Chase Sapphire Preferred® Card
- 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
- ANNUAL FEE None 1st yr, $95 after
FEE 3% (min $5)
Chase Sapphire Preferred® Card’s Additional Info
- MAX LATE FEE $35
- MAX PENALTY APR 29.99% (V)
- GRACE PERIOD 21 days
- ONLINE RESPONSE No
RATE 24.99% (V)
FEE 5% (min $10)
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
Chase Sapphire Preferred® Card Reviews
This card has benefits similar to that of most American Express cards who has very high customer satisfaction. Unfortunately, I have not been able to use any of these benefits so I don't know how well that they handle the situations but I'm sure they do just fine.… more
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 me!)
So I called their fraud department to sort out the situation. The person taking my case was actually quite helpful. He issued me a new card and posted an adjustment for the charge.
Since I got the card I've been racking up $7000 - $8000 on average per month, so normally I don't check my account in too much detail (it's really a lot of work) as long as the balance looks about right. But because of this fraud problem I almost didn't use my card at all during this past month (took a while for me to get the replacement card), and I was surprised to see a balance of about $2600. For some reason the numbers just don't look right. So I did my own calculation in spreadsheet and summed up all the transactions to-date. The balance actually ends up to be about $1300.
I e-mailed them about the discrepency. They didn't even bother to check the numbers, just insisted that I pay the balance as shown in their system.
I mean, I know credit card companies are always trying to squeeze money from the card holders, but they wouldn't go so far as cooking the books, would they?… more
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 doing business with Chase again because of a previous bad experience, but the [supposed] benefit of this card is too great to resist (I travel overseas a lot). Well, they sure managed to get back at me on all those miles i've racked up. I mean... is what they're doing even legal? Wonder if it's worthwhile to go through a lawyer.… more
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 regard, and not many banks make it this easy. But after they got rid of fraudulent ones, they will post the legit ones, to which you have to pay for.
This is what i suggest you go through one more time to verify actual spending and payment.
You obviously summed up all spends, now go to your bank's website and see how much money you have paid in total. If that discrepancy still exists, then you should show that to Chase, and they will respond to that.… more
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Last updated on: Mar 23rd, 2015 at 10:52 EDT