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Chase Sapphire Preferred® Card

chase sapphire preferred credit card Sponsored Card
Required Credit Score:
Excellent
4.5 2,017 reviews   Write a Review!
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Chase Sapphire Preferred® Card’s Rewards

Bonus
40,000 points
Base Earn
1 points / $1
Max Earn
2 points / $1
Earn / Redeem Limit
No
  • Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate Rewardsâ„ .
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • 1:1 point transfer to leading frequent travel programs at full value – that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.

Chase Sapphire Preferred® 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 1st yr, $95 after
  • BALANCE TRANSFER FEE 3%

Chase Sapphire Preferred® 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  
    None
  • SMART CHIP   Yes, chip-and-signature
  • No foreign transaction fees, plus Chip and Signature enabled for international travel.
  • 24/7 direct access to dedicated customer service specialists
  • Introductory Annual Fee of $0 the first year, then $95
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Chase Sapphire Preferred® Card Reviews

 
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4.3
Overall Rating: 4.3 / 5
Total Ratings: 2017
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Dec 17, 2014
Photo of Broc H.
5
By:
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
Nov 24, 2014
Photo of Katie D.
5
By:
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.
Nov 10, 2014
Photo of Patrice W.
3
By:
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.
Oct 24, 2014
Photo of Lauren B.
5
By:
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
Oct 7, 2014
Photo of Peggy S.
4
By:
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!
Sep 3, 2014
Photo of Brian I.
5
By:
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.
Aug 11, 2014
Photo of Kami D.
3
By:
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!
Jul 28, 2014
Photo of Bronwyn C.
3
By:
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.
Jul 25, 2014
Photo of Brian D.
5
By:
Jul 25, 2014
Chase Sapphire Preferred Card is a card that can be used throughout the world and it has a great rewards program. If this is the card you use predominately and if you like to travel, it is easy to accrue points that can be converted to traveling dollars. Unlike some other cards you might get, the 1 point earned for each dollar spent gives you the ability to accrue points easy. On top of that, while traveling you can earn 2 points per dollar when dining at restaurants and most traveling expenses. For those worried about introduction fees, the first year is waved so you get the opportunity to try more
Jul 22, 2014
Photo of Robin S.
4
By:
Jul 22, 2014
I have traveled to Europe with this card twice now and what I like about it is the ease of use worldwide combined with zero foreign transaction fees. In contrast, someone I was traveling with had a different type of credit card which was hardly accepted anywhere. Most cashiers we ran into hadn't even heard of it. So I am happy to travel with a Visa and feel confident that I will be able to purchase what I need anywhere.
I also like the huge variety of rewards offered although I have opted for the statement credits which helped pay for my trip to Europe!
The downside is the annual fee more
Jul 19, 2014
Photo of Connie C.
3
By:
Jul 19, 2014
This sounds like Chase Sapphire is offering a lot for it's customers. I'm not too sure I agree. The yearly rate is much higher than the $35 I pay for my Capital One MasterCard. Also I notice that they charge a fee and a higher percentage for cash advances. I also get charged a higher interest rate on cash advances but that does not include an additional cash advance fee %.
Jul 3, 2014
Photo of April M.
4
By:
Jul 3, 2014
The Chase Sapphire Preferred Card offers many perks in comparison to some of its competitors of a similar type. 40,000 bonus points can be earned by spending $3,000 on purchases in the first 3 months. Add a preauthorized user and make a purchase in the first 3 months and that is another 5,000 bonus points! However, if a person doubts they can spend $3,000 so quickly and their main enticement for enrolling is bonus points, then there may be better options. The Gold Delta SkyMiles Credit Card by American Express offers a slightly smaller bonus point of 30,000, but there is only a requirement of $1,000 being spent in the more
Jun 19, 2014
Photo of Reuben H.
5
By:
Jun 19, 2014
I had this card for a long period of time. The only reason that I had to give it up was because there was no chase bank in my area. But for as long as I had the card, I never had any trouble with it. The fees on the card were not that bad, even though I hardly ever incurred them. I really enjoyed the card when I had it. There were a lot of really nice rewards that this card offered and it always made my shopping convenient.
Jun 12, 2014
Photo of Justin M.
5
By:
Jun 12, 2014
This really is a great card for those who travel, and also those who enjoy great customer service. I was recently traveling with school to New Zealand/Australia, and the "no foreign transaction fees" was huge, as I had to make multiple purchases that were then expensed. In addition, I'm absolutely satisfied with the customer service I get whenever I call the customer service line. A human being always answers the first time, with no computer menu whatsoever. The annual fee is a bit much, but I believe that it's worth it for the high quality rewards, lack of foreign transaction fees, and great customer service. I completely recommend it! more
Jun 10, 2014
Photo of Jay L.
4
By:
Jun 10, 2014
The Chase Sapphire Preferred card is good overall. I like how you are able to get a large number of points very quickly and that the points are a one to one type of transfer to another point system with a company. The big problem I have with this card is that it has an annual fee. I know it is only after the first year, but it is hard for me to justify spending all this money on a card when there is very little chance that I will make back the needed number of points to justify this cost.
May 26, 2014
Photo of Peg F.
5
By:
May 26, 2014
If you have to travel for business, Chase Sapphire Preferred is a very useful card, offering 40,000 bonus points when you spend $3,000 on purchases. You need to do that in the first 3 months of accepting the card, though, so get it right before your next trip. Your points translate into $500 in travel savings when you turn them in through Chase Ultimate Rewards. For a business traveler, this is a good benefit.

