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Offered by: Chase

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is a good match for travelers and for those looking to rack up bonus points. Cardholders receive benefits designed to make travel more rewarding, including no foreign transaction fees.

  • 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
  • No foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance
  • 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
  • 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

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
Typical Low: 645
Typical High: 802









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 "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 intro first year, then $95

Late Fee

See Terms

Cash Advance Fee

5%, Min: $10

Balance Transfer Fee

3%, Min: $5

Saving Details

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost




Interest Savings on Transferred Balance




Interest Savings on New Purchases




Value of Rewards on New Purchases




Value of Bonus Points




Annual & Application Fees






Total Annual Savings




Total Savings over 3 Years


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 intro first year, then $95
  • 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: 1,304
Data Created: February 02, 2015

297 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

Instantly Approved - Limited History Helpful to 2 out of 2 people

I was instantly approved for a $15k line. TU 730, EX 722 FICO 747. I have a limited credit history - my oldest account is 10 months. My credit utilization has never been higher than 20%, and I keep it as close to 0% as possible. I should receive my Sapphire card in 7 - 10 days. I'm thrilled to have built up enough credit to qualify for this card in under a year.

CreditGuppie's response was:    

Mar 21, 2015

CreditGuppie(1, 2)

Approved! Despite Fair odds Helpful to 1 out of 1 people

Instantly approved! Applied through CK offer. Was nervous because my scores have been fluctuating from the 700s due to shopping for an auto loan and a massive, but necessary credit charge for dental work at 0%. Have a history with Chase: Freedom cardholder (though not for long ~5 months) and I've been banking with them for years. All payments made on time on all open lines of credit. Zero out all cards with high APRs every month. I don't do interest or late fees. I take advantage of my cards at 0% but I always pay WELL above the minimums. This is the 5th and final credit card I will apply for to fit my needs. Even if your credit leans on the fair side, if you demonstrate that you are a responsible user, you have a shot at this, what seems to be a, fabulous travel rewards card. have 3 destination weddings to plan for and attend this year so I'm very happy to have this card. Will report back my user experiences.

CK TU 671

TU from recent credit card statement 678

CK EQ 669

EXP 668

Thank you CK and CK users. Reviews have been tremendously helpful. 

ArtLoveMoney's response was:    

Mar 08, 2015

ArtLoveMoney(2, 1)

It does it all. Helpful to 2 out of 2 people

I use this card for personal expenses and a Chase INK card for business.  The points combine for their rewards program, which is nice.

And I've traveled extensively with it (US & Europe) and had no issues with acceptance or foreign fees.  Highly recommended.

KCTiger75's response was:    

Mar 06, 2015

KCTiger75(1, 2)

Premier Card but Chase is a little antsy Helpful to 4 out of 4 people

I have never been able to get a card through Chase for some reason, must not have matched their profile or my utilization must have been too high.  Have an AmEx Plat, several high limit Citi Cards (with low interest rates), high limit Credit Union Card and a variety of high limit store cards (like Home Depot).  Recently I decided to pay off all of my cards and reduce my card count to just a few banks. Once most of my cards (but not all) were showing as paid and my TU was showing around 760 (TU is always my lowest for some reason) I decided to apply for a Chase Freedom.  Got instantly approved for $3500 and decided what the heck, let's try CSP (even though the Chase pre-approval tool didn't show me as eligible).  Instantly approved for CSP, called in and asked them to expedite the card (I really have lousy mail service and this way it comes UPS) -- $9500 credit limit.  Started using this card instead of my AmEx.  

Unfortunately here's the "iffy" part.  I had my card restricted yesterday for a suspicious charge -- they didn't tell me, the card just didn't work.  No email alerts, no alerts on the account (AmEx is much better with this, they immediately call and email so you can resolve any issue before embarassement).

I called into Sapphire and got right through to a person (that is sort of neat) but they had to transfer me to the Security Dept.  After answering some pretty weird questions (what's your height on your driver's license, which of the following cars did you drive in 2000 -- 14 years ago???) they validated the charge I made was okay and removed the block.  I asked them to change my statement address to my PO Box that I use (I have a bill payment service -- Paytrust -- where all my bills go) and they said "oh, custimer service will have to do it let me transfer you back".  So back to customer service, they take care of it quickly, all is good.

...until the next day when I can't charge a $20 breakfast meal (card declined).  I call back in, get transferred immediately to security as there is a block on my account.  They ask "are you aware that an address change was made on your account?".  Huh?  Doesn't the right hand talk to the left hand here?  Anyways, had to go through the same authentication process, validate old address and new address and the card is unblocked -- we'll see for how long.

Other than that I love the card, it is pretty cool looking and I'm looking forward to getting the points bonus.  Hopefully as they get used to my charge pattern I won't get blocked every now and then!

ChiDave's response was:    

Mar 06, 2015

ChiDave(1, 4)


CreditKarma had me as 'Fair' for being accepted for this card. I have 707TU and 685EF scores. I have a Chase Freedom and Chase Amazon card with $500 and $1,000 limits respectively, as well as a target and a few store cards. I have no balance on any card except for the Amazon. Give it a shot if you want the card!

RalphReynolds's response was:    

Mar 05, 2015

See all 297 Reviews of Chase Sapphire Preferred® 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.