Chase Sapphire Preferred® Card Reviews

Cardholders' Choice i
Chase Sapphire Preferred® Card Reviews
4.3 out of 5 stars
90 Reviews

From Cardholders in the last year


Application Process

4.5 out of 5 stars

Customer Service

4.5 out of 5 stars

4.5 5

Card Details

  • Balance Transfer Intro APR Not Applicable
  • Balance Transfer Regular APR 17.49% - 24.49%* Variable
  • Annual Fee $95
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR 17.49% - 24.49%* Variable

Most Helpful Positive Review

Aug 03, 2019
mattballew Cardholder

This is my daily use card. Got it with a 640 credit score with a $6,600 limit. Only problem with the card is if I make a payment of $1,000 or more at once they flag the payment and it takes about 7 days to go on to my available balance. Easy fix is make 2x $500 payments.. 

card is metal! 

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Most Helpful Negative Review

May 01, 2019
Decent Card. Beware of Chase though.
smonkey12 Cardholder

This was one of my first cards as an adult. I had it for a good 6 years or so with a 20k limit. I used it pretty regularly for awhile but then moved to a different card and carried a zero balance on this one. One day Credit Karma tells me that one of my accounts had been closed. I figured out it was this credit card. I called Chase to see why in the world they just cancelled my card for no reason. I was told it was becasue of inactivity even with a 95 dollar annual fee. They would not reopen the account for me. They said I could reapply.. WOOHOO. thanks! This cancellation had a relatively significant effect on my score with this being one of my oldest cards, not to mention the 20k reduction in available credit. The fact that they wouldn't reopen the account which was in perfectly good standing, and the fact that they "notified" me they were closing it by sending another piece of junk mail really left a bad taste in my mouth. I'll never open another Chase card again.

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These reviews were written by current and former cardholders in the last year.

Jan 21, 2020
So Far So Good...
ddhanson Cardholder

I applied for this card on 1/20/2020 with a 772 score for both TU/EQ.  I was immiediately approved with a 26k limit.  Will update this reveiw after the 3 months/4k spending for the 60k bonus points.  I also applied through a referral process as my brother has the card and loved it, and wanted to get him the 15k bonus.  I will leave the review as a 4/5 until the bonuses have been allocated.

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Jan 19, 2020
It’s my best card.
StaffyJ Cardholder

This is my 4th credit card. I was approved with a T score 695 / am E score 701 and given an $16,600 limit. I got my card in October 2019 and maybe worried too much about reaching that $4000 threshold to receive the 60k miles but with Christmas around the corner it was much easier than expected. I basically put everything on this card. I think it's important to know that you may have to verify that they assign your transactions correctly at times when you are expecting the additional points for purchases that apply. I purchased food and parking on a college campus and saw my purchase was assigned as an education purchase. Fortunately, the app allows you to quickly make that correction. Also, I had questions about how the card perks would work for me for an upcoming trip I purchased. Customer service was very polite, patient, and clear. I am having a great experience so far. 

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Jan 20, 2020

How long of a credit history did you have, if you don't mind me asking? I really want to apply, but am only showing a "fair" chance of getting approved. 703/698 scores.

Jan 21, 2020

Mine says good approval odds and my credit is slightly lower than yours. I have a history with chase using amazon only for 3 years if that helps.

Jan 17, 2020
very good card
hassandayton Cardholder

I have a credit score of 800+ .. credit limit 21K with 100K points with in 2 years 

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Jan 13, 2020
They closed my account with cause.
SarahI0 Cardholder

Not a good card to have if you use all your credit like they show boat you into. Then they close the account for no reason but still owe a huge debt. My credit will take a hit because of this card.

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Jan 14, 2020

Why would you max out a card they never suggested that i dont blame them because your obviously a risk if you cant paythe balance in full

Jan 15, 2020

When did you open it and when did they close it?

Jan 10, 2020
Approved Quick
detroitmogul Cardholder

I have a 767 credit score and since I saw the points you get I decided to go ahead and apply. I spend $250k a year on FB ads and when I saw that all I had to spend was $4k in the first 3 months to get the $750 travel credit I jumped on it. I got approved for $16,200 out the gate. 

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Dec 22, 2019
If you love rewards this card is for YOU

I was at really good approval odds when I decided to apply. Got approved for decent amount, and started using right away. Rewards stacked up quickly since I eat out a lot. A few months later my line increased by another 4k. Nice feel and weight. Definitely a different class of card with all the perks associated with it. Worth getting.

