Chase Sapphire Preferred® Card

Required Credit Score:
Excellent
2,520 reviews   Write a Review
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Chase Sapphire Preferred® Card’s Rewards

Bonus
50,000 points
Base Earn
1 point / $1
Max Earn
2 points / $1
  • Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $625 in travel when you redeem through Chase Ultimate Rewards®
  • Named a 'Best Credit Card' for Travel Rewards by MONEY Magazine
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • Sleek metal card design
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • 1:1 point transfer to leading frequent travel programs at full value – that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points

Chase Sapphire Preferred® Card’s Key APRs & Fees

Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
16.24% - 23.24% (V)
  • ANNUAL FEE Intro Fee of $0 for 1st yr, $95 after
  • BALANCE TRANSFER
    FEE
    5% (min $5)

Chase Sapphire Preferred® Card’s Additional Info

  • MAX LATE FEE   See Terms
  • MAX OVERLIMIT
    FEE  
    See Terms
  • MAX PENALTY APR   None
  • GRACE PERIOD   See Terms
  • ONLINE RESPONSE   No
  • CASH ADVANCE
    RATE
    25.24% (V)
  • CASH ADVANCE
    FEE
    5% (min $10)
  • FOREIGN
    TRANSACTION FEE  
    None
  • SMART CHIP   Yes, chip-and-signature
  • $0 foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance when used at a chip card reader
  • Travel confidently with premium Travel Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Trip Delay Reimbursement and more
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Customer Questions and Answers

Don't see what you're looking for? Submit your question about Chase Sapphire Preferred® Card to our community.

Is there a VISA version of this card? I travel overseas frequently and the best ATM network is for VISA, not MasterCard.
Reply

Photo of Card H.
Dec 5, 2011
Yes, it could get confusing because the Sapphire Preferred doesn't have the VISA logo stamped on the front, but this card is a VISA and you can use it anywhere where VISA cards are accepted. Best of luck!
34 Votes 83 49

if I plan on only flying once per year (domestic for continuing education courses), does it make much sense to keep the Preferred once the annual fee kicks in?
Reply

Photo of Card H.
Dec 14, 2015
The Chase Sapphire Preferred card was designed with travelers in mind and we think it's a must-have tool for any traveler since the points have the best value when redeemed for travel. Unfortunately, if you only travel once per year you won't be able to take full advantage of the perks of this card. However, we have a great interactive tool the finds the best card that matches your needs. It's called CardAdvisor and you can check it out at cardhub.com/cardadvisor/ . Hope this helps. Best of luck!
30 Votes 62 32

What is the Chase Sapphire Preferred card's grace period?
Reply

Photo of Card H.
May 19, 2016
It should be at least 21 days, but it can vary from account to account. If you already have this card, your grace period will be listed on your monthly statement.

Keep in mind that only purchases have a grace period, and you’ll only benefit from it when you pay your bill in full each month. Cash advances, balance transfers and checks do not have a grace period, so finance charges get assessed immediately. You can find more info on how grace periods work in these articles: cardhub.com/edu/how-credit-card-interest-works/ and https://wallethub.com/edu/credit-card-payment-timeline/20678/ .

Please let us know if you have any other questions! more
8 Votes 12 4
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Customer Reviews

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4.2 out of 5

2,520 reviews
53%
23%
15%
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3%
Photo of Card H.
Sep 28, 2015
Chase Sapphire Preferred is a top-notch rewards credit card that provides earnings befitting its gemstone-inspired name. Cardholders who spend at least $4,000 during the first four months their accounts are open are awarded with 40,000 bonus points redeemable for $500 in travel accommodations booked through Chase Ultimate Rewards or $400 in cash. The money train doesn’t stop there either, as users earn two points per dollar spent on travel and dining, one point per dollar spent on everything else and a 20% rewards bonus when using points to book travel directly through Chase.

