Last Updated: 10/08/2025
SuperMoney User Recommendation Score +83
Strongly recommended54 total votes
Cast Your Vote
Compare All Credit Cards
Filter & compare all your options in one place.
Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
19.99% - 28.24%(Verified 06/24/2025)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
19.99% - 28.24%(Verified 06/24/2025)
Disclaimer popup with additional information
Credit Score Range
700 - 850
Annual Fee
$95
Disclaimer popup with additional information
Number of Reviews
Chase Sapphire Preferred® Card Review
This is a travel card issued by Chase Bank. If you're wondering whether Chase Sapphire Preferred® Card is the right card for you, read on.
Key Takeaways
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 19.99% up to 28.24%.
- A 5% balance transfer fee. Chase Sapphire Preferred® Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Chase Sapphire Preferred
| The Good | The Bad |
|
|
Chase Sapphire Preferred FAQ
Does Chase Sapphire Preferred have a cash back or rewards program?
Chase Sapphire Preferred is a travel rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Travel | Up to 5 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Airfare | 5 x points (5x on travel purchased through Chase Travel℠) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Hotels | 2 x points for a total of $50 (Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Restaurants | 3 x points (3x on dining, select streaming services and online groceries) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x points (1x on all other purchases) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Chase Sapphire Preferred have a signup bonus?
Yes. Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Does Chase Sapphire Preferred offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Chase Sapphire Preferred benefits?
Chase Sapphire Preferred® Card provides the following benefits:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Zero fraud liability
- Travel Accident Insurance
- No blackout dates when redeeming miles
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Chase Sapphire Preferred?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Chase Sapphire Preferred® Card has a variable purchase APR that ranges from 19.99% up to 28.24%. The card has a variable balance transfer APR that ranges from 19.99% up to 28.24%. It also has a variable cash advance APR of 29.24% .
Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does Chase Sapphire Preferred have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Chase Sapphire Preferred have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Chase Sapphire Preferred?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $95 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $95*$95 .
Does Chase Sapphire Preferred have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Chase Sapphire Preferred?
The customer service number for Chase Sapphire Preferred is (877) 242-7372.
What is the support contact email for Chase Sapphire Preferred?
The support contact email for Chase Sapphire Preferred is customerdepartament@chase.com.
What is the login page for Chase Sapphire Preferred?
You can access the login page of Chase Sapphire Preferred here.
How do people rate the customer service and user experience of Chase Sapphire Preferred?
Overall, Chase Sapphire Preferred is strongly recommended based on community reviews that rate customer service and user experience.
Does Chase Sapphire Preferred® Card report your account activity to credit bureaus?
Yes, Chase Sapphire Preferred® Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Chase Bank perform a hard credit pull?
Yes, Chase Sapphire Preferred performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Chase Sapphire Preferred
- Visit the website of Chase Sapphire Preferred.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 1:00PM