Chase Sapphire Preferred® Card Reviews

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.

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. 

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

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.

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. 

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.

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

HiII! 

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☺️

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!

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.