Chase Sapphire Preferred® Card

Required Credit Score:
Excellent
2,532 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
Apply Now
at Chase’s
secure site

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!
33 Votes 84 51

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!
27 Votes 62 35

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
7 Votes 12 5
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Customer Reviews

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4.1 out of 5

2,532 reviews
53%
23%
15%
6%
3%
Photo of Brian D.
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
Photo of Robin S.
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
Photo of Connie C.
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 %.
Photo of April M.
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
Photo of Reuben H.
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.
Photo of Justin M.
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
Photo of Jay L.
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.
Photo of Peg F.
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
Photo of Vera T.
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!
Photo of Jim L.
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.
Photo of Alexandra E.
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.
Photo of Allie B.
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!
Photo of Elias C.
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.
Photo of Joshua R.
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.
Photo of Mary A.
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!).
Photo of Mark W.
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.
Photo of Ray J.
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?
Photo of Collin S.
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
Photo of Jeff C.
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.
Photo of John D.
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.
Photo of Nelly M.
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.
Photo of Tony S.
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
Photo of Lydia W.
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
Photo of Brian C.
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.
Photo of Brett C.
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.
Photo of Sean C.
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
Photo of Justin P.
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.
Photo of Darlynn H.
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.
Photo of Thomas B.
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
Photo of Robert B.
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
Photo of Janice K.
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
Photo of John W.
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.
Photo of Richard T.
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.
Photo of Sheryl P.
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.
Photo of Sarah B.
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
Photo of Lisa B.
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
Photo of Abby L.
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
Photo of Gary S.
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
Photo of Aaron O.
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
Photo of Nick M.
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
Photo of Chris S.
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
Photo of Stacia B.
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.
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Last updated on: Jul 26th, 2016 at 5:13 EDT

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