What is the Chase Sapphire card made out of?
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WalletHub
Chase Sapphire Preferred is made of titanium, so it's a bit heavier than your standard credit card. That's why it made WalletHub's Coolest Credit Cards list.
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
Earn 80,000 bonus points
after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.
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Sponsored Card
Rewards3,436Reviews155Q&AContact
RewardsAPREditor ReviewQ&ACustomer Reviews
Earn 80,000 bonus points
after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$95
Rewards
Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.
Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
APR on Purchases
16.24% - 23.24% (V)
Balance Transfer
APR: 16.24% - 23.24% (V)
Balance Transfer Fee
Editor's Take
by John Kiernan
April 26th, 2022
Chase Sapphire Preferred Pros & Cons
80,000 points - initial bonus
Up to 6.25% back when redeeming for travel
No foreign transaction fees
$95 Annual fee
1 point per $1 base earn rate
Chase Sapphire Preferred's Additional Info
| cash advance fee | Either $10 or 5% of the amount of each transaction, whichever is greater. |
| cash advance APR | 25.24% (V) |
| foreign transaction fee | $0 |
| smart chip | Yes, chip-and-signature |
| max late fee | See Terms |
| max overlimit fee | See Terms |
| max penalty APR | 29.99% (V) |
| grace period | See Terms |
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Chase Sapphire Preferred FAQ
Don't see what you're looking for? Submit your question about Chase Sapphire Preferred® Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
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Do you earn points on charges made by other authorized users?
4
UpvotesReply
Robert Sambrick
Of course! You will earn points on all purchases made by authorized users of your Chase Sapphire Preferred Credit Card account.
What are the Chase Sapphire Preferred requirements for approval?
3
UpvotesReply
Chip Lupo
The main Chase Sapphire Preferred requirements are that an applicant must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification number. Applicants must also have a physical U.S. address, enough income to make monthly minimum payments, and at least good credit.
Chase... show more
How do I check my Chase Sapphire Preferred balance?
3
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Cameron DiGiovanni
To check your Chase Sapphire Preferred balance, log in to your Chase account online or call credit card customer service at 1-800-432-3117. It's also possible to check your Chase Sapphire Preferred balance through the Chase app or by texting bal to 24273.
How to Check Your Chase Sapphire... show more
How much is the Chase Sapphire Preferred balance transfer fee?
3
UpvotesReply
Evelyn Boros
The Chase Sapphire Preferred card's balance transfer fee is either $5 or 5% of the amount of each transfer, whichever is greater. You'll be charged this fee each time you do a balance transfer.
Besides this fee, balances transferred to the Chase Sapphire Preferred also have an APR of ... show more
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What credit bureau does Chase Sapphire Preferred use for approval?
3
UpvotesReply
Ernest Bowyer
The Chase Sapphire Preferred card mainly uses Experian for approval. That doesn't mean it won't use the other major credit bureaus: TransUnion and Equifax, it depends on the state you live in.
As for reporting, Chase reports to all three credit bureaus, regardless of which of their credit card you own.
How much is the Chase Sapphire Preferred minimum payment?
3
UpvotesReply
Patrick Murphy
The Chase Sapphire Preferred minimum payment is $35 or 1% of your new balance including any late fees and interest charges, whichever is higher. If the balance is less than $35, that amount is the minimum payment.
The minimum payment is the lowest amount you agreed to pay when... show more
For how long can I use the travel insurance benefit from my Chase Sapphire Preferred?
3
UpvotesReply
Hallie Alton
You can use the travel insurance benefit from your Chase Sapphire Preferred for as long as you are a cardholder and your account is in good standing.
As per other limitations, the benefit applies to any pre-paid tour, trip or vacation charged to your Chase Sapphire Preferred card at... show more
What are the Chase Sapphire Preferred sign up bonus eligibility terms?
3
UpvotesReply
thom Fotenberg
There are just two rules when it comes to Chase Sapphire Preferred signup bonus eligibility.
Chase won't approve you for the Sapphire Reserve even if you've had the Sapphire Preferred open for more than 24 months.
Chase won't approve you if you've closed one of the cards in the past... show more
Can Chase Sapphire Preferred get me into United Club?
3
UpvotesReply
Titus Freitas
Chase Sapphire Preferred doesn't get you into United Club. This card doesn't offer airport lounge access.
You can, however, transfer your Sapphire Preferred points at a 1:1 ratio to the United MileagePlus program and purchase a United Club membership.
Compare The Chase Sapphire Preferred
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR16.24% - 23.24% (V)
Regular APRSee Pay Over Time APR
Regular APRSee Pay Over Time APR
Rewards Rate1 - 5 points / $1
Rewards Rate1 - 4 points / $1
Rewards Rate1 - 5 points / $1
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Chase Sapphire Preferred Video Review
Chase Sapphire Preferred Reviews
Share your insights and review the Chase Sapphire Preferred® Card
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4 Star Rating
The rewards on this card are fantastic. The points really add up quickly. This is my go to card. The interest rates are a little high but I keep the balance low and rack up the points. If you keep a low balance and can really take advantage of the rewards from this card, I highly recommend it.
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4 Star Rating
The Chase Sapphire Preferred Card is my favorite card. I got 20,000 bonus points, which became $200 credit. This is the best card for traveling, especially for those who travel more than occasionally and tend to spend copious amounts of money. Every time you use points to book travel through Chase, 20% of those points are automatically refunded. This is definitely the best card I have ever had the privilege to experience using. I highly recommend this particular card to anyone that would like to earn back savings on their family’s trips or personal business trips as well. This is the card for you.
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5 Star Rating
The Chase Saphire Preferred Credit Card is a beautiful credit card that is made out of a combination of metal and plastic. I've had this card for a while and find it to be an excellent card with great benefits. The bonus of 40,000 points redeemable for a statement credit of up to $500 is a huge win, but I would rather transfer these points to united airlines where I could make these points worth more than $1000. The annual fee of $95 is nothing compared to the benefits you receive (covers 5 years of annual fees), and if you really don't want to pay it you can just downgrade your account to the regular sapphire card and pay no fees.
This card has benefits similar to that of most American Express cards who has very high customer satisfaction. Unfortunately, I have not been able to use any of these benefits so I don't know how well that they handle the situations but I'm sure they do just fine.
This card has benefits similar to that of most American Express cards who has very high customer satisfaction. Unfortunately, I have not been able to use any of these benefits so I don't know how well that they handle the situations but I'm sure they do just fine.
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Thank you for this review, I found it very helpful. The idea of down-grading the card if you do not like the annual fee is excellent. It makes me feel like I could try this card for a year or two and, if I felt I was not getting my money's worth out of the "Preferred" status, I could easily change my account without suffering any serious negative consequences.
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2 Star Rating
The fees that are charged and the interest make this card less than stellar. However I would recommend this card because the customer service is good and the reward incentives are various. All in all I would give this car 3 stars only because of fees.
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5 Star Rating
I've had one of these for a while and like it a lot. It's really geared for travel, though I use the points mostly for rental cars since I love to drive and hate the airlines. Even the cash advance rate is lower than the basic interest rate for many cards these days. It takes pretty good credit to qualify though, but they give really big lines of credit. Every time I call them, the people are really super nice and professional. The 15.24% is really great if you have the credit score to get one of these, highly recommend it. Just remember to put $3,000 through it the first 90 days, I almost forgot to in order to get the big point bonus.
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5 Star Rating
This is an excellent card with numerous rewards for dining and travel experiences. Cardholders receive double rewards points every time they use their card at any dining facility, regardless of whether it's fast food or fine dining. Members also get double points for all travel expenses, allowing you to accrue a substantial amount of points when you use the card on trips. These two benefits, combined with the 7% annual points dividend offer easily offsets the annual fee associated with holding the card. This is my go to credit card for every day expenses (especially dining and travel) and I recommend it to anyone looking for a new option for their wallet.
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5 Star Rating
My favorite credit card to use is the Chase Sapphire Preferred Card. It has many perks and benefits, which is why it's my go to credit card. The rewards on this card are great. After spending $3,000 after opening my account I earned 40,000 bonus points immediately. I do a lot of traveling and this card gives me 2x points on travel and restaurants. Not just that, but I get 20% off on airfare, hotels, and car rentals. I spend several weeks out of the year in different countries, and this credit is great to use outside the U.S. because there is no foreign transaction fee. The annual fee is rather high, at $95, but the earned rewards more than cover it. I'd recommend this card to anyone.
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5 Star Rating
The Chase Sapphire Preferred Card has many perks that certain types of people will find very valuable. I myself was looking for a card with no international usage fees as I make frequent business trips to Europe and Asia. This card perfectly fit the bill. No more international fees, and the concierge service comes in handy as well. The reward points cover the annual fee in my case, so it’s essentially a free account. You can cash in the reward points to help pay the balance, or as a cash deposit into your bank account. I would definitely recommend this card to others.
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5 Star Rating
I love my Chase Sapphire Preferred Card. The introductory 40,000 points is a great deal, especially when coupled with the 20% rate reduction on things like plane tickets and car rentals when you redeem the points via their ultimate rewards offers. Their APR is fair, and their annual rate is relatively low for a card of this time. I like accruing double points on travel and dining. Also, an unimportant note, but the card itself is metal and has a solid feel to it that makes it seem impressive. I'm looking forward to using this as my primary credit card from now on.
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5 Star Rating
The Chase Sapphire Card is a nice card to have in your wallet for your every day purchases. Where this card shines is the 2% you get back on travel, dining and restaurants and the 1% you get back on every other purchase. On top of that you will receive a 7% bonus on all points you earn at the end of the year, even points you redeemed already. There are also a significant introductory bonus of $400 in rewards when you meet spending requirements. if you don't mind getting your bonus points at the end of the year you might want to consider this card.
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Expert Thoughts on Chase Sapphire Preferred
To help people learn more about Chase Sapphire Preferred Card, WalletHub's editors posed the following questions to a panel of experts. You can meet our panelists and read their responses below.
- Do you expect initial rewards bonuses on travel rewards credit cards to get better or worse in the wake of the COVID-19 pandemic?
- How much do people need to travel for a travel rewards credit card that charges an annual fee to be worthwhile?
- What should consumers watch out for when booking airfare, hotel reservations and other travel accommodations through a credit card company’s rewards portal?
Harold S. Lee
Ph.D., CHIA, Clinical Assistant Professor, Hospitality and Tourism Management, University of North Texas, College of Merchandising Hospitality and Tourism
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Ph.D., CHIA, Clinical Assistant Professor, Hospitality and Tourism Management, University of North Texas, College of Merchandising Hospitality and Tourism
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Murat Kizildag
Ph.D., MBA, Associate Professor of Finance & Vice Chair of College Assessment, Rosen College of Hospitality Management, University of Central Florida
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Ph.D., MBA, Associate Professor of Finance & Vice Chair of College Assessment, Rosen College of Hospitality Management, University of Central Florida
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Jeremy C. Clement
MBA, PMP, Senior Instructor, Internship Coordinator, Department of Hospitality and Tourism Management, Director, Schottland Scholars Program, College of Charleston
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MBA, PMP, Senior Instructor, Internship Coordinator, Department of Hospitality and Tourism Management, Director, Schottland Scholars Program, College of Charleston
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Seung suk Lee
Assistant Professor, Arkansas Tech University
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Assistant Professor, Arkansas Tech University
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Mary Jo Ross
Ph.D., CSEP, CPCE, Associate Professor, College of Business, Slippery Rock University
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Ph.D., CSEP, CPCE, Associate Professor, College of Business, Slippery Rock University
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Drew Martin
Professor in the School of Hotel, Restaurant and Tourism Management, College of Hospitality, Retail and Sport Management, University of South Carolina
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Professor in the School of Hotel, Restaurant and Tourism Management, College of Hospitality, Retail and Sport Management, University of South Carolina
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Offer last updated: Apr 26th, 2022 at 08:04 ET