What’s more, there’s little reason not to at least give this card a whirl, especially if you’re a more
Photo of Shawn S.
Apr 22, 2016
I got this card for the no international transaction fee on international purchases. However, the card is not capable of handling a PIN number which is practically required in many international countries. What's the point of an "international" card that won't work internationally? I'll be canceling it just before that $95 annual fee...
Photo of Angel F.
May 18, 2016
I added a pin to the card just called the company and they helped me
Out . Weird if they told you otherwise
Photo of Kaushik M.
May 18, 2016
It's not about card's capability, rather super security requirements abroad. In Europe and Asia you'll need a PIN with your chip reader unlike in the US, the combination is for near zero fraud-protection. What's the point having a chip card that can be easily used if someone steals it (this happens quite frequently in the US)?

You should have researched before traveling internationally. The credit card company provides you with a PIN in 3-4 days after you request them. It's our job to request because they don't know we will be traveling abroad. People, who travel aboard frequently, do know this.
Photo of Devin
Mar 8, 2016
I got this card mainly for the flight perks. I travel a lot so it's nice to get perks for spending money toward flying. At 50,00 points for a $600 flight or so, it's basically a steal. The points towards food is also very generous at 1 point per $1. If I were to need it there's always 24 hour customer service waiting to till but it's rare for anything to actually happen. The rare time I needed to call service was quick and painless. There isn't really anything I would improve as it's feels like I'd be asking to much. It's a solid card and I'd recommend it to mostly anyone.
Photo of Daniel F.
Feb 16, 2016
Any one had good luck when asking for the annual fee to be waived for the 2nd year?
Photo of Anna Q.
Feb 3, 2016
We used Chase points to rent a car through the Chase travel website, for which they tout primary rental car insurance as a benefit. Then they came through! Chase sapphire actually covered us for a >$4700 charge from a rental car accident (not our fault). Our accident was in England, but Chase still covered it. Chase card services were quick with communication, and although it took a little while to sort, they paid us back within 3 weeks of the charge to our credit card. It's miraculous to me that a credit card company actually stood behind one of their insurance benefit claims. Chase was already my favorite card, but more
Photo of Mike Y.
Dec 29, 2015
Very good card, easy application process, I love the fact that there's no transaction fees abroad, because I do alot of traveling. The interest rate is really low for me around 15 percent, the chase account management online is really smooth. I think this is one of my favorite cards hands down, especially for traveling.
Photo of Coty F.
Dec 18, 2015
This is one of the first credit cards that I had. It is a pretty good card. Unfortunately I wasn't able to take full advantage of the point system because I don't travel that frequently. Aside from that, it is a great card and it helped me get some car repairs at a reasonable (compared to other cards) interest rate. It also helped build my credit. The customer service was quite good and answered all of my questions.
Photo of Collin K.
Nov 26, 2015
This card is great. I got 590 dollars cash back after I spent 4k and added an AU to my account. That along with the 1% cash back, yielding me essentially 20% back on my 4k of spending. I love it, I can not complain. I will cancel the card when the AF comes up. Only used the card for the sign on bonus.
Photo of Kirchner A.
Nov 24, 2015
This has to be the best credit card I've ever gotten. The customer service is outstanding! I think everytime I call, the wait time is pretty much instant. The point system is awesome and the coverage for usage is well worth the annual fee. No more worrying about fraud, car rental insurance, or foreign transaction fees.
Photo of Christeen O.
Jan 9, 2016
Totally agree. An authorized card sent overseas with a simple request.
Photo of Sharon P.
Nov 3, 2015
I've had this Chase Sapphire Preferred credit card for over a year now and I love it. This is one of the best rewards program that I've come across, especially since I love to travel. Not only do you get 40,000 points after spending $4000 within the first 4 months, but these points are redeemable for $500 in travel when booked through Chase Ultimate Rewards, or $400 in cash. What's great about the Chase Sapphire rewards program is that they have partnered with a number of hotel and airline companies. This means that the Ultimate Rewards points are transferable 1:1 to their partners' rewards and miles programs. I've flown a more
Photo of Michelle A.
Jan 10, 2016
How many points would transfer over to a domestic flight in the US?