For myself, I'm not that frequent a traveler these days. I think I'd prefer the Capital One Venture Once card, because it lets me travel on my day of choice, with no blackout restrictions. This will help more
Apr 7, 2014
Photo of Vera T.
5
By:
Apr 7, 2014
I love the chase sapphire preferred credit card. It's perfect for traveling and I love the point system. 20% discount on travel? Heck yeah sign me up for that. We have a big trip coming up and this card is going to be my savior. The only downfall when it comes to this card is if you are not a frequent traveler. You would lose one of the sweetest benefits, which would be that 20 percent discount. Over all though, the chase card is pretty good!
Mar 11, 2014
Photo of Jim L.
5
By:
Mar 11, 2014
The Chase Sapphire Preferred credit card is, hands down, the best rewards credit card out there. If you are a frequent traveler then this card is a must have because not only is there no foreign transaction fee but there is also a 20% discount when you redeem points towards travel. I highly recommend this card because the signup bonus of 40K points is too good to pass up right now. Base you get 1% on everything which is pretty much standard, but the 2% back on travel and dining is also a huge plus that you have to consider when choosing credit cards.
Mar 7, 2014
Photo of Alexandra E.
5
By:
Mar 7, 2014
The Chase Sapphire is my favorite credit card that I have right now. With my wedding and honeymoon quickly approaching, I applied for this card because the 40,000 bonus points when you spend over $3,000 really caught my eye since we were going to book our honeymoon using this card. Also, it was very important that our card had the credit chip in it, which is a necessity for travelling overseas, like we are. Overall, I think this is a great card because it rewards us with more travelling in the end.
Mar 5, 2014
Photo of Allie B.
4
By:
Mar 5, 2014
For a traveler, the Chase Sapphire Preferred card offers some very exciting bonus opportunities when you use it to pay for purchases, something I did not receive with my Discover card. The interest rate is higher than others, but if you travel frequently it is worth it!
Feb 18, 2014
Photo of Elias C.
3
By:
Feb 18, 2014
The Chase Sapphire card is very beneficial *if* you frequently travel. For everyone else, it's really just so so. The interest rate is quite high for a top shelf credit card but the rewards have to be recouped from somewhere. Overall, it's very good for business travelers and only so so for everyone else.
Feb 17, 2014
Photo of Joshua R.
4
By:
Feb 17, 2014
The Chase Sapphire Preferred Card has some tremendous benefits with the initial allotment of 40,000 reward points. It's easy to rack up additional points with this card and is certainly easier to do so than many other reward cards. The annual fee is a bit high and the interest rate could be better. But if one uses the card enough, those reward points will certainly balance out those drawbacks, and then some.
Feb 3, 2014
Photo of Mary A.
5
By:
Feb 3, 2014
This has been my favorite card in terms of customer service. They've always been wonderful when dealing with address changes or lost cards. They've also been great about reporting unusual activity with the card. They prevented the entire available credit from being rung up on purchases in Mexico (where I definitely wasn't!).
Feb 2, 2014
Photo of Mark W.
5
By:
Feb 2, 2014
A great card with a great Rewards program; 40,000 points to start and double points on travel and dining is wonderful. While the $95 annual fee is steep compared to the Capital One Venture, AmEx Blue Cash and others, you can easily make up for it--and some--through usage.
Feb 2, 2014
Photo of Ray J.
2
By:
Feb 2, 2014
The Chase Sapphire Preferred Card offers more back to its users than any card on the market. I was a long time card holder of Capital One, however their customer service and lack of appreciation towards me as a valued customer left me looking for more. The Chase Sapphire card let's you know immediately that you are appreciated, through their offer of 40,000 bonus points earned on $3,000 earned in the first 90 days. Who couldn't use $500.00 extra?
Jan 27, 2014
Photo of Collin S.
5
By:
Jan 27, 2014
