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  Chase Sapphire Preferred

Chase Sapphire Preferred

in Personal Credit Cards from Chase Bank

Unaffiliated

Chase Sapphire Preferred

Unaffiliated

in Personal Credit Cards from Chase Bank

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Mostly recommended

2 users recommend
2 users are unsure
1 user doesn't recommend
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Highlights
Highlights
Community Rating Mostly recommended
Annual Fee $95
Purchase APR (Variable APR) 17.49% - 24.49%
Balance Transfer APR (Variable APR) 17.49% - 24.49%
Credit Score Range 700 - 850
Number of Reviews 5

Chase Sapphire Preferred Review

Chase Sapphire Preferred is a rewards credit card issued by Chase Bank. 

Good credit. This card is designed for people with good credit. The minimum credit score to apply is 700.

If you're wondering whether Chase Sapphire Preferred is the right card for you, read on. This is everything you need to know to make a good choice.

Is there a Chase Sapphire Preferred cash back or rewards program?

Chase Sapphire Preferred offers a rewards program to its customers.

Chase Sapphire Preferred Rewards
Rewards rate (all purchases) 1%
Max rewards rate 2%
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus (Points/Miles) 50000
Signup Bonus Spend Requirement $4000

Does Chase Sapphire Preferred have a signup bonus?

Chase Sapphire Preferred doesn't offer a cash signup bonus. However, it does include a 50000 points signup bonus after spending $4000 that can be redeemed for travel, gifts, or other perks.

Does Chase Sapphire Preferred offer an annual loyalty bonus?

Chase Sapphire Preferred doesn't offer a cash loyalty bonus.

What are the Chase Sapphire Preferred benefits?

Chase Sapphire Preferred provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Fraud Liability
  • Travel Accident Insurance
  • No blackout dates when redeeming miles
  • Travel Assistance
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Chase Sapphire Preferred?

Chase Sapphire Preferred has a variable purchase APR that ranges from 17.49% up to 24.49%. The card has a variable balance transfer APR that ranges from 17.49% up to 24.49%.

It also has a variable cash advance APR starting at 26.49% .

Does Chase Sapphire Preferred have an introductory APR offer?

No, Chase Sapphire Preferred does not come with an introductory APR offer for balance transfers. Chase Sapphire Preferred does not offer an introductory rate on new purchases.
Chase Sapphire Preferred Rates & Terms
Purchase APR 17.49% - 24.49%
Balance Transfer APR 17.49% - 24.49%
Cash Advance APR Starting at 26.49%

What are the Chase Sapphire Preferred fees?

$95 Annual Fee. Chase Sapphire Preferred charges an annual fee of $95. However, Chase Bank will waive the annual fee for the first year. No foreign transaction fee. Chase Sapphire Preferred does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

The following fees apply to Chase Sapphire Preferred:

Chase Sapphire Preferred Fees
Fees Amount
Annual Fee $95
Foreign Transaction Fee 0%
Balance Transfer Fee 5%
Minimum Balance Transfer Fee $5
Returned Payment Fee $37
Late Payment Fee $37

Does Chase Sapphire Preferred report your account activity to credit bureaus?

Chase Sapphire Preferred reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

How to apply for Chase Sapphire Preferred

  • Visit the Chase Bank website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
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...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Grace Period for Late Payment (Days) 21
Minimum Interest Charge $0
Foreign Currency Transaction Fee 0%
No Annual Fee First Year  
No Foreign Transaction Fee  
Returned Payment Fee $37
Annual Fee $95
Late Fee Amount $37
Balance Transfer Fee % 5%
Balance Transfer Fee Minimum $5
Minimum Age 18
Credit Score Range 700 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Car Rental Insurance  
Extended Warranty  
Fraud Liability  
Travel Insurance  
Emergency Support  
Flight Insurance  
Lost Luggage Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Bonus Rewards 2x
No Blackout Dates  
Every Purchase 1x
No Reward Expiration Period  
Rewards Categories
  • Airfare
  • Every Purchase
  • Hotels
  • Restaurants
  • Trains, Cruises, Other Travel
Signup Bonus (points) 50,000
Purchase APR (Variable APR) 17.49% - 24.49%
Cash Advance APR (Variable APR) Starting at 26.49%
Balance Computation daily balance method (including new transactions)
Balance Transfer APR (Variable APR) 17.49% - 24.49%

Chase Sapphire Preferred Community Reviews

 
 

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