- Minimum Credit Required: Excellent
- Annual Fee:None 1st yr, $95 after
- Network: VISA
|Initial Bonus 40,000 points||Base Earn 1 point / $1||Max Earn 2 points / $1||Earn / Redeem Limit No|
- 40,000 bonus points after you spend $3,000 in the first 3 months - that's $500 toward travel rewards!
- 2 points per dollar spent on travel and dining at restaurants & 1 point per dollar spent on all other purchases.
- Get 20% off airfare, hotels, car rentals and cruises when you redeem through Ultimate Rewards℠.
- Receive a 7% Annual Points Dividend on all new points earned on purchases - even on points already redeemed.
- 1:1 point transfer to leading frequent travel programs - that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.
|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)|
- No foreign transaction fees.
- Direct access to expert service advisors anytime.
- Introductory Annual Fee of $0 the first year, then $95.
- Max Late Fee: $35
- Max Overlimit Fee: None
- Max Penalty APR: 29.99% (V)
- Grace Period: 21 days
- Online Response: No
- Foreign Transaction Fee: None
If you currently have the Chase Sapphire Preferred® Card and are satisfied or you like the terms of this credit card offer please let your friends know.
Share your experiences, thoughts or just ask a question:
- Anonymous User:
I was able to recently do a balance transfer to my Chase Sapphire from another credit card at a much lower interest rate. I could not believe how much less I was being charged in interest fees each month. It was over a $45 difference. I actually kept paying the same amount until the balance was paid off. It was just that now this $45 was going towards principle instead of the interest fee. Another nice thing about the card is their cash back feature. This has come in handy on occasion when I was low in funds at the end of the month.
May 6, 2013 at 01:55pm
- Timothy Tee Proctor:
As far as travel cards go, the Chase Sapphire Preferred card is one of my favorites, if not my most favorite. I got a 40,000 point bonus, which translated to a $400 credit, how awesome is that? This is the absolute best travel card, especially for those who travel frequently and spend a lot. Every time you use points to book travel through Chase, 20% of those points are automatically refunded. For example, 50,000 pints becomes 65,000, and $500 becomes $625. Again, awesome. You earn 2 points per dollar spent on travel and dining and one point per dollar elsewhere. Once a year every year, Chase pays out a 7% rewards dividend. The annual fee is $95 but was waived the first year. Having the card for about a year, I’ve had to deal with customer service of course, and my experience was about average. It was what one could expect from dealing with a big bank.
April 26, 2013 at 07:15pm
- Anonymous User:
I can only say good things about Chase and this credit card. I do all my banking with Chase. Personal and Business. So, when I decided it was time for a credit card, Chase was the logical choice. The customer service is always great. Very knowledgeable. They are also always willing to go that extra mile for the customer. I like the fact that I could select my due dates and everything. Also the promotions that go along with the card are well worth it. Its a great advantage and stretches your money. Using the cash back for bills that I normally pay off every month has allowed me to gain many points. The more points the more perks. Great company. Great card!
April 26, 2013 at 06:22pm
- Patty Chang:
I have this card in addition to my Chase Freedom, which I tend to use a lot more often, because the two cards are better when used in different categories. This Sapphire card is more geared towards high spending travelers. Though there are a lot of benefits and dividends, unless you really spend a lot, it will not outweigh the $95 annual fee that you will incur after the first year. Also, if you do not dutifully pay your balance each month, the interest rates would be pretty hard to swallow. Haha, but the best thing I like about this card, is that this card is made from a much heavier material than the typical cheapo plastic, so it feels pretty cool!
April 26, 2013 at 05:28pm
- Wilhelm Vain:
I've been using this card since I opened up my Chase bank account--I opened the account when I got this card--and I can say that it has saved me a couple times when my bills were due but my check was late. The card is so-so overall but the customer service is brilliant! When I was setting up my card I had to call in to give them additional information and they got me through the process in a New York minute. That being said; if you're looking for a perks card you should probably look somewhere else. The Perks on this card are nothing to write home about and can leave you with a feeling of mediocrity. I would give this card a B+ because of the great customer service and the amount of times I have used it without fail.
April 26, 2013 at 03:23pm
- Abby Sullivan:
I have used this card for about a year, it's a good card, but not the greatest. It's just average. There's nothing wrong with it, but it's not fantastic. Customer Service is wonderful, they are knowledgeable and quick to answer. I use it to buy basic amenities (food, gas, etc). The perks are about average for a card, maybe a little better than average. I'm rather unfamiliar with Chase as a whole, but I do like this card. I'd recommend it for basic purchases but I'm not too sure how it would be for larger purchases. As a whole I rate it 85/100.
