Chase Sapphire Preferred® Card

chase sapphire preferred Sponsored Card
Required Credit Score:
Excellent
4 2,117 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 Rewards®
  • 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 Chase 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% (min $5)

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
    24.99% (V)
  • CASH ADVANCE
    FEE
    5% (min $10)
  • FOREIGN
    TRANSACTION FEE  
    None
  • SMART CHIP   Yes, chip-and-signature
  • No foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance
  • Premium Travel and Purchase Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Purchase Protection and more
  • 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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4.2
Overall Rating: 4.2 / 5
Total Ratings: 2117
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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.
Sep 19, 2013
Photo of Sheryl P.
5
By:
Sep 19, 2013
The Chase Sapphire Card is a nice card to have in your wallet for your every day purchases. Where this card shines is the 2% you get back on travel, dining and restaurants and the 1% you get back on every other purchase. On top of that you will receive a 7% bonus on all points you earn at the end of the year, even points you redeemed already. There are also a significant introductory bonus of $400 in rewards when you meet spending requirements. if you don't mind getting your bonus points at the end of the year you might want to consider this card.
Sep 10, 2013
Photo of Sarah B.
4
By:
Sep 10, 2013
The Chase Sapphire Preferred Card is a pretty awesome card but really it has to be right for you. You've got to travel a lot, so you can put those earned points to good use. You've got to have a really good credit score, just to get it. If it's a good card for you then you're golden because the card starts you with 40,000 points. Which is great and you get a point per dollar you spend. Which is also great. The only this is to only keep the card for a year because once that $95 annual fee kicks in, it's bad. So, I would really recommend this more
Sep 6, 2013
Photo of Lisa B.
5
By:
Sep 6, 2013
HOLY COW this is the best credit card available right now! They offer simply the BEST rewards for their customers. Chase Sapphire Preferred Card offers a huge incentive bonus to join- the equivalent of 500 dollars in travel is just wonderful and no foreign transaction fees? Simply divine. The only thing that I raise my eyebrows to is the 95 dollar annual fee. That hurts. I suppose it might be worth it, but that really cuts into your savings when you have to spend 95 dollars to continue using it. This card reminds me of the Capital One credit card during their Double Miles Challenge. They doubled all the points more
Sep 3, 2013
Photo of Abby L.
4
By:
Sep 3, 2013
I had the Chase Sapphire card and I called Chase if I could upgrade to the Chase Preferred. Luckily, they agreed and now I have this preferred one. I use this credit card mainly for travel and booking hotel rooms. I like how they give you the promo of spend $3,000 in your first three months and then you'll get 40,000 points. This credit card is also similar to the Chase sapphire because you get 2x points on restaurants. So for people who like to eat, this is the credit card for you. The number that you call for the Chase sapphire preferred is a direct number that leads to more
Aug 28, 2013
Photo of Gary S.
1
By:
Aug 28, 2013
This Chase Sapphire Preferred card has several negative aspects : Credit score must be EXCELLENT; it costs $95/year starting in the 2nd year-too high!, 15.24% is TOO HIGH interest rate;Balance transfers cost 3%-too high/excessive; $10 minimum-5% fee for cash advance-way too high!!; cash advance 19.24% too high! Its rewards are decent-20% off of hotels, car rentals is nice but I don't rent cars or travel much at all. My American Express card had NO yearly fee, no fees for balance transfers, a 12% yearly interest rate, 2% fee for cash advance with no minimum fee; very liberal credit score acceptance and its rewards was outstanding! For every $500 spent on more
Jun 18, 2014
Photo of Aaron O.
Aaron Olbrantz
Jun 18, 2014
Just because you don't have an excellent credit and need one to get the Chase Sapphire Preferred card score doesn't mean that this card should be rated 1 stars. It just means that you most likely are not financially responsible enough to be granted a card with such great benefits. Also if you got into the habit of not over extending yourself and paying off your credit card balance each month then the APR shouldn't matter. Also, anyone who uses cash advances is not probably that financially responsible either and should stay away from credit products. Just because you don't qualify for this card and that you can't pay off more
Aug 21, 2013
Photo of Nick M.
3
By:
Aug 21, 2013
$95 annual fee? No thanks Chase Sapphire Preferred Card, it doesn't make you really feel preferred if you need excellent score for an annual fee. There are tons of perks though, 40,000 bonus points after spending $3,000 in the first 3 months which equals $500 in travel points. You earn 2X points on travel and dining at restaurants and 1 point per dollar spent on all other purchases. Receive a 7% Annual Points Dividend on all new points earned on purchases which is pretty nice for a yearly bonus. Then it takes you to the APR for a annual fee card, it has a 15% APR, my Capitol One Quicksilver more
Aug 14, 2013
Photo of Chris S.
