Chase Sapphire Preferred® Card Reviews

Cardholders' Choice i
Approval Odds

Sign up or log in to see your Approval Odds

4.3 out of 5 stars
97 Reviews

From Cardholders in the last year

Sign up or log in to see your Approval Odds

Add Review
My Saved Cards
Welcome to My Saved Cards
Save and compare credit cards to find the best fit for you. All you need to do is find cards you like and check the Compare This Card box. When you’re ready to review, click the compare button that appears in this menu.


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 18.24% - 25.24%* Variable
  • Annual Fee $95
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR 18.24% - 25.24%* Variable

Most Helpful Positive Review

Mar 18, 2019
Excellent card
bhfowler88 Cardholder

CK had approval odds at fair, decided to apply anyway and was instantly approved for $5100. CK scores were 625 and 629. They sent FICO credit score with my card and it showed 668. Great card, great cl and online application and instant decision were so fast and easy! Highly recommend. 

more ...

Was this review helpful?


Most Helpful Negative Review

May 16, 2018
Issues in the UK
Gibral Cardholder

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.

more ...

Was this review helpful?


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

Apr 21, 2019
Great first premium card
glinchi Cardholder

This is the one card I wanted to have, and now, I do. Feels good to know what's behind this card, a solid bank and all the insurances it provides for the holder, Has a great concierge service for Sapphire customers that is prompt and efficient, and once you pair it with services like lifelock, it's a winning combination. 

Just learned that you don't have to do all the online shopping thru the rewards portal, but, why not? they make it very competitive and have almost everything, from plane tickets to amazon to special events for card holders. get it, shop with it, respect it, enjoy it and watch all the rewards pile up that will bring happiness to you once you know how to use them.

more ...
Apr 21, 2019
Chase is very forgiving
wlstiger Cardholder

I had a freedom unlimited and ran into a financial bind (credit score 580 at that time) for a few years only making minimum payments and missed two payments with the freedom card and they clsoed it still owing 2k. Been workig on paying it off over the past few years and other debts, and a loan that went to collections. Long story short I paid off the balance on my old chase card last year and opened up a Costco Citi card with a good limit. Did my research on how to rebuild my credit, boosted up to over 700. I applied for this thinking I am not going to get approved after saying I need more verification. Looked a few days later on my Chase checking account and boom, I got a CSP account. From what I hear they for the most part do not contact you if you get approved. I called to verify and they said welcome to csp, I asked to expidite my for and got it 2 days later so I can get teh bounus point so I can have a decent/free honeymoon next year!! Thank you Chase for another chance

more ...
Apr 18, 2019
Go for it!
hengle95 Cardholder

Just got approved with a CL of $6,600 with scores between 680-685 across the board. 24 yr old with 60k income and remaining student loans. I say if your in a similar situation go for it you wont be dissapointed!

more ...
Apr 12, 2019
Feel cool owning it.
Sambd Cardholder

Approved with a very modest CL of $5000. I have a very thin credit profile and 700 ish score. 70k income. Welcome bonus was great and the rewards seem really cool. The card itself is beautiful. Heavy and metal. Love the deep blue color. If I was given a limit as high as on my Amex card this would be my everyday spender. Highly recommend.

more ...
Apr 10, 2019
Happy So Far!
Lauren578 Cardholder

Wasn’t sure about getting approved for this card while I am rebuilding my credit.  I have a lot of student loans but minimal other debt.  Scores just under 700 and was approved with a limit of $5,000.  I didn’t get an instant approval and I had to call twice to get the approval.  I say go for it! 

more ...

Was this review helpful?

1 Reply
Apr 17, 2019

What number did you call?

