Chase Sapphire Preferred®

The following table shows the features, rates, and other key data for the Chase Sapphire Preferred® offer in Chase offers. These terms are updated on a daily basis by the database. If you wish to apply for the card, you may do so securely on its official website by clicking the Apply Now button below:
Chase Sapphire Preferred® Apply Now
  • Earn 40,000 bonus points when you spend $3,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate RewardsSM
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • No foreign transaction fees, plus Chip and Signature enabled for international travel.
  • 1:1 point transfer to leading frequent travel programs at full value - that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.
  • 24/7 direct access to dedicated customer service specialists
  • Introductory Annual Fee of $0 the first year, then $95
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A 15.99% Variable* Introductory Annual Fee of $0 the first year, then $95* Excellent Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR 15.99% Variable*
Annual Fee Introductory Annual Fee of $0 the first year, then $95*
Credit Needed Excellent Credit*

Credit Score Needed

Chase Sapphire Preferred® is generally for people with Excellent Credit, though other factors besides credit score can also determine whether a particular application is accepted. See more Chase offers.

Most Helpful User Review

Commented at Oct 17, 2012

I applied back in March and was denied due to not having another CC with a similar credit limit of the $5000 minimum on the Sapphire Preferred. Back then my FICOs were EQ704 and TU709. After 6 months of working on my credit and getting new cards with larger limits, and getting increases on current cards, I applied last week and was approved!! I was approved with FICOs of EX715, EQ729. My AAoA is 3+ years, utilization of 1%, and my other CLs were $4250, $4000 and 2 $1250. They instantly approved me for $5000! Called the regular customer service number and had them overnight it to me for Friday because I wanted to book a trip. It didn't end up arriving. Ended up calling the Sapphire specific line and had them overnight it to me for Monday. I did receive it Monday but not at my business address as I had requested. O well, atleast it wasn't stolen out of my mail box(I live on a busy street)

So far I love it. It's a beautiful card, and has some heft to it. I've already received many compliments on it. The 40,000 bonus points(after spending $3k) surely doesn't hurt as I have already almost reached $2k spending on it.

Booking flights through Ultimate Rewards mall isn't cheaper in my experience. It does give you 3 points/dollar. But you can book through another travel website via a link on the site, and it will give you 4points/dollar, and its cheaper.

This card gives you 2 points/dollar when spent on travel(including taxis and tolls), 7% dividend on points earned in the year, no forex fees. Also if you have the Chase Trifecta(a chase checking account and the Freedom cards) the rewards really start adding up!

Review by SwiftTone

User Reviews

Average Rating: 9.4 out of 10 based on 265 user ratings.
Commented at Sep 13, 2014

Amazing credit line given...I was shocked...

Review by briantyf
Commented at Sep 10, 2014

Having spent the summer time forking over a couple hundred bucks to Lexington Law, I ended up with a perfectly clean EQ file.  A bit thin, but luckily for me, I paid off a $40K Chase car note a decade ago.

Applied last Thursday (it's now Tuesday).  Wasn't auto approved because of fraud alert.  Called Recon, told I needed to speak to Verification.  Verification sent me to local branch to show my DL, they asked me a bunch of questions.


Told them to send expedited.  Arrived UPS today.

$34K credit line.

Game on Europe!

Review by IareStevens
Commented at Sep 6, 2014

I'm new to CK and was given a 713 score with Experian giving me a 749.  I only have a few cards with limits not exceeding $3k.  I wanted a card that gave me travel benefits and rewards and had a Fair Approval Odd, according to CK. I decided to go for it and was instantly approved for $12k. Still a bit shocked I got a limit that was this high as I previously never had anything above $3k.  Thanks to this my Utilization is under 10% and my scores went up.

Review by DeeTeaWOW
Commented at Aug 24, 2014

I applied on line and was instantly approved.  

Chase is the only issuer I know of that lets you take credit line from one Chase account, and add it to another.  I had been using a Chase Southwest Rapid Rewards Visa, and since this card fits my needs better, and has even better rewards, I closed that.  I was able to take the credit line from that and add it to my new Sapphire Preferred account, with just a phone call.  This allowed me to close the old account without lowering my overall available credit. 

Also, the day after I applied, I called and they were able to overnight my new card to me, which was extremely helpful. 

I'd been using the SW Rapid Rewards Card from Chase, and had been impressed with the customer service with that card.  However, this one is even more impressive.  Live person answers anytime you call, and they are always knowledgeable and helpful. 

Review by omeinv
Commented at Aug 23, 2014

The customer service is excellent! Their automated phone menu is very efficient. Customer service representatives are very friendly. When being transferred to another department on the phone, the original representative stays on the line, on hold with you if necessary, then introduces you to the next department rep, WOW! 

Review by Anonymous

Credit Limit

If approved for the card, the issuer will notify you of the credit limit on your card. Please see the Chase Sapphire Preferred® for complete terms, conditions, and details of the offer.

+ This information is provided through a relationship with Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.