April 20, 2013 at 12:39am
- Brian Palm:
I've had this card for a while now, and while I don't have any complaints, I don't have any reason to recommend this card either. The rewards are ok; not really that different from other credit cards that are out there. The interest rates are pretty good for a credit card, but with me paying the $95 per year, I suppose it evens itself out. I don't use it that often, really just enough to keep my account active. I generally use it for gas and grocery store runs. I haven't cashed in for any rewards yet, so I can't comment on those, but the customer service reps have been very helpful with any issues I've called them with. Overall, this is a good credit card for basic purchases, but it's nothing special.
April 19, 2013 at 04:43pm
- Mike Brandt:
This is the card I currently use. I can’t say that I’ve ever had any problems with it, and have no problems to report. I use my card predominantly for buying small items, gas, and other things that are low-price expenses. It’s easy to pay off and I keep my balance low. If I’ve ever had any questions, I’ve been able to call up customer service and get an answer to my question with a couple seconds. I really have nothing but positive things to say about my experiences with this card and CHASE in general. I can highly recommend this card!
April 19, 2013 at 03:30pm
- Annberlynn Belle:
I have only currently had Chase Sapphire for about six months, but it has been a very good six months. I had seen an ad on TV about it, and it almost looked too good to be true, but I decided to try it out. It ended up being one of my best decisions yet because it is simple to understand and you receive points to cash in for money or other good things that your points qualify for. So far, I have had a wonderful experience with the customer service and an even better experience with the actual ease of use with the card and the points system. I am never looking back!
April 12, 2013 at 10:21pm
- Anonymous User:
I have used Chase Sapphire for almost three years now. The customer service is pretty run of the mill, not excellent, but not atrocious. I find that whenever I have a question, I can usually get Customer to respond to a message (sent from within my account) within 3 days, if the message is sent on a week day. By phone you can generally get a problem resolved very quickly. The rewards offered on this card are pretty standard. On my card, you cannot redeem cash rewards until you have enough points for $20.00. On other chase cards, you can redeem cash rewards whenever you have any amount of points. All in all, my experiences with this card seem to indicate that it's a good card for students and young professionalism to build their credit history with.
April 5, 2013 at 06:41pm
- Anonymous User:
I have had my Chase Sapphire preferred credit card for about a year now and I have not had any more satisfaction with other cards than I've had with this one. The features are fantastic and the mobile app makes everything incredibly easy. My brother recommended it to me, as he has had a really great experience with them over the years. I have a very low rate and with the reminders for when due dates are coming up, I have no issues paying my balance. It certainly helps that Chase encourages me to spend wisely on things I need rather than spending aimlessly. The customer service is really fantastic, as they always remember who I am and take the time to make sure everything is taken care of for me. The customer service on the phone is also really fantastic, and if there are issues, they often have them resolved incredibly quickly. I highly recommend this card!
April 5, 2013 at 04:02pm
- Morgan Lee:
I've been incredibly satisfied with my Sapphire Card. The interest is low, the signup process was minimal, and of course, everywhere takes Visa or MC. I have Chase as a checking account as well, and I like that I can pay my bill directly from the checking account. Additionally, in the event that I run out of money in my checking account, the Sapphire card overs whatever overdraws I might have without Chase charging me the $35 fee. I also like the generous and useful travel rewards the card comes with! The card is also very, very useful to have overseas, as their international customer service is stellar. If you're traveling abroad, it's really advised that you take a credit card with you in case of emergencies. And this would be the card to take!
April 5, 2013 at 04:02pm
- Anonymous User:
The Chase Sapphire Preferred card is really incredible. There is, at certain points in the year, a very large bonus for signing up. Without even taking this into consideration, the card is an excellent card to use. There are lots great reward points that can be earned which can be redeemed for cash, gift cards, and an assortment of products. I've never had any problems with their customer support as they are always friendly, helpful, and willing to go the extra mile to help me sort out any technical problems I am having with the service. Their online features are very user-friendly and always remind me when I have a due date coming so that I never miss a payment. If you have the opportunity and get approved for this, I definitely recommend it.
April 5, 2013 at 03:56pm
- Lenton Lees:
Chase Sapphire is a fine credit card so far through my uses. I've only been using it for a few months and have had no problems or special surprises. I find so often with credit cards it's only a matter of time before they surprise you and you find out you're going to be paying things you never knew. Not with Chase--not yet! They gave me exactly what I asked for and it's used exactly like it says it'll be. I haven't tapped into the rewards options yet, but so far I am perfectly pleased with my new credit card.
