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
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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 271 user ratings.
Commented at Sep 29, 2014

I have been a member since 2012. I initially had given some rave reviews about this card. But after using it for a few years, I have realized that this is not the best cards in the market. For $95 of annual fee, this is not worth it if you are not travelling around for atleast worth $5000 per year. Whether its in travel/Dining. The most riduculous thing is that this card doesn't cover gas, when it is a travel card. The only thing I'm satisfied with this card is the FX rate at which Chase gives when doing foreign transactions.

If you are making your travel booking through Ultimate rewards and if one has to post-pone the trip, this is a pain in the ***. you will have to pay a heafty amount to cancel/postpone and about $200 for each itinerary.

Now that chase has taken out the 7% dividend yield. It even makes worst.

Please note that, for anyone who is travelling/car rentals/hotels/dining often, this is a useful card. But for me, I used to travel a lot, but for now, my spending levels have gone down and this card is of no use.

I was charged with a finance charge for paying the monthly bill, late by one business day, the customer care rep doesn't even has the curtosy to reverse the charge off. (I have once called up Amex for a similar instance and they did reverse the charge).

But for me, after using this card for 2 years, I'm starting to look at Amex and card services.

Review by Raj6
Commented at Sep 28, 2014

This "chase" bank are all crooks they are very unprofessional and will never contact you if your card number has been stolen and mine was and they would not do anything about it STAY AWAY!!!!!! I wouldn't have selected any stars if I could I give them a zero on everything

Review by JonathanWilliamPeddle
Commented at Sep 27, 2014

Chase is a great bank with great customer service. When you call the number, you are IMMEDIATELY connected with a human. There is no automated system at all! They kept all of their promises with signing bonuses, cash back, etc.

Review by steevven1
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

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.