Photo of Jason R.
Sep 7, 2015
I have had this card for a few years now. The terms and conditions are normal, the rates are right around industry standards. I enjoy the card throughly and often cash in my points for cash. The only negative I have the card is the annual fee after the first year, I do wish this were about half of what it is.
Photo of Dave S.
Aug 19, 2015
Overall, the Chase Sapphire Preferred Card is a pretty good card. The late fee is standard within the industry at $35. The interest rate is pretty standard also at 15.99. It does offer rewards in the forms of points and a very solid 40k as a promotional bonus if you spend 4k in the first 3 months. I am personally a fan of the Chase Marriott Rewards card as I am a lifetime platinum member of Marriott but if I wasn't this card would be at the top of my list to potentially use.
Photo of Dayana J.
Aug 11, 2015
At first I opened my Chase Sapphire Preferred Card because of the bonus they were offering. I got 40,000 points for traveling by simply opening the card which was great for me because I travel a lot. I was able to get my free airplane rides and for every dollar I spend I earn one point which gets me cash back. I am very pleased with my card and plan on keeping it!
Photo of Julio B.
Jul 27, 2015
It's a great card. The security features and online access are really top notch. I have easy access to my account, and I have yet to have it compromised. The customer service is also really helpful and the website is easy to deal with. I've had much worse times with other major credit card companies
Photo of Latisha H.
Jul 21, 2015
Bad company and bad customer service they stole over 800$ from me and my family they transfered my awards with out knowing what was going on .. Customer service wasn't helpful and have to hire a attorney to get my money back from chase . please be ware before getting this card .
Photo of Scotch T.
Jul 3, 2015
I have been with chase for almost about 15-20 years and I absolutely love their service and customer support. Their credit cards and debit cards have really good credit limits and don't effect your credit score negatively. I like to use this card mostly when I am traveling because its benefits are great for example it has to fee when you do foreign shopping. The reason why I don't like this card is because it had an annual fee of $95 and is only good if you travel that much.
Photo of Kristin K.
May 20, 2015
I have had other Chase credit cards that just did not compare to the Chase Sapphire Preferred Card. The initial 40,000 bonus points are a great deal, but of course that deal may cost you in interest if you don't get that $4,000 paid off quickly. All things considered, the terms of the card make it attractive to anyone looking to rack up points quickly on everyday items.
Photo of Andrea J.
May 5, 2015
The reason I got the Chase Sapphire Preferred Card was for the amazing bonus offer. I opened the account to receive the 40,000 bonus points for traveling. I paid my grad school tuition with the card within three months of opening the card and received the 40,000 bonus points. With the points I was able to buy two, two way plane tickets to Los Angeles for free. I also really like the 1 point per dollar spent bonus because in the eight months between opening the card and going to California, I was able to get over $100 cash back.
Photo of Dexter M.
May 4, 2015
The Chase Sapphire Preferred Card is quite attractive and seems particularly useful if you're a traveler. The 40,000 bonus points ($500 travel equivalent) is a really nice incentive for spending $4000 in the first 3 months (if you're planning a big purchase or trip, apply for the card beforehand and take advantage), as are the 2X points for travel restaurants, and the point transfer for frequent travel programs. The clincher for me, however, is the 0% foreign transaction fee. That coupled with the other incentives for travelers is a great combination. My USAA Mastercard charges 1% on foreign transactions, which I tolerate but don't like. And I've seen plenty of more
Photo of Tommy C.
Apr 17, 2015
One thing I like very much about the Chase Sapphire Preferred Card is that you have a 21 day grace period. A lot of credit cards that I have looked at have a grace period of 10 days or less. One thing that i dislike about the card is the fact that there is no online response. I don't like that if I were to apply for the card that I would not be able to get an answer immediately and would have to wait for a response in the mail probably 7-10 days later.
Photo of Virg P.
Apr 10, 2015
The interest rate is higher than hell.
Photo of Chatana K.
Mar 31, 2015
In shopping for another credit card I would not choose this one. Currently I have the Capital One Quicksilver card which I love. I enjoy getting straight cash back on all purchases that can be used whenever and wherever I want, rather than a confusing point system like the sapphire card. I also do not like that there is a $95 dollar fee after the first year. After reviewing this card it will most likely not be the one that I choose.