April 5, 2013 at 03:44pm
- Travis A Chapman:
I have always liked Chase, they have been a great bank to me over the years. A while ago I ended up getting a Chase Sapphire card, and I'm not sure exactly why I waited this long to get one. The customer service rep who walked me through the process was amazing, and she helped me every step of the way. When I first received my card, I went out and did a little shopping for myself and I fell in love with the interest rate I was getting. I was also racking up Chase points on the card, and before I knew it, I had 70,000 points. Overall, with all my experience with Chase, and the interest rate/Chase points, I am more than extremely satisfied.
March 29, 2013 at 08:57pm
- Gregory Hays:
One of the good things about Chase Saphire card is that if you already have Chase Checking/Savings accounts with them, they will give you a.1% bonus on your points earned. It's small, but it can all add up. They also have rotating categories every quarter which you must activate that have bonuses for things such as restaurants, gas, airfare, etc. So it is always important to keep up to day on those things to make sure you're maximizing your rewards. I would recommend this card in general though no annual fee and some pretty good reward options you can take advantage of.
March 29, 2013 at 03:12pm
- Winterlich Feather:
I applied for the Chase Sapphire Preferred card last week and was applied instantly on the spot. The person at the branch was even kind enough to have it overnighted to me, so I had my card the NEXT day after I was approved! I mainly signed up for the travel purposes (20% off, no foreign exchange fees, etc) and the 40,000 bonus points with 2,000 spend in 3 months. Not bad at all. This card is very great looking as well. It has a lot of benefits that I had no idea it had (return protection, price protection, etc). Needless to say, I am very happy I signed up for this card and will continue to use it for many years.
March 14, 2013 at 07:10pm
- Kyle Hermann:
I think this card is not bad at all. Really, it's like anything else. You get what you pay for and there is always the time and place. For me, it's great since I really just fly for sport trips. A dive trip can really add up, so I like to keep it with me when I go away. it's also perfect for life's little things like a forgotten lunch or costly repair bill. The miles are great and I've never had an issue with black out dates. Maybe that is because I'm a student too busy to really do much.
March 6, 2013 at 09:43pm
- Anonymous User:
The Chase Sapphire Preferred® Card is an ultimate rewards card which offers you great benefits. Signing up for this card and spending $3000 in the first three months made me eligible for an awesome 40,000 bonus points. I had the option of using these points for getting airline tickets or for cash back, gift cards and merchandise. What I like the most is that even after redeeming my points, I am still able to earn 7% Annual points dividend on my earned points each year. You can also opt to get your points transferred to leading frequent travel programs at a 1:1 value. I once encountered some fraudulent charges on my account and was very happy with the way their customer care representative understood my concern and reversed all charges very promptly. For all my other queries also I have found them to be very professional and service-oriented. Overall I am quite satisfied with their services and will continue to use this card for a long time.
February 21, 2013 at 10:40pm
- Martin Poles:
This Chase Sapphire Preferred® Card was the second card I ever applied for and received. The $3,000 needed for the bonus points was easily enough reached simply by paying rent and other bills and then paying off the balance at the end of the month. The reward system is great and a very good incentive the annual fee is a bit high though and my only real compliant but one could easyily rack up enough bonuses to make up for that cost. Over all I highly suggest this card to anyone out there looking for a new credit card.
February 21, 2013 at 06:58pm
- Matthew Paradis:
The Chase Sapphire Preferred Card is the first credit card that I have ever owned. I had some extra money to spend after receiving graduation gifts so I spent the first $3,000 relatively easily. I ended up going on a trip to Bermuda with a couple other classmates that I graduated with. I definitely racked up some serious points while on that trip, including hotels, car rentals, etc. Overall, I am very satisfied with it as my first credit card and don’t really have any complaints with it. The only thing that bothers me is the annual $95 fee which is kind of annoying but it isn’t a huge amount.
February 11, 2013 at 05:50pm
- Elguendouz Soukaina:
I applied for my Chase card on February 2012, I’ve had this card for a year now benefiting from an unbeatable deal. When I first applied for the card after receiving an ads letter from the Chase Bank, I was offered an amazing deal whereof I was urged to make a balance transfer of up to 5000 USD, and benefit for a year and a half of interest free transaction. Thus far, I have not paid a single penny as interest on this card which makes me very grateful since the bank of America platinum card I had transferred a balance from was costing me a hefty 14.9 percent interest fee.
