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Chase Sapphire Preferred® Card

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
736
Typical Low: 661
Typical High: 800
   

N/A

15.99%*

N/A

15.99%*

 

Variable

 

Variable

Additional Details

Click here for Additional Details

* 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

$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

$488

$488

$488

Value of Bonus Points

$400

$0

$0

Annual & Application Fees

$0

‑$95

‑$95

 

Savings

Total Annual Savings

$888

$393

$393

Total Savings over 3 Years

$1,674

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 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



331 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

Really nice card

The card itself is a really nice metallic card with some weight to it.  The bonus points for signing up is awesome.  Instantly approved for 30K limit and received the card within a few days.  I'm looking forward to using this as my new main credit card.

hypervisor's response was:    

 
Aug 02, 2015
Sound like it will be a great! card Helpful to 4 out of 5 people

I just appied for this card with a fair approval odds. my Fico is Tran 680 Ex 674 and Eq 674. went though the approval process which i didnt get approve in 60 sec, i had to wait a few hours, so I thought ill give them a call. Guy gets on the phone and said account was approved for 5k. But i had a problem im going on business, and will be out for 2 weeks traveling. So i asked the chase dude is there anyway i can get my card to put all my travel expense on it? he was like im not sure, put me on hold, and then transferd me to a security person who was able to send me my card before i went on travel, so 40,000 points here i come. 

Mlewisjones's response was:    

 
Jul 28, 2015

Camvinci(1, 1)

Best card around Helpful to 1 out of 2 people

I'm 21 and just got approved for this card with a 767 TU and 757 EQ. 21k CL. 

Camvinci's response was:    

 
Jul 24, 2015

tylermch(2, 19)

Best travel card period. Helpful to 1 out of 3 people

If you eat out a lot or travel frequently this is a must have card. The rewards system is hands down one of the best. 

tylermch's response was:    

 
Jul 19, 2015

kb1085(3, 50)

Be careful if you get a lot of cards Helpful to 4 out of 5 people

Chase is cracking down. If u opened 5 or more accounts with any creditor in 2 years you will be denied. Recon failed. Even with great history. Search google is wide spread.. so dont waste a HP if you are a mile churner./ Chase is pretty much cracking down. But the card itself is good benefits if you can get it.

kb1085's response was:    

 
Jul 16, 2015

See all 331 Reviews of Chase Sapphire Preferred® Card

† Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for 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 February 2015 through July 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.