Chase Sapphire Preferred® Card

Cardholders' Choice i
Cardholders' Choice i
  • 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
Annual Fee
Purchase Intro APR
Purchase Regular APR
Balance Transfer Intro APR
Balance Transfer Regular APR
$0
N/A
15.99%*
N/A
15.99%*
intro first year, then $95
Variable
Variable
Annual Fee
Purchase Intro APR
$0
N/A
intro first year, then $95
Purchase
Regular APR
Balance
Transfer
Intro APR
Balance
Transfer
Regular APR
15.99%*
N/A
15.99%*
Variable
Variable

Offer 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 the provider's website.

Cash Advance Rate See Terms
Cash Advance Fee 5%, Min: $10
Late Fee See Terms
Balance Transfer Fee 3%, Min: $5

Rewards

Sign-Up Bonus

Earn 40,000 points after you spend $4,000 in 3 months.

All Purchases

1 point per dollar

No cap on spending

Restaurants

2 points per dollar

2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases

Airfare

2 points per dollar

2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases


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
supervelous
Approved with Only Fair Credit
by supervelous
Helpful to 110 out of 119

Don't be discouraged if your credit score, history isn't excellent, or you don't have other high limits.  I have a 690 TU Fico and a 680 Equifax FICO, 700 on Credit Karma and they listed my chance of this card as "Poor".  Also, I have 27 lates in my history, including a 90 in 2007, and a 60 in 2009 on my car loan.  Only two of those 30 day lates are in the last 2.5 years though, and none in 2013.  

To top it off, I had no high limits on my cards.  I had 2 Chase Cards with $250 & $300 limits, a BOA with $500, Capital 1 with $300, and Cap 1 turned me down for a Credit Limit Increase.

Well, I went on Chase site and used their pre-qual tool, and Freedom came up, I applied and was approved for $5,000.  Next day, I decided I wanted to pair with Sapphire Preferred.  I thought for sure declined, but was approved for $6,000.  Only telling you because it is nice to know Chase looks at other factors besides raw score and history, and if you have a similar profile to mine, don't be discouraged from applying.

 

In my case I had $75K income, up a lot from prior years due to promotion, had paid all my cards down to zero so low Utilization, and had 2 credit cards, a checking, and a savings with Chase for years.  I believe it was my combo of good debt to income & prior relationship with Chase that allowed me to be approved despite having a relatively low score.

 

So, don't be discouraged if Credit Karma tells you "poor".  And use Chase Pre-Qual, someone had told me if an offer pops up for you, there's a very good chance of approval.

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
SwiftTone
by SwiftTone
Helpful to 57 out of 68

Applied for this card over the weekend. Denied. CK 709, Vantage 788, EQ FICO 709, TU FICO 704. Utilization is 5%. Denied because my other CC did not have high enough for a CL. Make sure you have a high enough CL on your other cards, definitely around $3-4000.


Our Take

The Chase Sapphire Preferred® Card is a travel rewards card aimed at excellent credit consumers.

What Like

Cardholders get 2 points for every dollar spent on travel and restaurants, and 1 point for every other dollar spent on purchases. The Chase Ultimate Rewards program offers a 20% discount on travel purchases made using points. The card also has no foreign transaction fee and offers a 40,000 point bonus if you spend $4,000 in the first 3 months.

What to Look For

After the first year, there’s a $95 annual fee. There’s no intro APR for purchases or balance transfers, and there’s a high penalty APR after a missed payment.

Similar Offers

† 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 January 2015 through June 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.

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