Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Overall card rating

4.5
917 Reviews
from Intuit Credit Karma members

Most helpful positive review

Oct 08, 2023
Got approved for $11k credit line
Credit Karma Member

It’s been 8 months since I applied for a new CC. I was given an 11k credit limit. I will mainly be using this Card for travel and to keep a small monthly spending balance to keep it in good standing. A lot of perks. Let’s see how this goes

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Most helpful negative review

Nov 30, 2022
3 HARD PULLS FOR CREDIT CARD APP!!
Credit Karma Member

Apparently when you apply, you give them permission to pull multiple reports, even with the same credit bureau. I had 3 hard pulls from equifax alone. Nov 22nd, 26th, and 29th. I called in to see if they can remove them and they said they are all valid pulls and there's nothing they can do. It's like I applied for a mortgage or something. They did approve me but I will not be keeping the card or applying for anything else in the future with chase.

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Member ratings

Application process
Customer service

All member reviews (917)

636
107
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May 04, 2021
Use is limited, but bonus is worth it.
Credit Karma Member

The card itself offers a weak amount of points for everyday purchases, but you get this card for the intro bonus and for the increased 1.25x multiplier on UR points. The optimal play is to get this card for the intro bonus and redemption multiplier, but put all your actual spend after hitting the bonus on a Freedom card for the higher multipliers (you can pool all your UR points into the CSR account once you get them). This card also offers high credit limits, if that is your thing.

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Apr 24, 2021
Not a trustworthy company. Will bait & switch you
Credit Karma Member

I’ve had my card for 2 years, always paid on time, low utilization, used it frequently enough to keep account active — didn’t matter. Literally DESTROYED my credit score by reducing my credit line from 17k to 3k. No warning, rhyme or reason. And customer service gives me the wrap around and won’t even give me a contact to talk to someone that can offer an explanation. Don’t fall for their promises of high credit line. They will not honor it long term and will ultimately damage your credit if you actually use the card and carry even a modest balance

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Apr 12, 2021
I applied.
Credit Karma Member

I applied for this card based on CK recommendation. Chase did not approve right away, a few days later I received a call from a representative and they verified my address then told me I had been approved for 12,100. I am extremely happy. My credit score is 720 and has been lingering there for quite some time. I’m hoping this will help it rise with my consistent behavior of paying on time. I will give a score of 1 star being I haven’t received the card yet to put it to use.

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Mar 30, 2021
Worth it
Credit Karma Member

Solid, reliable, worthy card. Easy to maximize, great bonus, great use of points. Customer service does nothing to write home about, but they are fine. However, if you have issues with the claims or refunds or purchase protection departments, BEWARE. They can be quite apathetic and unhelpful, regardless of your level of responsibility. But all in all it’s worth it. If Amex is too much of a reach for you and you want a great rewards card, I’d turn here. The Reserve is primo, but was worried my credit score wasn’t high enough so applied with Preferred instead. I’ve had it over a year now have only had one-two inconveniences.

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Mar 12, 2021
Instantly approved with short credit history
Credit Karma Member

I was instantly approved for $5000 line at EX 731 TU 697 EQF 691. History: 19 months credit history with car loan and 7 months history with a secured credit card. No late payments or derogatory marks. Kept secured card usage under 30%. Poor approval odds from CK.

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Feb 16, 2021
My first Chase card
Credit Karma Member

I did extensive research and made sure I met all their requirements. I applied a few days ago and approved. My fico scores are all above 760, long credit history and I last applied for credit cards 4 years ago.

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Feb 15, 2021
Awful customer service, completely uncompromising
Credit Karma Member

The customer service is horrendous. I had this card for years. I live in Hawaii and used it to rack up miles for flights back to the mainland. Didn't miss a single payment and always stayed within my credit limit. Last week I saved enough to pay off my balance in one lump sum, but I forgot to cancel my automatic payment. The automatic payment overdrew my account and Chase cancelled my credit card without so much as a warning. I have spoken with multiple customer service representatives at this point all of which have been rude and contrite. On the otherhand the application process was straightforward and easy. So there's that.

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Feb 04, 2021
Good card
Credit Karma Member

Make sure you spend enough to break even with the annual fee.

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Feb 02, 2021
Great credit card
Credit Karma Member

I have this credit card over 8 months now Great credit card

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Jan 22, 2021
Best Card Hands Down
Credit Karma Member

At first I received a message stating that my application was being reviewed. I called about a week later and they told me over the phone I was approved! My score was in the mid 600s. I think it helped that I've been a Chase customer for over 10 years however, that is just a speculation. Their credit limit begins at 5k . I received my 80k points after I spent the amount required! I can't wait to use it for traveling!

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41-50 of 917

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card


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