The Chase Sapphire Preferred card is my favorite credit card to date. You can earn 1% cash back and up to 2% on certain items. When it comes to cashing in your rewards points, there are many different options offered. You can receive cash back and use it towards your monthly statement, you can use it to earn / buy travel points, and they offer special discounts on many other things to use your rewards points against. I would say the only set back is the annual fee which is about $90.00. Depending on how much you spend and get back this might not be that big of a deal more
Jan 16, 2014
Photo of Jeff C.
5
By:
Jan 16, 2014
I have been a big fan of Chase bank for the longest time. I had my first credit card with them since college. Since then I have been very satisfied with their service etc. The benefits of having a Chase Sapphire Card are that there is no annual fee for the first year, and no foreign fee whatsoever. In addition, they have a reward program that allows the owner to save up points and use them on other purchases. Definitely I would recommend it to my friends and family.
Jan 13, 2014
Photo of John D.
5
By:
Jan 13, 2014
I really like my Chase Sapphire Preferred Card. I use it on almost every purchase. That way I get the most out of the reward points. The first year has no annual fee, after that it is $95.00 per year. The interest rate that they offer on this card is also more than a fair rate. Customer service is also great to deal with. I have had this card for 2 years now and have no complaints.
Dec 30, 2013
Photo of Nelly M.
5
By:
Dec 30, 2013
The Chase Sapphire Preferred Credit Card has been quite amazing to use. From no annual fee for the first year to a low $95 fee yearly after this credit card is great to use for many reasons. I get a huge amount of bonus points when making major purchases like pricey electronics/home appliances. The Chase Ultimate Rewards also make this card extremely rewarding to use on most major purchases. Also with 15.99% interest rate this card stands out from the others with much higher interest rates.
Dec 19, 2013
Photo of Tony S.
4
By:
Dec 19, 2013
The Chase Sapphire Preferred Card is one of the best rewards cards on the market today. You instantly get bonus points upon signing up, and the double points for eating out and traveling are really appealing, much more so than any other rewards cards I currently own. I also like that there's no limit on the amount of points you can earn or redeem; other reward cards I currently have enforce annoying limitations that almost make the reward function of the card pointless. The only downside of the card is the annual fee, but you don't have to pay it for the first year so that's nice. Overall just a more
Dec 16, 2013
Photo of Lydia W.
4
By:
Dec 16, 2013
I love my Chase Sapphire Preferred Card. It has lots of benefits and perks, which is why I use it more than any other credit card. The rewards program with this card is awesome! After you open your account and spend $3000, you will earn 40,000 bonus points immediately. I do quite a bit of traveling and this credit card gives me double points on travel and restaurants. I also get 20% off on airfare,car rentals, and hotel stays. There's no foreign transaction fee with this card, so it's great to use it when you travel outside of the United States. The annual fee is kind of on the high more
Dec 3, 2013
Photo of Brian C.
4
By:
Dec 3, 2013
The rewards on this card are fantastic. The points really add up quickly. This is my go to card. The interest rates are a little high but I keep the balance low and rack up the points. If you keep a low balance and can really take advantage of the rewards from this card, I highly recommend it.
Nov 11, 2013
Photo of Brett C.
4
By:
Nov 11, 2013
The Chase Sapphire Preferred Card is my favorite card. I got 20,000 bonus points, which became $200 credit. This is the best card for traveling, especially for those who travel more than occasionally and tend to spend copious amounts of money. Every time you use points to book travel through Chase, 20% of those points are automatically refunded. This is definitely the best card I have ever had the privilege to experience using. I highly recommend this particular card to anyone that would like to earn back savings on their family’s trips or personal business trips as well. This is the card for you.
