Chase Sapphire Preferred® Card Reviews

Cardholders' Choice i
Chase Sapphire Preferred® Card Reviews
4.3 out of 5 stars
93 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

1 star reviews (12) See All

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

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 28, 2020

Using a all of a credit card's limit, especially on a new account, is a huge red flag to *any* bank. I have this same card and have never felt Chase is trying to "show boat" me into using the whole credit line. It is very standard "good advice" to use credit cards for their rewards, benefits, purchase protection, and simplification of finances where applicable...but NOT to spend to the point where you cannot repay the full statement balance in a given month.

Nov 07, 2019
Worst card ever!
Nikked2000 Cardholder

Applied for this card... got approved for this card. Started using the card. Then all off a sudden wake up one morning and they closed my account!! NO WARNING.. NO EMAIL..NO TEXT..NO NOTICE.
We saw delinquency in your past credit history????!!!
What the hell?
I am so glad that I was not overseas or on vacation and relied on this credit card.

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Nov 15, 2019

they just did this crap to me, applied on nov 6 for sapphire preferred got approved 2 days later they called and said approved for 10,500. waited for card, and got it today to find out it was canceled in transit. what the heck??? I can easily apply for tons of credit and have this bank is a joke....

Nov 18, 2019

Same happened to me. *******s

Dec 01, 2019

What is the valid reasoning that they are giving for doing this?

Dec 25, 2019

They have a separate department full of jerks whose only purpose is to close accounts down for a plethora of trivial reasons.

Oct 20, 2019
Tracyco66 Cardholder

Chase promo said “spend 4000 before November and you’ll get 60000 points.” I had 230 more left to get the bonus and Chase closed the account because I spent too much toward my limit. Avoid this catch 22!!

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Oct 29, 2019

What was your credit limit on this account?

Nov 17, 2019

That makes absolutely no sense. Regardless of credit limit, people max out their cards all the time. As long as you make you monthly min payments, you should be fine well at least in theory

Nov 29, 2019

I don’t max mine out.

Oct 16, 2019
Greta Card BUT
theceller Cardholder

Was great card "BUT" ( CHASE) Closed account  1 week after getting Card . Said Reason was to many Credit Inquireies .. LOL  Was using for 60,000 point bonus , Also added Auyhoised User Chase Cancelled Card " No Waring " No Mail"  "No Nothing " Also Cancled all Chase accounts I have had for over 15 Years .. Will Never Use CHASE again !! Very Unprofessional , In My Opinion !!

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Oct 17, 2019

I would focus on going back go school. I wouldn't approve you if you structured your sentences with all caps like a title and had so many grammar mistakes.

Nov 07, 2019

Same happened to me. This card is total BS

Nov 15, 2019

they just did it to me approved me for 10k and then card arrived it was already canceled, even though they ran my credit 3 times before mailing.... nothing wrong with my credit, have good amounts of cards good limits and standing.....they are such a joke,

Oct 11, 2019
Bull crap
Lissette31 Cardholder

They approve you fir the card wait until you start charging a decent amount and then closes the account they says you have to many cc accounts open. It doesn't matter if I have 20 cards if my cards are being paid on time making payments over minimum payment shouldn't matter. A RIP off

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Oct 29, 2019

If you don't mind me asking how many cards do you have?

Nov 07, 2019

Same happened to me!! Exactly what u said.. as long as u pay your card on time what is their problem
They are full of crap

Nov 22, 2019

why would you own 20 credit cards?

Oct 08, 2019
Beware of this card
Mrselman1967 Cardholder

Was approved for this card at $4000, received card and charged $95 annual fee.  After having only 4 days account was closed with no warning and no explanation. Meanwhile I currently carrier 2 Amex cards which are awesome, thank you Amex, capital one Mastercard and a Discover.  I later called chase to enquirer why account was close and was told I didn't have enough credit.  Credit scores were 747/751, no my credit report shows a closed account.

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Oct 10, 2019

The minimum you can be approved for this card is $5000 lol...

Oct 14, 2019

This is a visa signature card, the minimum limit is $5,000.