Photo of Dana G.
Mar 16, 2015
The Chase Sapphire Preferred Card is a well-known company that has been around for quite some time. They have good interest rates and offer excellent benefits. I love the fact that there are no fees for foreign transactions. The only thing I don't like is the fact that there is an annual fee for the card after your first year. I don't like having to pay for a credit card, even one that has great benefits.
Photo of Jonathan C.
Mar 12, 2015
What i love about having this credit card is that the customer service is unbeatable compared to other banks i have dealt with in the past. Another thing that i like about the Chase Sapphire credit card is that there is no over the limit fees in case you spend a little too much without knowing. There is also no annual fee for the first year which is an added bonus. This is a credit card you will love.
Photo of Jessy S.
Feb 27, 2015
This Chase Sapphire Preferred card has a lot of good things to it (if you can qualify). Customer service is good which leaves a lot to say for other cards that answer in India?. There is no over the limit fee. Which is good for forgetful people. Cash advance is okay. No foreign fee.
Cons: Can not get a response online. The APR cash advance is high. The late fee is $35 but I guess that's normal.
Can't play with paying the card late. And only a 21 grace period is okay.
Photo of Jared P.
Feb 26, 2015
The Chase Sapphire Preferred card is a fantastic credit card. It does have an annual fee of $95 after the first year, so I can only recommend it to people who charge a lot of money to the card. Another bonus is that it doesn't charge fees for transactions in other countries, so if you travel a lot, consider this card. I have had excellent experiences with customer service for this card. I have received calls within the hour of there being questionable transactions and if I approve of them or not. I also have had my wallet stolen and I was able to call to cancel the card with more
Photo of Simran K.
Feb 16, 2015
The Chase Sapphire Preferred card has a lot of benefits for the purposed business person. It is an excellent card because it has no foreign transaction fees which is good if you work out of the country. Another good benefit that I love is the 24 hour a week service which is very patient. The people who work at the service center really help you out and never force you to do anything. Overall I love this card and it really gives you the best rewards that you don't get back from other cards since it has a really good cash back percentage. I love this card!
Photo of Tony L.
Feb 12, 2015
The Chase Sapphire Preferred card has great potential for the right customer. First and foremost, people must be aware that although the first year is free, each subsequent year has an annual fee of $95. For the casual shopper, this is something you will not make back in rewards points, as opposed to something like the Capital One Quicksilver with 1.5% cash back and no annual fee. However, if you are a frequent traveler or a big spender, the earning potential as well as the up front bonus of 40,000 points can make it a great card. Furthermore, the lack of foreign transaction fees also is great for the frequent more
Photo of Janet F.
Feb 5, 2015
I love the Chase Sapphire Preferred card because it has all the benefits that I need! I got it because I travel often and it has no foreign transaction fees. I also use the points that I earn while I travel for more travel! I can transfer the points to my airline easily. For the first year, they don't make you pay the $95 annual fee. The annual fee is pretty steep. i was originally going to cancel it after the first year, but I like the other benefits too much. It also is a very nice looking card - I get a lot of compliments on it!
Photo of Dena M.
Feb 5, 2015
The Chase Sapphire Preferred card has great benefits. It's easy to earn 5,000 points right away! We found that it wasn't hard to rack up points if we used it for vacation and the appliances we didn't expect to buy right after Christmas. The interest rate is higher than I would like but all credit cards are getting that way. The transfer rate is really good. I like that we didn't pay an annual fee the first year while we were trying it. If you like it then you pay $95 per year. It's one of the things I do dislike. All is all, this card is great for the more
Photo of Gail K.
Jan 6, 2015
The rewards provided on the Chase Saphire Preferred are a great reason to join. I also like the fact that there is no over limit fee! The introductory annual fee of $0.00 is also another compelling reason to sign up for this card. I have had other cards that don't offer that. The no foreign transaction fee is yet another great advantage! I have been abroad using a credit card not knowing that I would have to pay additional fees for every transaction. The balance transfer fee of 3% is also fair, almost 0%! I will be telling family members of the benefits of having a Chase Saphire Preffered card.
