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Offered by: Chase

Chase Sapphire® Card

  • 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!

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
685
Typical Low: 627
Typical High: 745
   

N/A

15.99%*

N/A

15.99%*

 

Variable

 

Variable

* 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.

Offer Details:

Cash Advance Rate

See Terms

Annual Fee

$0

Late Fee

See Terms

Cash Advance Fee

3%

Balance Transfer Fee

5%, Min: $10

Saving Details

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost

$0

$0

$0

Interest Savings on Transferred Balance

$0

$0

$0

Interest Savings on New Purchases

$0

$0

$0

Value of Rewards on New Purchases

$479

$479

$479

Value of Bonus Points

$100

$0

$0

Annual & Application Fees

$0

$0

$0

 

Savings

Total Annual Savings

$579

$479

$479

Total Savings over 3 Years

$1,536

Credit Card Usage Profile

Transfer a Balance
Edit
  • Balance to Transfer: $2,500
  • Monthly Paydown: $600
  • APR: 21.99%

Earn Rewards

  • $1,000 Monthly Spending
  • $45 Gas
  • $75 Groceries
  • $20 Travel
  • $50 Restaurants
  • $50 Entertainment
  • $760 Other

Establish or Build My Credit

Card Details
  • Annual Fee: $0
  • Minimum Deposit: $0

Finance a Large Purchase

  • Initial Purchase Amount: $3,000
  • Monthly Paydown: $60
How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

Note: Sample data consists of Credit Karma members who hold this card.

Compare Holders by ...

Credit Score
Credit Limit
Current Balance
Credit Limit Utilized
60+ Days Past Due Status
Age of Cardholder

Sample Size: 2,113
Data Created: February 02, 2015



156 Cardholder 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 Recent Reviews

No Complaints!

This post is a follow up from April 2014: I love this card!!  I have had this card for about 10 months and it is now my go-to card.  I got an initial CL of $8000 and was just given a CL increase to $12000 and it hasn't even been a year yet!! They are also allowing me to transfer balances to this card with 0% APR for 12 months!  The rewards are great and very flexible.  I use them for my Amazon.com purchases.  I understand that this card is no longer available.  New customers will have to get the Sapphire Preferred card.  I highly recommend!

bishop10021's response was:    

 
Feb 20, 2015

bishop10021(3, 6)

Favorite Card!

This is my favorite credit card. First, it came with the new chip installed, which will be required by all cards soon. Next , I got an incredibly high credit line so I can use one card for everything. The only time I had to call, I was so shocked that a human being answered the phone!! I used my card to purchase a US air ticket, and when I got to to the airport to my surprise they announced : Will all first class ticket holders and any Chase Sapphire members please load the plane.  So far, I have had nothing but pleasure owning this card.

Feb 13, 2015
Helpful to 2 out of 5 people

Our "Customer Experience" with Chase has been totally unsatisfactory.  I would highly recommend you elect to shop for your CC elsewhere.   I'm not a "hidden defector"; I wrote Chase with a long letter and never received any acceptable responses.  Most responses, seemed like:  send this SOB, Form Letter #3.

Our cards were breeched, not once, but several times.   They canceled a Card on me, due to breech, while we were on vacation.  1 week later, they alerted my wife to "fraud" and canceled her card too-----leaving us somewhat stranded out of town, without credit cards.    

I tried to encourage Chase to act and remedy our situation, but the Service and Responses thru Customer Service were totally unsatisfactory.   Add Chase to my heap of former Business Entities that I have elected to never do business with again:   Chase joins, Sears, JCP, Radio Shack, Circuit City, Best Buy----all Retailers who literally took my business, but lacked in support of my real needs.    Net:  Never Ever Do Business with Chase, if you can avoid it.

GeorgeMunas's response was:    

 
Feb 10, 2015

GeorgeMunas(1, 2)

Helpful to 0 out of 1 people

Our "Customer Experience" with Chase has been totally unsatisfactory.  I would highly recommend you elect to shop for your CC elsewhere.   I'm not a "hidden defector"; I wrote Chase with a long letter and never received any acceptable responses.  Most responses, seemed like:  send this SOB, Form Letter #3.

Our cards were breeched, not once, but several times.   They canceled a Card on me, due to breech, while we were on vacation.  1 week later, they alerted my wife to "fraud" and canceled her card too-----leaving us somewhat stranded out of town, without credit cards.    

I tried to encourage Chase to act and remedy our situation, but the Service and Responses thru Customer Service were totally unsatisfactory.   Add Chase to my heap of former Business Entities that I have elected to never do business with again:   Chase joins, Sears, JCP, Radio Shack, Circuit City, Best Buy----all Retailers who literally took my business, but lacked in support of my real needs.    Net:  Never Ever Do Business with Chase, if you can avoid it.

Feb 10, 2015
Best card out there.

This card has a 0 annual fee, you collect awesome rewards, and the customer support is fantastic. I use both this and my Bank of America cash rewards mostly except the occasional purchase on my other cards to keep them active. I'm not sure why exactly some go for the Chase Preferred being that it has a steep yearly fee. This card is better to me in any respect. If you're choosing a card to go with, I say Chase Sapphire is definitely a winner. I was stoked last Summer when I got approved for it and still stoked to this date. I've already received one balance increase on this bad boy and didn't even have to call in to Chase to request that to happen.

dustinrox's response was:    

 
Jan 29, 2015

dustinrox(3, 820)

See all 156 Reviews of Chase Sapphire® Card

† These Approval Odds represent Credit Karma’s estimation of how likely you are to be approved for a product based on a comparison of your profile with data about Credit Karma members who have been approved for the product in the past (if available). There is no guarantee that you will be approved by the lender or that credit will be extended to you.

‡ 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 September 2014 through February 2015. 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.