Oct 20, 2019

They did the same to me , closed right before I got my bonus points! Never late and paid more than minimums

Oct 22, 2019

Sounds fishy

Oct 24, 2019

They closed it just before getting your points!!!???? Thats so messed up and scamy

Nov 02, 2019

I dont feel like any of that is true the only one that makes any sense is the fact that this is a visa signature card with a minimum cl of 5000$ and if your limit is that close to your bonus spending amount you should probably know it's a bad idea to max the cl of a brand new card

Sep 16, 2019
Terrible company
BuaF1 Cardholder

The short story is, I had a mystery $500 charge on my Chase Sapphire Preferred that I asked to have remove because I didn’t make the charge.  I honestly didn’t think it would be a big deal.  Fast forward one month and a dozen email exchanges and phone calls......They refused to remove it and couldn’t explain to me why the charge was there.

I enjoyed using both Chase cards I had, The sapphire reserve and the Freedom card.  30k limit between the two, but ultimately decided to close both accounts because they couldn’t resolve a simple fraudulent charge.  Also, they really go out of their way to make you feel like a dummy when you say "I don’t understand".

Their last option to me was to write a letter to the CEO to dispute......Write a letter to the CEO.

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Feb 08, 2020

Is this the Preferred or Reserve? Because the Reserve has a $500 annual fee, right? Could that be what the charge is? Only asking because you referred to the card as Preferred and as Reserve in your comment.

Aug 13, 2019
Chase Sapphire Worst Mistake Ever

I’m just like everybody else wanting to have good credit! So I took credit karma suggestion and I applied for the Chase Sapphire credit card.  I was simply approved in minutes!  Credit score at the time of my application was 698 and they had approve me with a $17,500 limit. I received my new Chase Sapphire credit card approximately three weeks later!  activated my card and that was it !  6 days of having my new Chase Sapphire credit card I get an alert telling me that my account was canceled I didn’t cancel my account nor did I use it so I called chase customer service I was transferred four times and finally I was told that they had to cancel my card JP Morgan Chase had buyers remorse. 

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Sep 13, 2019

Ridiculous. They shouldn't be lawfully able to do that

Oct 13, 2019

I'm thinking that Chase gave you too high of a credit limit with your Scores so that's why they cancelled your account. If that's the case, they should have reissued you another card with a lower limit.

Jan 08, 2020

Did that cancellation lower your credit score?

Jul 25, 2019
Spaniard89 Cardholder


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Jun 06, 2019
Beware of being approved!
Cantbeat24 Cardholder

I applied and got approved for $6300 credit limit. Got the card in the mail, activated it. Got some more brochures a few days later. Before I even used the card, they closed the account. What? Then got an email saying that I had too many inquiries. I only have 3 and 1 was theirs. The other 2 were from a year ago. Will never do business with Chase in fear of them closing the account and being denied at the register.

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Jun 13, 2019

I applied for a card because on credit karma that had an offer for 0 percent interest for 15 months on a balance transfer. Then after I got a approved, it read differently. Somehow, the application process got messed up and I was approved for this card instead. I would never apply for this card because it doesn’t offer balance transfers and there’s a $95 annual fee. The card I applied for had no annual fee. The customer service is disgusting. They are condescending and they insist it’s your mistake. I spoke to two supervisors, Uvia and Matthew and they were disgraceful.

Jun 18, 2019

Thank you for the heads up !

Jun 18, 2019

5/24? Could be the reason

Jul 11, 2019

I was approved, and at the apple store the card was declined. I called and they said my account in under review, im waiting until tomorrow to see if this is what happened to me as well, if so, everyone will be hearing of this from me, EVERYONE! This is HORRIBLE!!!

Sep 09, 2019

That’s bs. How embarrassing

Dec 19, 2019

I also applied for the no fee card and was sent the 95$ one. They said I have to keep this one for a year before I can swap. But honestly, I've met the 4k spend requirement, and my husband and I are really liking all the travel perks so we'll probably keep it.

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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

12 Reviews
Cardholders' Choice i