the way to go since it offers $50,000 bonus points, redeemable for $625 in travel or $500 in cash. If you don’t mind switching credit cards after a year, the preferred version of the Chase Sapphire would again be preferable because it offers 2 points per dollar on travel AND dining and 1 point for everything else. A $95 annual fee kicks in during the second year you’re an accountholder though, so you’ll want to close your account before that. Basically 2% cash back on travel and dining and 1% on everything else isn’t really all that attractive when offset by a nearly $100 annual fee is factored in. Ultimately then, the Chase Sapphire Card doesn’t have the word “preferred” along with it for a reason, so it should be behind it’s brother on your Christmas List.
 
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The card information shown on this page was last updated: May 23rd, 2012 at 1:05 EDT

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