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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 RewardsSM
  • 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 and Signature enabled for international travel.
  • 1:1 point transfer to leading 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

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
Typical Low: 645
Typical High: 803









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

286 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

Just Got Approved!!

I waas really skeptical after reading some of these reviews but i took a leap of faith and applied. I owned 1 CC (first premier) with a $300 limit and 2 car loan one which was paid in full and the other with a bal of $3000. I have no late payments but my AAoA wasn't the best only at 1y 8 mths but i some how got instantly approved for $11,400. I am through the roof very excited to have this card.

TU 780 EX 770 EQ 786

Neetu27's response was:    

Feb 25, 2015

Neetu27(1, 0)

Must have card for points-junkie Helpful to 2 out of 2 people

I've had this card since 2010, it was the very first travel rewards card I applied for and was instantly approved for. I was in college at the time, and only because I had opened all the utility and cable accounts in my name and against my social security number for the previous two years (plus a BofA credit card) did I have a high enough credit score to get this card. 

The card is the best for international travel as their is no foreign transaction fee and it has a chip so it works globally as most countries in Europe haven't used a swiped card in nearly a decade. 

With earnings of 2 points per dollar on all travel (except gas) and dining expenses points add up quickly and with the many different airline and hotel transfer partners available there are so many ways to redeem points for that vacation you thought was only a dream!

I highly recommend this card, but you need to have excellent credit and MUST pay your balance in full every month. If you are someone who only pays the minimum balance each month this card isn't for you, and neither is any travel rewards card as the all have the highest APR rates!

jollyman89's response was:    

Feb 24, 2015

jollyman89(1, 2)

Premier card Helpful to 1 out of 1 people

I utilize this card mainly for dining right now. $11,100 limit with 823 Fico.  I'm saving my points for travel. Book your travel through the Chase website and you can earn about 1.2 times the value of your points. You can also use Chase points from this card and Chase Freedom cards on to purchase items.  You can also transfer points from one card to another on the Chase website. I pay it off every month due to the interest rate. 

mindjazz's response was:    

Feb 23, 2015

mindjazz(97, 22)

Top Contributor

Excellent card, excellent service Helpful to 3 out of 3 people

If you don't get approved right away, call the reconsideration phone number. You'll have a very, very good chance of being approved. Regardless of what your credit score is. I got approved for 3 chase cards with a combined limit of over $20k by taking 5 minutes to call the reconsideration number. 

Feb 23, 2015
Approved with a ok score Helpful to 3 out of 4 people

 First thank you Chase for giving me the change to have such a great card on my side, I would start with the feeling of this card is way different than the others I have before (Amex, Discover, Etc..) its heavy, I think is made of metal (for real), and they didn’t approved me right away, they first send me and email to call them, then they send me a letter for me to send them some proof of address, ids, etc.. but at the end they got me in with a CL of $5,000 with a 0 intro fee for a year and $95 after the first year, but the rewards programs would cover that feed and surpass it so I’m not worry about that… I only have less than 2 years building my credit, never missed a payment and trying to keep my overall credit limit under 30%, I apply even when Credit Karma says I only have a “Fair” chance to get approved since I want it to have this card after reading all the reviews but was a little worry since most people only get this card with over the 700’s score… If you get this or any other new good cards please be responsible and remember is a credit line, no free money to spend, you still have to paid it back… ;-) , credit is everything here in the USA so keep it clean and good ;-)

HappyCreditCamper's response was:    

Feb 23, 2015

See all 286 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 August 2014 through January 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.