Last Updated: 10/08/2025
SuperMoney User Recommendation Score +83
Strongly recommended54 total votes
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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 |
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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.
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
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Other Credit Cards from Chase Bank
Purchase APR
18.99% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
18.99% - 28.49%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
16.49% - 24.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
740 - 850
300
850
Annual Fee
$0
Purchase APR
20.49% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
20.49% - 29.24%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0
Purchase APR
20.24% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
20.24% - 28.74%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$795
Disclaimer popup with additional information
Purchase APR
20.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
20.24% - 27.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$99
Purchase APR
19.24% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 27.99%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
20.49% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
20.49% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
Disclaimer popup with additional information
Purchase APR
16.49% - 24.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
19.99% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.49%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$99
Disclaimer popup with additional information
Purchase APR
20.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
20.24% - 27.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +83, or 4.7 on a 5-point rating scale.
+83
-1000+100
No one recommends
Everyone recommends
Chase Sapphire Preferred® Card Community Reviews
Would you recommend Chase Sapphire Preferred® Card to your friends?
RW
Ryan W.
Jan 8, 2024
May or may not recommend
I've been using the Chase Sapphire Preferred® Card for my travels and dining, and it's been an incredible experience! The 60,000 bonus points offer after spending $4,000 in the first 3 months was a great start. I regularly earn 5x points on travel through Chase Ultimate Rewards® and 3x points on dining, which adds up quickly. The card also earns 2x points on other travel purchases and 3x points on ...Show More
KD
Kelcie D.
Oct 26, 2023
May or may not recommend
If you want to build travel points, this is a fantastic card. The APR isn't that great, so you just have to stay on top of your balance, but I've already paid for 2 flights to Orlando from Denver and am almost up to enough to fly to the UK next year. Plus, Chase is really great bank to work with. They are always helpful and the app and website ...Show More
U
Anonymous
Jun 1, 2023
May or may not recommend
Very nice and easy I love the bank account very fast too
DR
Danerrion R.
Jan 30, 2023
May or may not recommend
I've been using the Sapphire credit card for over a year now and I am thoroughly impressed with the benefits and rewards it offers. The sign-up bonus was a great incentive for me to apply for the card and the points I earn for my everyday purchases, especially on travel and dining, have added up quickly. The redemption process for my points was very straightforward and I was able to ...Show More
Lisa C.
Dec 2, 2022
May or may not recommend
Nearly a Must-Have for Travelers. You get bonus points for spending on travel, dining and some everyday purchases. Points are worth more when used to book through Chase.
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
I actually dropped from the Chase Sapphire Reserve to the Chase Sapphire Preferred, and I am really satisfied with my card. There is still an annual fee, but the benefits exceed this disadvantage. I get free delivery with DoorDash when I use my credit card, which is great because I'm always using the app. The card also lets you to accumulate points, which you can then exchange for cash at ...Show More
JA
Junaid A.
Nov 17, 2022
May or may not recommend
I actually dropped from the Chase Sapphire Reserve to the Chase Sapphire Preferred, and I am really satisfied with my card. There is still an annual fee, but the benefits exceed this disadvantage. I get free delivery with DoorDash when I use my credit card, which is great because I'm always using the app. The card also lets you to accumulate points, which you can then exchange for cash at ...Show More
DN
Douglas N.
Nov 4, 2022
May or may not recommend
Super awesome recommended highly definitely get it that's the way to go
MJ
Molly J.
Oct 19, 2022
May or may not recommend
I don't personally have this card, but I've heard only good things about it. I've had multiple people tell me to get this card because it's great to use to build points for air travel. They've all done extensive traveling so I have no reason to doubt them.
EC
Emma C.
Oct 18, 2022
May or may not recommend
I use this card for nearly all my purchases. Love the perks (travel insurance) and rewards (cash back). I also really like the card itself as it has a premium feel to it compared to other cards. Only downside to that is it can be a little hard to read the number off the card but I practically have it memorized now!
RG
Rachiel G.
Oct 16, 2022
May or may not recommend
I took this offer and I am very satisfied with the upgrade. Been using this for over a year now and no doubts specially when I'm using it during my travel. Definitely recommend it!
TM
Tony M.
Oct 12, 2022
May or may not recommend
I signed up for this because of the free year and I extended it for a year because it ended when the pandemic started so I used it for the doordash dash pass and then downgraded after that. This was my favorite credit card it had plenty of perks that I was always excited to use. They don't necassarily specialize in any category but have a wide variety of perks ...Show More
AM
Angela M.
Jul 20, 2022
May or may not recommend
When using your points for travel If you need to cancel for sickness they may charge you a rebooking fee even though I called before to confirm this wouldn’t happen. As you have to book travel through Chase Rewards. So when I had to change my return flight I was again given different stories and disconnected many times. I’m still on hold at 10.42 pm and have been dealing with ...Show More
SS
Sophonie S.
Apr 22, 2022
May or may not recommend
I actually downgraded from the Chase Sapphire Reserve card to the Preferred and I am truly happy with my card. There still is an annual fee but the rewards outweigh this con. I get free delivery with DoorDash with my credit card and that's a plus because I'm always using the app. The card also allows you to rack up points in which you can convert to cash to utilize ...Show More
JE
Jerome E.
Dec 21, 2021
May or may not recommend
Great rewards credit card if you chose to actively use Chase's Ultimate Rewards points. Good sign-up bonus rewards points offset the decent $95 annual fee. The travel, Lyft, and dinning rewards points multipliers are very good. A perk exclusive to the Preferred card is a generous 10% annual point bonus equal to 10% of your total purchases the previous year. Also each year, the Preferred card will give you ...Show More
Andrew H.
Aug 11, 2021
May or may not recommend
I was offered this card as an upgrade. I am so glad I took the offer! Chase is a reputable bank with global reach, the balance transfer is great for consolidating loans, and the rewards points are great as well.
WS
William S.
Jun 11, 2021
May or may not recommend
haven,t had an event with this bank yet . but im looking forward to a nice long vencure with ba propuruse relationship for both of us.
RR
Robinjean R.
Apr 21, 2021
May or may not recommend
Sounds like best option out of all I've seen so far
EO
Evan O.
Feb 27, 2021
May or may not recommend
I've used the Chase Sapphire Preferred credit card as my go to card for over ten years. This card offers outstanding cashback value at 2%. This is as good as you will find for any cashback card out there today. I've been able to earn thousands in cashback rewards by paying my bills on time. Additionally, the Chase customer service is honestly the best I've received from any bank. ...Show More
TS
T S.
Jan 24, 2021
May or may not recommend
I have some mixed thoughts about using Chase Sapphire Preferred Personal Credit Cards. On one hand, I like the hidden credit card perks that are available - saving me money when I. use them in conjunction with apps like Sift. However, the extremely high APR is a recipe for disaster for unhinged spenders and I would caution many people to seek alternatives unless their finances are solid.
Showing 20 of 54 reviews