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
Feb 25, 2014
Photo of Justin P.
Justin Parker
Feb 25, 2014
Thank you for this review, I found it very helpful. The idea of down-grading the card if you do not like the annual fee is excellent. It makes me feel like I could try this card for a year or two and, if I felt I was not getting my money's worth out of the "Preferred" status, I could easily change my account without suffering any serious negative consequences.
Oct 22, 2013
Photo of Darlynn H.
2
By:
Oct 22, 2013
The fees that are charged and the interest make this card less than stellar. However I would recommend this card because the customer service is good and the reward incentives are various. All in all I would give this car 3 stars only because of fees.
Oct 15, 2013
Photo of Thomas B.
5
By:
Oct 15, 2013
I've had one of these for a while and like it a lot. It's really geared for travel, though I use the points mostly for rental cars since I love to drive and hate the airlines. Even the cash advance rate is lower than the basic interest rate for many cards these days. It takes pretty good credit to qualify though, but they give really big lines of credit. Every time I call them, the people are really super nice and professional. The 15.24% is really great if you have the credit score to get one of these, highly recommend it. Just remember to put $3,000 through it the first more
Oct 10, 2013
Photo of Robert B.
5
By:
Oct 10, 2013
This is an excellent card with numerous rewards for dining and travel experiences. Cardholders receive double rewards points every time they use their card at any dining facility, regardless of whether it's fast food or fine dining. Members also get double points for all travel expenses, allowing you to accrue a substantial amount of points when you use the card on trips. These two benefits, combined with the 7% annual points dividend offer easily offsets the annual fee associated with holding the card. This is my go to credit card for every day expenses (especially dining and travel) and I recommend it to anyone looking for a new option for more
Sep 26, 2013
Photo of Janice K.
5
By:
Sep 26, 2013
My favorite credit card to use is the Chase Sapphire Preferred Card. It has many perks and benefits, which is why it's my go to credit card. The rewards on this card are great. After spending $3,000 after opening my account I earned 40,000 bonus points immediately. I do a lot of traveling and this card gives me 2x points on travel and restaurants. Not just that, but I get 20% off on airfare, hotels, and car rentals. I spend several weeks out of the year in different countries, and this credit is great to use outside the U.S. because there is no foreign transaction fee. The annual fee is more
Sep 25, 2013
Photo of John W.
5
By:
Sep 25, 2013
The Chase Sapphire Preferred Card has many perks that certain types of people will find very valuable. I myself was looking for a card with no international usage fees as I make frequent business trips to Europe and Asia. This card perfectly fit the bill. No more international fees, and the concierge service comes in handy as well. The reward points cover the annual fee in my case, so it’s essentially a free account. You can cash in the reward points to help pay the balance, or as a cash deposit into your bank account. I would definitely recommend this card to others.
Sep 25, 2013
Photo of Richard T.
5
By:
Sep 25, 2013
I love my Chase Sapphire Preferred Card. The introductory 40,000 points is a great deal, especially when coupled with the 20% rate reduction on things like plane tickets and car rentals when you redeem the points via their ultimate rewards offers. Their APR is fair, and their annual rate is relatively low for a card of this time. I like accruing double points on travel and dining. Also, an unimportant note, but the card itself is metal and has a solid feel to it that makes it seem impressive. I'm looking forward to using this as my primary credit card from now on.
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Aug 24, 2014
Photo of Clint W.
By:
Aug 24, 2014
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?
Jun 7, 2012
Photo of Amily C.
By:
Jun 7, 2012
Just wondering if this has ever happend to anyone:

