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You can earn incentive rewards faster than ever before with the Chase Sapphire SM Preferred Card. Every $1 earns a single point which you can then use towards travel arrangements, frequent flyer miles, and account credit. You can even shop on the affiliated Ultimate Rewards Mall, which offers you exclusive products and services.

Chase Sapphire Preferred Card
Intro APR  APR Annual Fee 
N/A* 15.24% (V)* $95*
Unfortunately, we do not currently offer online application for this card. See similar cards

Basic Information

Issuer: Chase
Card Network: MasterCard®
Card Category: Consumer (Premium)
Card Type: - Instant Decision Card
- No Foreign Transaction Fee Credit Card
- Reward Card
Credit Needed: Excellent*

Card Review

Prepared by . Opinions expressed therein are solely those of the reviewer.

Earning and redeeming incentive rewards is easier than ever before if you have the Chase Sapphire SM Preferred Card. Every dollar earns a single point, unless it is towards airfare, in which case it is worth 2 points.

A handful of initial purchases could also earn you another 50,000 mile bonus, which you can then use towards not only flight vouchers, but as credit with other travel programs.

While using your points for travel is good, you might appreciate more options. You could use your card in the Ultimate Rewards mall, an affiliate site where you can get exclusive products. You can also use your credit to pay down your account balance, which can save you money in a way similar to cash rebates.
Card rating:
(4.5 out of 5) total 33 votes
Most attractive features: - 40,000 Bonus Points
- Annual fee waived first year
- No foreign transaction fees
Least attractive features: - Annual fee after 1st year

Rewards & Benefits

Reward Types: - Airline Reward Cards
- Other Rewards Cards
- Travel Reward Cards
- Universal Reward Cards
Reward Unit: Point
Rewards: - Earn 40,000 bonus points after you spend $3,000 in the first 3 months - that's $500 toward travel rewards!
- 2 points per dollar spent on travel and dining at restaurants
- 1 point per dollar spent on all other purchases
- Get 20% off airfare, hotels, car rentals and cruises when you redeem through Ultimate Rewards
Expiration: None*
Yearly Limit: None*
Other Benefits: See website for additional benefits
Online Card Account Access:

Card Finance & Rates

Introductory APR (%): N/A*
Introductory Period: N/A*
Regular APR (%): 15.24%*
APR Type: variable
Annual Fee: $95*
Grace Period: 21 days*
Minimum Finance Charge: $1.50*
Late Payment Fee: $35.00*

Balance Transfers

Balance Transfer:
Transfer Fee (%): 3.00% of each balance transfer
Minimum BT Fee: $5.00

Cash Advances

APR on Cash Advances (%): 19.24%
Cash Advance Fee (%): 5.00%
Minimum Fee: $10.00


Late Payment Fee: Up to $15 if the balance is less than $100; up to $25 if the balance is $100 to less than $250; up to $35 if the balance is $250 or more.


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* The information provided for Chase Sapphire Preferred℠ Card is believed to be accurate at the time of evaluation (Jan 5, 2013). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

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