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Chase Sapphire Preferred Credit Card

Chase Sapphire Preferred℠ Card

- 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 at restaurants & 1 point per dollar spent on all other purchases.
- Get 20% off airfare, hotels, car rentals and cruises when you book through Ultimate RewardsSM
- No foreign transaction fees
- Receive a 7% annual dividend on all new points earned – even on points already redeemed
- 1:1 point transfer to participating frequent travel programs
- Direct access to expert service advisors anytime
- No Annual Fee for your first year – A $95 value

(4.5 out of 5.0)

Information - Rates - Fees

Intro APR:

N/A*

Intro Period:

N/A*

APR:

15.24%*

APR Type:

variable

Annual Fee:

$95.00*

Issuer:

Chase

Card Network:

MasterCard®
VISA®

Card Category:

Consumer (Premium)

Card Type:

Instant Decision Card
Reward Card

Credit Needed:

Excellent*

Grace Period:

21 days*

Min Finance Charge:

$1.50

Late Payment Fee:

$35.00*

Balance Transfers

Balance Transfer:

Yes!

Transfer Fee (%):

3.00%

Minimum Fee:

$5.00

Cash Advances

APR on Cash Advances (%):

19.24%

Cash Advance Fee (%):

5.00%

Minimum Fee:

$10.00

Comments

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.

Review

It has, perhaps, never been easier to earn flight rewards than with the Chase Sapphire SM Preferred Card. Developed by Chase Bank for customers in the United States, this card can earn you one point for every dollar that you spend, no matter what that might be. You can get double points on airfare, but with a minimum collective purchase, you can also get a 50,000 mile bonus!

You can not only use these rewards on airfare, but you can associate them to an existing frequent traveler account to help you earn those benefits more quickly. If you prefer, though, you can also have these points converted to your account balance in US dollars, which reduces the total amount that you owe.

Features

Most attractive:

- 40,000 Bonus Points
- Annual fee waived first year
- No foreign transaction fees

Least attractive:

- 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:

- 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 at restaurants
- 1 point per dollar spent on all other purchases.
- 20% off airfare, hotels, car rentals and cruises when you book through Ultimate RewardsSM
- 7% annual dividend on all new points earned – even on points already redeemed
- No foreign transaction fees

Expiration:

None*

Yearly Limit:

None*

Other Benefits:

See website for additional benefits

Online Access: