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Chase Sapphire Preferred® Card

 

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Your Rating:

4.0/5.0 from 131 Offer Ratings
Over the Past 60 Days!

(131) Over the Past 60 Days!

  • Regular Purchase APR 16.24%-23.24% Variable
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fees $0 for the First Year, then $95
  • Credit Needed

    Excellent

  • Card Brand Visa

Card Details

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

Card Fees

Late Payment Fees See Terms

Foreign Transaction Fee $0

Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.

Cash Advance Fee Either $10 or 5% of the amount of each transaction, whichever is greater.

Returned Payment Fee See Terms

Penalty APR None

Minimum Interest Charge See Terms

Ongoing Information

Rewards Cap No Cap

Rewards Rate 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide

Annual Fee $0 for the First Year, then $95

Grace Period See Issuer Site*

Additional Card Details

$0 Fraud Liability Yes

Auto Rental Insurance Yes

Extended Warranty Program Yes

Roadside Assistance Yes

Purchase Protection Yes

Travel Assistance Yes

Flight Accident Insurance Yes

Lost Luggage Reimbursement Yes

Concierge Service Yes

Expert Reviews

Editorial Disclaimer: This content is not provided by the bank advertiser. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer's Affiliate Program.

From the CompareCards.com Editorial Team

Chase Sapphire Preferred cardholders earn 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide. You can also earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 in travel when you redeem through Chase Ultimate Rewards®. Cadrholders can even earn an additional 5,000 points when you add an authorized user and they make a purchase within the first 3 months. 

Rewards can be used on virtually any airline and points don't expire. 

Meanwhile, there are no foreign transaction fees and you receive dedicated customer service, which means that when you have a question you’ll always get to speak with a real expert in person, not a voice recorded service. The annual fee is $0 for the first year, then $95.

Expert Reviews of the Chase Sapphire Preferred® Card

  • 3.5

    Regular APR

  • 2.5

    Intro APR

  • 4.0

    Fees

  • 4.5

    Benefits

  • star rating 4.0/5

    Overall Rating

The Bottom Line

The Chase Sapphire Preferred credit card offers those who have excellent credit a generous rewards program, plus a high level of customer service with additional perks and privileges.

The Good

Reward accumulation is practically endless with this card. You can earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Additionally, you can earn an extra 5,000 points for adding an authorized user on the card in the first 3 months of card membership. This card also comes with bonus points on certain categories of spending and 1 point on all other purchases.

The Not so Good

The annual fee is $0 for the first year, then $95. Also, you need excellent credit to qualify for this card.

Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by Chase.

Consumer Reviews

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Offer Rating

4.0/5.0

131 Total Ratings

5 Star
 
 
(7)
4 Star
 
 
(113)
3 Star
 
 
(9)
2 Star
 
 
(2)
1 Star
 
 
(0)

Your Rating

There is nothing we value more than the opinions of our customers. We encourage open discussions among all users and hope we can all share advice. Please keep our site clean and safe by following our posting guidelines and please, don’t disclose personal information like your credit card numbers or account information.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

+122 users submitted a rating without a full review

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3 Found this review helpful

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By: | Oct 14, 2016

This card is great for rewards. Chase transfers to many travel partners and you can also book travel directly through chase and get a 20% bonus on your points. The customer service is always top notch and quick to fix any issues. I also love the way teh card looks it is made of some kind of metal and doesn't bend or break easily.

9 Found this review helpful

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By: | Apr 28, 2016

This card is great for rewards...you can do cash back, credit on your account, gift cards travel benefits rental cars hotels and more!! The fee is a bit much however the rental car benefits are great as it completely covers your car in case of an accident.. The customer service is great and you never have a long wait when you call. Would definitely recommend. The steel outside of the card is kind of cool as it is very sturdy and wont fall apart in your wallet. All in all a great card!!

11 Found this review helpful

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By: | Feb 14, 2016

Big fan of this card. The 1:1 transfer rate to airlines miles is very nice. It saves me from getting a card with that airline. Most major airlines are applicable. I also like that points roll over so I can bank them. They will wave the annual fee if you are military. Only issue with that is that they make you prove it every year.

1 Reply

By: Celtic Dority | Jun 3, 2016

Can the miles be used on Spirit airlines?

9 Found this review helpful

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By: | Nov 21, 2015

This is my most favorite card! My "go to" card! Love it! 2 points on every dining from restaurants to fast food plus all the travel perks that one can only hope for! I was re-imbursed for a lost ipad from one trip. Within an instant I was notified of fraudulent activity on acc't. Replaced within a week. Pleasant and efficient customer service! Can't say enough about it! Not to mention the oo's and ahh's I get when I present this card for purchases!

10 Found this review helpful

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By: | Oct 10, 2014

I love this credit card!

18 Found this review helpful

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By: | Oct 7, 2014

This is an excellent card. You actually get awarded for using it. You earn 1 point for each $1 of Net Purchases. You can also earn an additional 1 point for each $1 when you use this card at a restaurant. It also offers us Zero liability. We have owned this card for approximately 6 months already.

5 Found this review helpful

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By: | Oct 7, 2014

heard this is a great card

10 Found this review helpful

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By: | Sep 22, 2014

Excellent card, I spent $3000 in a month and I received my bonus point in a week

18 Found this review helpful

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By: | Sep 22, 2014

$500 for nothing after signing up and spending ~3000$/ in 3 months. Awesome. And no foreign transaction fees.

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