Photo of Ruth B.
Dec 22, 2014
I mainly got the Chase Sapphire Preferred for the sign-up bonus. So far I have been pleased with how my points are adding up quickly. Since I regularly use travel mileage cards for flights, this card's bonus of $100 was attractive enough for me to get it. I like that I can combine my points from this card with other Chase credit cards getting free flights even quicker. Since I also have the Chase Freedom card I can double up on getting my miles quicker. I plan to continue using thus card as my main credit card for now and use my other cards as secondary cards as I'm wanting more
Photo of Broc H.
Dec 17, 2014
Chase Sapphire is one of my favorite credit cards, for a number of reasons. First, it's one of the best cards for building points that can be converted into United Airlines points (among other airlines), and Hyatt Gold Passport points (among other hotels). Second, it is a way to be able to convert points earned by the Chase Freedom card, which has rolling 5x category bonuses, into Chase Rewards points. Most people these points as worth anywhere from 1.5 cents to 2 cents, which is more valuable than if you were to redeem the points for cash at 1 cent a piece. Third, it is one of the few cards more
Photo of Katie D.
Nov 24, 2014
I love this credit card! By putting most of our expenses on it, we have managed to rack up many travel points. We are definitely planning on using them for a trip overseas! We applied and were approved very quickly. The service is pretty easy and we haven't had any issues.
Photo of Patrice W.
Nov 10, 2014
The Chase Sapphire Preferred card is pretty handy to have compared to other cards. The interest rate is more reasonable than others. I travel quite a bit so not having foreign transaction fees is an added bonus. I’ve used several other cards when traveling and this is the only one that’s been pretty much hassle free. Their customer service is great. Any time I call they answer promptly and are extremely courteous. The only negative thing is the annual fee of $95. I would think that they would have left those in the 90s.
Photo of Lauren B.
Oct 24, 2014
Chase Sapphire Preferred is one of the best credit cards I have ever owned. I signed up after doing some research on which cards provide the most points for travel and I read about the 40,000 point bonus when you spend $3000 in the first 3 months. As I had my grad school tuition bill coming up, I opened the card and paid for my tuition using it. I received the 40,000 points and was able to book two round trip tickets from New York to Los Angeles California, for free. My friend who I am going to California with also opened up the card and is going to use more
Photo of Peggy S.
Oct 7, 2014
Even if you aren't a Chase Sapphire Preferred card holder, you hear enough about it! I always see commercials for this card! I really like the 40,000 bonus points for signing on. If you like the point-based system on credit cards, this is the one to pick. While I don't like the annual fee ($95 after the first year!), it is typical for this kind of card. I travel a lot, so pairing the purchase of the ticket with their point to mileage setup is really ideal for me. Similarly, I also really appreciate the lack of a foreign transaction fee. Those always get me with my other cards!
Photo of Brian I.
Sep 3, 2014
I have this card, and I love it. Since I love to travel, this is what I rely on every time. The bonus points was what got me to enroll in this particular card, and I did avail the 40,000 bonus points within the first 3 months of use, and I had no problem receiving it. Customer service was friendly, and always available, any time 24/7. The setback I would say is the annual fee of $95. I almost forgot about that, and was wanting to complain. As for interest rates, and late charges, they are about the same as most of my other cards I have, which isn't a huge deal for me.
Photo of Kami D.
Aug 11, 2014
I like this card, but it isn't the best credit card I own. My interest rate is fairly low. The customer servicer is available 24/7, and that is convenient for me being that I work late nights. The annual fee is a killer at $95 after the first year. The rewards add up fast!
Photo of Bronwyn C.
Jul 28, 2014
The Chase Sapphire Preferred Card is the card my husband is using exclusively right now as he travels for work. The annual fee and interest rate is too high, but his company reimburses us so we are not affected by that negative. The initial gift of 40,000 reward points makes the card most attractive. With all of his and our family's traveling it is easy to accumulate additional points, which we redeem often. In the long run, saves us money.
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Last updated on: May 24th, 2016 at 12:40 EDT

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