Chase Sapphire® Card

Sorry, this offer is no longer available on Credit Karma.
  • 10,000 bonus points when you spend $500 on purchases in the first 3 months from account opening - that's $100 in travel rewards when you redeem through Chase Ultimate RewardsSM!
  • 2,500 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • 2X points on dining at restaurants and 1 point per dollar spent on all other purchases
  • Points never expire and there are no limits on how many points you can earn
  • Redeem points for travel, gift cards, merchandise, cash back and more
  • 24/7 direct access to dedicated customer service specialists
  • No Annual Fee!
Annual Fee:
Purchase Intro APR:
Purchase Regular APR:
Balance Transfer Intro APR:
Balance Transfer Regular APR:

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate See Terms
Cash Advance Fee 3%
Late Fee See Terms
Penalty APR See Terms
Balance Transfer Fee 5%, Min: $10
Foreign Transaction Fee 3%
Return Payment Fee See Terms


Sign-Up Bonus

Earn 10,000 points after you spend $500 in 3 months.

All Purchases

1 point per dollar

No cap on spending


2 points per dollar

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
by abciscool
Helpful to 107 out of 114

Just applied online with a score of 693, my approval odds said they were "fair", so I was nervous but I got approved with 2 credit cards under my belt one with a 400 dollar credit limit from best buy the other from citi with 800 dollar credit limit,  best buy card is payed off in full and the citi has a current balance of 140, longest line of credit is 1 year 8 months never missed a payment either, hope this helps people.

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
by DP1619
Helpful to 50 out of 55

I applied on 03/13/14 and was not instantly approved.  I waited till the next morning and called the reconsideration line at (888) 245-0625, the CS Rep was pleasant on the phone and informed me that in order be get approved on this type of card, you MUST have a credit line close to 5k.  I'm new to credit with and my income is 35k, current CL is $1500 with CapitalOne, CK score at 695 (FAIR), UTILI at 7%, and no public or collections records whatsoever.  I only applied for this card because of the rewards, and that Credit Karma gave me the false impression that I'll get approved (based on approval odds -GOOD-) If I had known of the $5,000 CL requirement, I would have not applied for this card because I have a new hard inquiry on my credit report.  SO BEWARE... before applying for this card or any future credit cards, call and ask for the required CL or do some research prior to avoid getting DENIED.  

Also, if you are trying to build credit fast, DON'T DO IT BY OPENING multiple cards within a year because that will lower your chances of approval with other lenders.  This is based on experience because I am that guy who wanted a higher limit quick, but don't wanna wait.  Lesson learned.  Just sit on your current credit card and keep UTLI below 20%.  Pay your bills on time and even if you max out your card, pay it down or all by the date and your UTLI will report below 20%.  I have maxed out my credit cards ($500 CL) each and paid it down. I would leave one at zero and the other with a $20 balance. By doing so, I am increasing my credit score faster and quicker.  Another thing to get approved is the HISTORY of credit.  Having a history, paying on time, no derogatory or collections will help you obtain that high credit limit.


Hopefully this helps.

Our Take

The Chase Sapphire® Card is one of the highest-rated airline and travel rewards credit cards available for high-spending, excellent credit consumers, and for good reason. The Chase Sapphire® Card is designed specifically for big spenders who want to earn maximum travel rewards, and offers double points for airfare booked through Chase’s Ultimate Rewards program. Cardholders also earn 1 point for every dollar spent on all purchases. Points are refreshingly unrestricted, with no limits, no expiration, and can be redeemed for travel, gift cards, merchandise, cash back, and more. A bonus feature to put jet setters and high rollers at ease is Chase’s premier travel and purchase protection benefits, including a dedicated 24/7 live service representatives who will assist cardholders with their needs.

This is an airlines card to be envied, especially because it has no annual fee and offers $100 in bonus rewards -- or 10,000 points -- after spending $500 in your first three months. If you want an airline and travel rewards card to maximize rewards on your high-spending habits, Chase Sapphire® Card is the first card you should consider to take with you anywhere.

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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from December 2016 through May 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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