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Dec 22, 2019

Do you carry 0 balance when the statement hits or do you just pay your statement balance in full. Just got the card and trying to gauge on how the increase the limit

Dec 28, 2019

Hi ,what score do u have when applied for the card ?

Dec 09, 2019
Main Daily Use Card
IndyJeepMan Cardholder

I've had this card since 2014 - this is the card my wife and use daily (Charge $60k-$70k a year on it and PIF monthly so interest rate is no concern).  The rewards are solid, and due to our use I make more off the card in rewards use than the annual fee, so it's worth it.  I would NOT recomend having more than 1 card with an annual fee unless your charge rewards outweigh the fee, which is hard to do across mult fee cards.

Initial CL approved was $29k

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1 Reply
Dec 17, 2019

What was your score and income when you applied for the card not trying to be nosey just trying to see if I'll get approved

Dec 04, 2019
Shoot your shot
ABayyy345 Cardholder


So, I tbjnk Chase should be paying me a monthly endorsement fee at this point because I am recommending this card to folx on a daily basis! I loveee this card and I'm so happy with the benefits. 
Back story: I started my credit journey late 2018 by cutting up my credit cards and using the SELF lender app where I saw I huge change in my credit score. In November I had a score of 530, by April I had a 610 then in September I finally hit 700 (woot woot). This was a combination of keeping my credit utilization below 30, sometimes 20%, making my payments on time and taking advantage of credit line increases from other credit cards. When I started my journey, I knew that this was the credit card that I was going to apply for so in June, I went ahead and applied... and I got approved for $5400!!! At the time my score was no more than 650 TU and 630 ish EQU. 

I was able to get the 60,000 point bonus by spending $4000 within the first month of owning this card which was so awesome (60,000 points was worth $800+ in travel or $650 in cash back, still haven't decided which I'll accept)!!! Fast forward to Dec 1st, after having this card for only 5 months, my credit line jumped to $10,400!!!! Funny enough, they didn't even notify me of this change, I saw it via credit karma but I was still very thrilled! I called Chase to assure that it was accurate and the customer service rep explained that since I spend about $400-500 per month on the card and pay off $350-400 by the next statement closing date consecutively, the bank saw no issue with increasing my balance within those few short months!!! 

Back in October I got my 60,000 points but in order for me to do so I had to make a big purchase because I hadn't used the card all month so I paid off my iphone 8plus, purchased the iPhone 11 p max, and accessories which came out to be around $600, by November's statement, I had paid back $550 of these dollars back. Explaining these purchases is just to give examples of how I pay my cc bill so that you can get the idea of how I got this swift credit line increase. 

I think that this card is so awesome and I always recommend my friends and family to apply because the additional $8,000 credit limit is usually untouched but nice to have ICE. 

Good luck to everyone on their credit journey, thumbs up to Chase for this card. 

FYI: approval odds stated "fair" when I applied so I was skeptical but went for it anyways☺️

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Jan 15, 2020

That is so awesome I think I want to apply for this card now.

Jan 17, 2020

I want this card so bad my CS is 646 I’m gonna try to get it a little higher. Approval odds are fair

Nov 30, 2019

I received the green "Already Approved" message in the Chase App with a CL of 6500. Applied on the 14th if November, Had it rushed shipped and received it on the 18th for my birthday the day before I flew out to Jamaica. Perfect timing!

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Nov 29, 2019
740 TU with approx 2 yrs credit history
megansidd99 Cardholder

I was a little concerned I would get declined for this card due to my length of credit history. My average history is less than 2 years (I'm 20 yrs old) and between my two main credit cards I have only a $3,900 limit. I do have a higher income than I used to ($70,000) which may have boosted my odds. I was instantly approved with a $8,400 limit. Credit Karma gave me a "very good" rating and also a "fair" rating to be accepted by Chase. I would say if you have a credit score over 700, do some research on Google and then go for it. I experimented with the credit card simulator on Credit Karma and decided to take a chance. I'm glad I did! The benefits are amazing with this card, not to mention the sign up bonus.

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Dec 16, 2019

You’re 20 yrs old and make $70000? What profession is that? I’m assuming you haven’t completed a 4 year degree, unless you started college at 16 and applied for a job, got accepted, and started working immediately after graduating

Dec 17, 2019

lmao I was asking myself the exact same thing

Dec 26, 2019


Jan 03, 2020

Maybe she is a dancer they make alot !or works for family let's not be jealous,no one is the same no judgement. 🧚‍♀️😊

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Sample Size: 1,304
Data Created: February 02, 2015

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Chase Sapphire Preferred® Card Reviews

Chase Sapphire Preferred® Card

90 Reviews
Cardholders' Choice i