Offered by: Chase

Chase Sapphire Preferred® Card

  • Earn 40,000 bonus points when you spend $3,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate RewardsSM
  • Earn 5,000 additional 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 and Signature enabled for international travel.
  • 1:1 point transfer to participating frequent travel programs at full value that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.
  • 24/7 direct access to dedicated customer service specialists
  • Introductory Annual Fee of $0 the first year, then $95
745 Average Credit Score Approved for this Card
689 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

See Terms

Annual Fee

$0 intro first year, then $95

Late Fee

See Terms

Cash Advance Fee

See Terms

Balance Transfer Fee

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Saving Details

Year 1

Year 2

Year 3

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Interest Savings on Transferred Balance




Interest Savings on New Purchases




Value of Rewards on New Purchases




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Annual & Application Fees




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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.

1. Earn 40,000 bonus points after you spend $3,000 in the first 3 months.

Compare Holders of this Card
Credit Score
Credit Limit
Current Balance
Credit Limit Utilized
Age of Cardholder
Sample Size: 1,706
Data Created: October 01, 2013

194 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

Approved for $12k after calling recon Helpful to 1 out of 1 people

I have a fraud alert on my account as someone tried stealing my identity, so when I applied for the CSP it was sent for "further information needed" and was told that someone would contact me within ten days. I couldn't wait, so I called the next day after applying and researching online I found the recon number. I called and explained that I had a fraud alert and was asked some in depth questions. After a few minutes wait, I was approved for $12k! I couldn't believe it. I have a 682 CK score and 738 for all three credit bureaus. My credit utilization is 0% (which CK says is bad, but it seems that's fine to every other credit site). I have a few other cards, but this is my highest so far. Seems pretty easy for anyone over a 700. 

philamthebest's response was:    

  Apr 16, 2014

philamthebest(2, 2)

Review by philamthebest

2 Contributions 2 People Helped

Approved instantly.

After trying to increase my limit on another Chase card that I've had for 4 years and being denied, I paid off the high revolving blance on that car and 3 weeks later was just approved on this one with a much higher (5x) limit than my other card through them with a new CS of 721.

Apr 16, 2014
Not too hard for newbie Helpful to 1 out of 1 people

I have roughly 10 months of credit history with a few decent cards: Bluecash Everyday $6,000, SPG $2,000, Freedom $500. Not so confident before I heard a lot of my friends got appoved recently and decided to take a shot. Instantly approved for $5,000. 

I have a Experian FICO of 692, and due to very limited history, I am delighted with the result and will fully utilize this card for a upcoming trip to NYC and later this year to China.

Chenbing's response was:    

  Apr 15, 2014

Chenbing(8, 13)

Review by Chenbing

8 Contributions 13 People Helped

Made out of metal

1) Card is made out of metal

2) 40,000 UR for signup bonus, you can transfer it to airline miles or hotel points.

I just love using it around!

JasonKR's response was:    

  Apr 15, 2014

JasonKR(6, 3)

Review by JasonKR

6 Contributions 3 People Helped

Bombarded with offers for years

They've been sending me offers for this card since at least 2011, but I didn't feel I needed it and the annual fee kept me away. They knew my spending patterns due to my existing Slate card with them. After running the numbers, all things considered, it'll more than pay for itself.

766 CK & Experian, constant high utilization (>50%), 11.5k combined credit limits, 7.5 year history, 3 revolving accounts, 1 closed, 0 hard pulls, no derogatories, never late, and never carry a balance (except on promo 0% accounts). Approved instantly online with 15k limit.

wonkywallet's response was:    

  Apr 13, 2014

wonkywallet(8, 1)

Review by wonkywallet

8 Contributions 1 People Helped

See all 194 Reviews of Chase Sapphire Preferred® 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.