February 11, 2013 at 04:16pm
- Anonymous User:
The Chase Sapphire Preferred card is great. They usually give you a very large bonus for signing up. Beyond the great sign up bonus, it is an excellent card to use. They give great reward points that are redeemable for cash, gift cards or other items. I've never had any problems with their customer service, they are always friendly and helpful and willing to solve my issues. Their website is really easy to use and I believe they have mobile applications for all the major phones. If you have the opportunity and can get approved for this card, I would recommend it.
February 1, 2013 at 08:14pm
- Anonymous User:
I picked up this card mainly because it said it had no annual fee for the first year. It was pretty important to me because I have been tired of fees all around everywhere. I was also fairly interested in the points system, but not a main reason to just solely pick up the card. Anyways I had one problem in which my card locked up at a store, and I contacted customer service about it and had gotten it resolved fairly quickly. I was really surprised at how fast I was able to get it cleared up, as most of the time I end up having to wait on the phone talking to customer service for a long time. Outside of this I haven't had a single problem with the card, and use it only on a need to use basis. Basically to help me establish my credit score going up. I recommend people to pick this card up!
January 25, 2013 at 10:59pm
- Tyler Smith:
I recently upgraded to the sapphire from my standard chase card. Line was maintained; interest rate dropped to 6.74%. Pretty solid if you ask me. Experienced some fraud due to online use in the first week of having the card, and customer service was OUTSTANDING. They took care of everything. Very professional. The other amazing things is that if you call the secret number on the card, you speak to a person on ring number 2. no machine answering; no annoying prompts; no ridiculous CSR rep from India; no hassle. I highly recommend this card, if you can qualify for it.
January 25, 2013 at 06:01pm
- Anonymous User:
One of the things I love most about my Chase Saphire Preferred Card is that it has no annual fee for the first year. This was very important to me because this was my first credit card and an annual fee was not in my budget this year. I love how easily my points gather, I feel like I am getting paid every time I gas up my car, which is such a relief considering how much gas costs and how frequently I need it. I would recommend this card to anyone who is new to credit cards and doesn't want to be to overwhelmed with information but still wants to reap the benefits that a credit card entails.
January 18, 2013 at 06:22pm
- Anonymous User:
I have only had my Chase card about 6 months, but I am really happy to have it. My sister recommended it to me, as she has had a positive experience with them over the years. I have a low rate and am able to pay them off on time with little hassle. While I do have a Chase near my home, I generally just use my smartphone to access everything for them. Their mobile app is amazing! The customer service at my branch is terrific, as they always remember me coming in. The customer service on the phone is also great, and if there are issues, they generally have them resolved fairly quickly. All around, this is a good place to bank with.
January 18, 2013 at 06:12pm
- Stephanie Bardales:
I have been with Chase since I got my first job at 17. Their customer service is exceptional compared to other banks. I was offered this credit card from my bank a while back. At first I said no, but I was convinced otherwise. You get the same great customer support from Chase plus awesome benefits. I have used my points for stuff that I actually need. This credit card is better than using cash or an ordinary debit card. Once I lost my credit card and I was flipping out! I called Chase immediately and explained the situation. There are no robot calls, just real genuine caring customer support that helped block unwanted purchases and helped me replace my card. Chase even changed my credit card number to prevent thieves from using my card again. In fact, Chase was able to track the thieves! It felt great to know your bank is on your side.
January 11, 2013 at 09:00pm
- Anonymous User:
I started banking with Chase about 3 months ago and decided to switch cards because of it. I found out about the Chase Sapphire Preferred Card through a friend and decided to get it. I have to say that I really like this card. It fits all of my needs. The best part about this card is the points system. I’m currently at 42,000 points after only 3 months and trying to get more. Hopefully these points will turn into something good in the future! If you have great credit, this is the card for you. I highly recommend it.
January 8, 2013 at 06:01pm
- Jennifer Scheiter:
My husband and I just got our Sapphire chad card and are so pleased with it. My husband was preparing to travel for work and needed a credit card that did not have any international fees. He has been abroad a couple days now and has had no complaints. After completing the application online we received our new cards in a timely manner. I am excited about the travel dollars we will be accruing and the bonus program that they have for our first few months. The system used for spending the "points" we earn seems extremely user friendly and I look forward to using it.
January 8, 2013 at 04:35pm
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The card information shown on this page was last updated: June 6th, 2013 at 5:14 EDT
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