Chase Sapphire Preferred® Card

Cardholders' Choice i
Cardholders' Choice i
Apply now
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. 
  • 2X points on travel and dining at restaurants worldwide 
  • 1 point per dollar spent on all other purchases.
Annual Fee:
$0 intro, $95 after first year
Purchase Intro APR:
N/A
Purchase Regular APR:
17.99% - 24.99%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
17.99% - 24.99%*
Variable

Details, Rates & Fees

Click here for 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.

Cash Advance Rate 26.99%* Variable
Cash Advance Fee 5%, Min: $10
Late Fee See Terms*
Penalty APR None
Balance Transfer Fee 5%, Min: $5
Foreign Transaction Fee $0
Return Payment Fee See Terms*

Rewards

Welcome Bonus

Earn 50,000 points after you spend $4,000 in the first 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

Airfare

2 points per dollar

2X points on travel and dining at restaurants


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
Yppec46
Quick approval. Excellent Service.
by Yppec46
Helpful to 61 out of 61

Applied for this with 758 TransUnion / 756 Equifax scores on CK. I got a notification that my application was under review, so I took another reviewer's advice (that I'd seen on here while researching) and called them the next day. Once I had an agent on the phone he simply picked my case from the automated system and set up the approval. I got a $7,000 limit right then. Relatively low for the average on here, but prior to this I only had one lower limit card on my record so, I can see the logic.

It was high-time I had a card with some clout, and this one has been very good to have so far. (It even just looks and feels cool!)

Once this card populated onto my credit record though, my credit shot up to 786/783 ... and I'm not at ALL mad at that!!  \,,,_

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
Gibral
Issues in the UK
by Gibral
Helpful to 307 out of 340

Ifthis card is designed for you to travel with then it is not fulfilling it's value. I went to UK and multiple areas in London, different parts of England, Wales and Ireland could not read the card. Places like McDonald's, Hamleys, etc. I'd say half of the retailers could not read it. Worst case was budget rent a car could not read it so I ended up having to use my debit card and having to pay extra ($250) for rental car insurance. Again, this should not happen if it is a card designed for travel that you have to pay $95 for.


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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ 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 June 2018 through November 2018. 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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