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
  • Earn an additional point per dollar spent when you book airfare and hotel accommodations online through Chase Ultimate RewardsSM
  • 24/7 direct access to dedicated customer service specialists
  • No Annual Fee!
727 Average Credit Score Approved for this Card
664 Lowest Credit Score Approved for this Card
Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR









Additional Details
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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 "Take Offer" button, you can review the credit card terms and conditions on the provider's website.

Offer Details:

Cash Advance Rate

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Annual Fee


Late Fee

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Cash Advance Fee

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Balance Transfer Fee

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Saving Details

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Year 2

Year 3

Balance Transfer Cost




Interest Savings on Transferred Balance




Interest Savings on New Purchases




Value of Rewards on New Purchases




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Credit Card Usage Profile

Transfer a Balance

  • 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.

1. Earn 10,000 bonus points after you spend $500 in the first 3 months.

Compare Holders of this Card
Credit Score
Credit Limit
Current Balance
Credit Limit Utilized
60+ Days Past Due Status
Age of Cardholder
Sample Size: 954
Data Created: October 01, 2013

102 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

Excellent card Helpful to 1 out of 1 people

Got approved for Chase Preferred card w/ a credit score of 780 plus. I got approved for 15k but decided to transfer limits of other two chase cards. So right now, I own Chase preferred card w/ a limit of 27k. Definitely recommend it. 

Mar 14, 2014
Approved! :D Helpful to 5 out of 5 people

So excited I got approved :D My CK score is 663 but my Transunion Fico is 679. I have older previous delinquincies and a few paid off older collection items. I took the chance to apply even though when I applied for a limit increase with my Citi Preferred card, that I have had since 2011 with a limit of $500, and was denied. If it didn't drop my score I woul have closed my card...anyways, I have 2 other credit cards with $7,000 limits on each and a couple others with $2,000, $3,000, $1,700 and a few with $500. My DTI is very good though with only 13% utilization including my personal and auto loans. My credit age is 5 years. I  hope this helps people! :) Good luck!

Oh, and Chase Sapphire gave me a limit of $5,000.

akpride89's response was:    

  Mar 12, 2014

akpride89(3, 6)

Review by akpride89

3 Contributions 6 People Helped

I applied and got denied Helpful to 2 out of 3 people

I applied for the chase sapphire. I was denied. I called the reconsideration line and after another review was denied again. Chase informed me that  my credit score was still a little low and that my debt to income ratio was too high. I asked if having student loans in deferment was counted against this. She informed me that even though it is deferred, it is still counted because it is a loan that eventually will become part of my monthy expenses; I didn't know that. Overall, happy with Chase's CS and additional info on what some companies look at when  making an approval.  

Would it be possible for CK to add an additional feature to the website pertaining debt to income ratio? I think this would be helpful when other members are considering apply for credit , but are hesitant or not aware of this factor.

I am overall satisfied with the service of both Chase and CK

Tahawus's response was:    

  Mar 11, 2014

Tahawus(1, 2)

Review by Tahawus

1 Contributions 2 People Helped

Bad customer service Helpful to 1 out of 3 people

I have never paid a credit card late... I was only 5 hours late paying this card and they would not reverse the charge or interest accrued. Extremely disappointed in the smart@ss customer service rep and Chase as a whole. I will be closing this account and looking for a card with exceptional customer service. That is because good customer service requires the company to value every customer especially their long-sanding, high spending customers and allow for one mistake when I was traveling out of town for a family matter.  

Mar 08, 2014
DENIED Helpful to 7 out of 9 people

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.

DP1619's response was:    

  Mar 04, 2014

DP1619(1, 7)

Review by DP1619

1 Contributions 7 People Helped

See all 102 Reviews of Chase Sapphire® Card

† Credit Karma members have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.