So someone stole my card number and purchased a plane ticket on Malaysia Airline from LA while I was vacationing in France. I disputed the charge online and they removed it temporarily while investigation was ongoing. A month later, I received a letter in the mail that they have "deemed the charge to be valid" and that it will be re-applied to my account.

(I mean, anyone with half a brain can see that all my account activities during the time were made in France, except for that one fraudulent charge, and the name on the ticket is obvious not someone related to more
Jun 7, 2012
Photo of Card H.
Jun 7, 2012
No they would not :) Sometimes the balance is higher than what we expect because it reflects the balance from last month (that we have not yet sent a payment for) + the balance from this month.
Jun 8, 2012
Photo of Amily C.
Jun 8, 2012
Uh, that is not true in my case.

I summed up ALL TRANSACTIONS TO-DATE starting from my very first purchase on the card (I only got the card in Feb this year). I pay off my balance every month through auto-pay. The payment I made for last month was posted a couple weeks ago.

It's either a computer glitch, or they're intentionally trying to scam customers. Since they've been denying there's anything wrong, I am just gonna assume that they're doing this intentionally. Come on, spreadsheets don't lie (and I sent it to them with my inquiry); they should at least make an effort to check the numbers.

I was leery of more
Jul 4, 2012
Photo of Won L.
Jul 4, 2012
Amily, they wouldn't cook up books. Largely because as you mentioned, if someone like you put out lawsuits, the damage from that action is far greater than cheating someone of 1-2k dollars.

What often happens in fraud cases, is they will withhold ALL charges. This includes legitimate ones as well as fraudulent ones. As such, when the bill is posted, you have paid a lot less money than what you should have (since legit ones are also withheld, and doesn't reflex the actual spending).

Once investigation is complete, they will remove fraudulent ones, and which they did, did they not? Chase is great at responding to your needs in this more
Oct 27, 2011
Photo of Janice L.
By:
Oct 27, 2011
Is there a Visa version of this card? I travel overseas frequently and the best ATM network is for Visa, not M/C.
Oct 27, 2011
Photo of Card H.
Oct 27, 2011
Hi Janice - Unfortunately Chase only offers Chase Sapphire Preferred Card under the MasterCard network. If having a VISA card with no foreign fees is important to you, we would recommend that you consider the Capital One Venture Rewards Credit Card. As long as you redeem your miles for any travel expenses that you have charged on the card you effectively get 2% cash back.

Here are more details about the CapOne Venture card:
http://www.cardhub.com/d/capital-one-venture-rewards-credit-card-378c/
Dec 1, 2011
Photo of Corey D.
Dec 1, 2011
Card Hub As I am currently looking at a Visa version of this card, I can assure you that this is incorrect.
Dec 3, 2011
Photo of Ed S.
Dec 3, 2011
Card Hub, mine's a visa signature.
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Last updated on: Dec 17th, 2014 at 6:21 EST