Apr 08, 2019
Nice initial SL. First time with Chase
FriscoCally Cardholder

CK said I had very good odds of approval. Did some simuation and with a new credit card and line of 10k or more it said my score would increase 66 points.  So after reading the reviews on this one I did it.  Didnt get immediate approval so I called the 1800 number to check 4 days after. Automated response said I was approved but I had to get a operator to tell me my SL. It was $14,800  Nice SL for someone who has no affiliation wih Chase besides this card. I also asjked the operator to expedite the card and they did.   MY CK scores were 688 673 and experian is 710 at time of application and I make 200k plus a yr. Hope this helps someone with a little insight to the approval process. This card gave me a 50-70 score bump across all bureaus. So my scores are I now between 733-760 

more ...
Apr 06, 2019
Great rewards program
robojoyo Cardholder

I applied right here through CK and wasn’t instantly approved. It said they need to review. I was sent a letter about a week later saying I needed to call and verify that I applied. After they sent me a text with a code, she said she was going to now submit it, and then a few seconds later she said it looks like you’ve already been approved, congratulations, and your limit is $7000. My scores were F666,E764,T753. My credit only recently went up because I went to transunion and disputed a couple items and one was removed. I strongly suggest transunion online dispute. It gives you a chance to look at what creditors look at and you may be able to get something removed. My credit jumped up over 100 points after it was removed. Worth a try! Good luck!

more ...

Was this review helpful?

1 Reply
Apr 06, 2019

This is true dispute everything you can the people you owe have so many days to respond most of the time they don’t and things start disappearing from you credit report I had 7 collections now I have two wich or medical bills. Once a debt is sent to collections it is no longer your responsibility to pay because the lender basically sold your debt to a collector. Don’t believe me look it up. Best way to get credit up is disputing and secured credit cards from your bank if approved my credit score went from TU 560 EQ 528 Creditwise 514 to 740 738 and 750 within a year my credit was bad real bad I was unaware how credit worked when I was young and now that I know I want to pass it on contact me for advice no charge I just want to help you seriously just advice no gimmicks. Just a guy on the couch watching game of thrones have a good day and dispute those collections. All of them and when it asks why the dispute click on the one that says no longer liable for this account

Apr 03, 2019
Pleasantly surprised
rdongoodman Cardholder

CK scores: Transunion 752, Equifax 762 with Creditwise 760. Aprroved within days for 20,500 limit

more ...
Apr 02, 2019
Approved TU686/EQ 690/EXP710(Prev. 690)
RusslinJimmies Cardholder

Just got approved for $9,000. My Scores weren't the best Transunion 686 Equifax 690 and I enrolled in experians free trial for one month to get my experian score (690). Anyhow, I noticed on my experian credit report it went up to 710 today, and my credit karma scores for my equifax and transunion were still 686 and 690. I did the free annual credit report and paid 10$ for my transunion one I think? for the score which was 740!!! My guess was that credit karma just hadn't updated it yet. Anyhow I called Chase customer service, and they offer free expediting on any of their Sapphire cards, so they will be expediting it to a 2-3 day lead. I'm just happy Credit Karma helped me manage my bad credit and turn it into something good. Hope this helps everyone! Good luck happy hunting!

more ...
Apr 01, 2019
SUPER Great Card...!!!
KasichPitBuLL Cardholder

Nice SL, $18,7000... Ez $500. after I spent $4k... Heavy card... Feels Great..!! Nice deep color Blue...!! Account numbers are on the back side....!!! I have 3 Chase cards, This one, FU, and regular Freedom!!! Go for it and get it...!!!! :o)

more ...

Was this review helpful?

1 Reply
Apr 06, 2019

Btw CK scores were, 780--TU, 795--EQ, & EX FICO model 9--792... !!!

Add a Review

Add Your Review

I Own It I Had It I Applied

Please state your experience.

How would you rate this card overall?

Please select a rating

What should others know about this card?


How was application process?

How was customer service?

Compare Holders of this Card

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

Note: Sample data consists of Credit Karma members who hold this card.
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.

See Your Approval Odds Before You Apply

Sign up for a free membership, and Credit Karma can estimate your chances of approval based on your credit profile. You’ll also get:

  • Credit scores and reports
  • Credit monitoring
  • Personalized recommendations

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.

† 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 and typical low score to the 5th 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 2014 through November 2014. 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.

The ratings and reviews are brought to you by our users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.


Chase Sapphire Preferred® Card

97 Reviews
Cardholders' Choice i