4
By:
Aug 14, 2013
This card was excellent. I felt very valued as a customer while using this card, and Chase seemed to go out of their way to ensure that remained the case throughout my entire time with this card. The rewards were excellent and if you used their travel agency, you could even save an ADDITIONAL 20% off of the flights they offered! That's in addition to the money you save by using the credit card points to pay for the flight in the first place! I used this perk to help pay for my honeymoon flight! I highly recommend this card. The only reason I didn't give it 4 stars is more
May 6, 2013
Photo of Stacia B.
5
By:
May 6, 2013
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.
Apr 26, 2013
Photo of Timothy P.
5
By:
Apr 26, 2013
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% more
Apr 26, 2013
Photo of Ruth H.
5
By:
Apr 26, 2013
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 more
Apr 26, 2013
Photo of Patty C.
4
By:
Apr 26, 2013
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 more
Apr 20, 2013
Photo of Abby S.
4
By:
Apr 20, 2013
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.
Apr 19, 2013
Photo of Brian P.
3
By:
Apr 19, 2013
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 more
Apr 19, 2013
Photo of Mike B.
5
By:
Apr 19, 2013
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! more
Apr 12, 2013
Photo of Annberlynn B.
5
By:
Apr 12, 2013
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 more
Apr 5, 2013
Photo of Jules E.
4
By:
Apr 5, 2013
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. more
Apr 5, 2013
Photo of Leeanne R.
5
By:
Apr 5, 2013
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, more
Apr 5, 2013
Photo of Morgan L.
5
By:
Apr 5, 2013
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 more
Apr 5, 2013
Photo of Aurelio S.
5
By:
Apr 5, 2013
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 more
Mar 29, 2013
Photo of Travis C.
5
By:
Mar 29, 2013
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 more
Mar 29, 2013
Photo of Gregory H.
5
By:
Mar 29, 2013
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.
Mar 14, 2013
Photo of Winterlich F.
4
By:
Mar 14, 2013
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 more
Mar 14, 2013
Photo of Tom C.
4
By:
Mar 14, 2013
I have been using Chase since I was of age as my bank. I signed up for Chase Sapphire Preferred® Card as my second credit card. I have been pleased with the card. I got a ridiculous amounts of benefits as a big spender. This card gives if you use it! The points have an extreme amount of value for somebody who wants a variety of options in terms of redemption. For example, I got free plane tickets once using my points in a pinch. It bailed me out so much! The interest rates can vary so it depends on you. Of course, the fees can be a bit much more
Mar 6, 2013
Photo of Kyle H.
4
By:
Mar 6, 2013
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.
Feb 21, 2013
Photo of Alayna O.
5
By:
Feb 21, 2013
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 more
Feb 21, 2013
Photo of Martin P.
5
By:
Feb 21, 2013
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.
Feb 11, 2013
Photo of Matthew P.
4
By:
Feb 11, 2013
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. more
Feb 11, 2013
Photo of Elguendouz S.
4
By:
Feb 11, 2013
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.
Feb 1, 2013
Photo of Mellie R.
5
By:
Feb 1, 2013
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.
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Feb 28, 2015
Photo of Yelena G.
By:
Feb 28, 2015
My family's been using chase travel credit card for years. Recently that one that we used was discontinued and Chase sent us a letter that we will be issued new Chase Sapphire Preferred cards instead. So, it was a mandatory change, otherwise we had to close the account and lose the points. So, my question now is: Will we get 40 000 points after 3 months if we spent $ 4,000? Also, the account holder added 3 authorized users long time ago. Do you think she can get rewarded for that, since now we are connected to this new product that offers these rewards? I am just getting confused.... The more
Mar 2, 2015
Photo of Joe W.
Mar 2, 2015
According to the company’s website, the offer is not available for current cardmembers, so I guess that you won’t qualify for the bonus.
Jan 29, 2015
Photo of Jessica N.
By:
Jan 29, 2015
I had a quick question me and a friend of mine have to research credit cards for our personal finance class, one of the things we have to find out is the interest rat of the cards we are researching. What is the interest rate of the chase sapphire preferred card?
Feb 5, 2015
Photo of Card H.
Feb 5, 2015
According to Chase's website the APR is 15.99% and will vary with the market based on the Prime Rate.
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: Mar 23rd, 2015 at 10:52 EDT