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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
736
Typical Low: 652
Typical High: 802
   

N/A

15.99%*

N/A

15.99%*

 

Variable

 

Variable

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

$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



315 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

Never wanted to pay yearly fees on a credit card but decided to try these one because so many people had positive comments. Could have agreed more!!!! The benefits are wonderful...

May 22, 2015
No Hassle Application Helpful to 1 out of 1 people

Approved online this morning with a $15,000 limit. No idea why it's so high (income is 100k, so could be that)

Experian was pulled. Was rejected last month as I had an old derogatory from Cap One back in 2008 that has been yet to fall off. Called for and was granted  2 day expedition delivery. Average Age of accounts was 1 year 8 months, longest credit card  was 2 years 4 months.

Cant wait to start reaping rewards and benefits!

CK 710 EQ 702 EX 713 TU 708

aayin011's response was:    

 
May 22, 2015

aayin011(1, 1)

GOT APPROVED!!! Helpful to 0 out of 1 people

Have been using CK for last couple weeks reading reviews on different cards.  Have been wanting to apply for new credit card due to the fact the 1's I have only have 3000 cl and 3600 the other is only 1500.  CK said my odds were very good. My CK TU is 779 and Eq is 760, have been working to get scores up last couple years.  So decided to go for it.  I applied on line yesterday for the chase freedom and got instantly approved for 5,500! I figured why not try for their Sapphire preferred today, I read on here they pull TU, went online filled out app and was affraid to look, to my surprise got approved with a credit limit of 12,000!! So shocked but very happy.  Got an email saying I would receive my card in mail in 7-10 days.  I decided to call to see how long it actually takes, the rep was so nice and very helpful! He said if you would like I can check to see if we can send rush? Of course said yes, he put me on hold for a min and came back said you will have your card UPS overnight in a day!!! Very pleased I went with Chase because as we know its a hard hit on credit and so glad I got my largest CL yet!!! :) 

g2015's response was:    

 
May 18, 2015

g2015(1, 0)

Just Got Accepted Helpful to 1 out of 2 people

I'm a 25yo guy, with a 742 C.S. I applied online, and it said I would hear a response within 2 weeks. Didn't hear anything back, so I called the application status phone number, and got instantly approved within 10 minutes on the phone.

I got a 5k C.L.

I asked the customer service representative to send the card to an alternative address and they did it with 2 day shipping, with no problms! Excited to use this new card, especially because I'll be living abroad.

Kaplow820's response was:    

 
May 14, 2015

Kaplow820(1, 1)

See all 315 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 November 2014 through April 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.