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Chase Sapphire® Credit Card

Snapshot of Card Features:

  • Click "APPLY HERE" to apply online or call 877-650-0296
  • 10,000 bonus points after you spend $500 in the first 3 months - that's $100 toward travel rewards!
  • 2 points per dollar spent at restaurants ™ 1 point per dollar spent on all other purchases
  • Points never expire and there are no limits on how many points you can earn
Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
N/A15.24% Variable15.24% Variable$0Excellent - Good
 

Our Expert Review

Rates & Term Details

Complete Card Details
For the complete terms and conditions, view this card's Schumer Box

What is a Schumer Box?
A Schumer Box includes the following rate and term information for all credit cards:

  • Annual Percentage Rate (APR) for purchases (or interest rate)
  • Other APRs - interest rates for balance transfers, cash advances, default, etc.
  • Variable rate information (if applicable)
  • Grace Period
  • Finance calculation method
  • Finance Charges
  • Annual Fee (if applicable)
  • Other fees - transaction fees, balance transfers, cash advances, late payments, over-limit, etc.

Important
Always read the terms and fees disclosure provided by the credit card issuer on their site before applying. The issuing bank's terms may include more detailed or updated information than presented here.

Notes
*View Chase Sapphire® Credit Card card rates, fees, rewards and other important information.


Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are authors alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program. - December, 2012

Are you looking for a credit card with low rates and an enriched rewards program? Look no further than the Chase Sapphire Credit Card. The Chase product affords consumers all the convenience of a traditional credit card, plus a comprehensive rewards program that lets them earn thousands in bonus points.

Benefits

Cardholders can avoid interest charges by paying their bill in full before the grace period ends, allowing them to maximize their rewards and avoid additional fees.

Rewards

Individuals who spend $500 during the first three months of membership will automatically earn 10,000 bonus points. Cardholders will earn 2 points per dollar spent at restaurants and 1 point per dollar spent on all other purchases. Members can use their rewards points for travel, cash, merchandise and gift cards.

Balance Transfers

Balance transfers may carry a variable annual percentage rate of 15.24 percent. The card also imposes a 3 percent balance transfer fee and a transfer fee minimum of $5.

Rates

A 15.24 percent APR applies to all purchases made with the Sapphire credit card. Cash advances will carry a variable 19.24 percent rate. Consumers who exceed their available balance will be charged a $35 overlimit fee. No annual or sign-up fee applies.

Who Should Apply

Consumers who pay their balance in full each billing cycle will benefit from the rewards program and minimal fees.

Credit Standing

A good to excellent credit rating of 700 or above is required by the lender to secure the Chase Sapphire card.

Author

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are authors alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

About Credit.com's Credit Cards and Prepaid Cards:

You may be able to build, rebuild, or reestablish your credit history by making on time monthly payments to all creditors and by maintaining all your balances under the credit limits. From premium reward cards to accounts that help you rebuild your credit, we have the credit card for you! If your future goals include owning a home, buying a car, owning your own business, or traveling, having a credit card can be an excellent first step. With credit card services from leading issuers like American Express, Bank of America, Capital One, Chase, Citibank, Discover, First PREMIER® Bank, HSBC Bank, IBERIABANK, MasterCard, Simmons First and Visa, you can find the best credit card for you at Credit.com.

The key to success with credit cards is to know how to use them to your advantage and not to get caught up in the traps that lurk behind the benefits. Credit.com offers many kinds of credit card benefits, from airline and gas rewards to cashback cards, and the first step is filling out a credit card application online. You can also apply for specialty credit cards, such as student credit cards or business credit cards. Credit.com also offers credit cards for the United Kingdom and Canada.

In addition to credit cards, Credit.com offers three other card options that can provide excellent choices for people with less-than-perfect credit: Prepaid cards from Mastercard and Visa allow you to load money onto the card and then use it like any other major credit card. They require no credit approval and carry the same fraud protection as the regular cards. But fees can be high, so be sure to shop carefully for a prepaid card.

Secured cards require you to open a bank account and deposit funds in a bank account (security deposit) in case you can't pay the bills. You'll get a major credit card you can use anywhere those types of cards are accepted. Shop carefully for a secured card to avoid costly fees.

Debit Cards issued under the Visa card or Mastercard name can be widely used and carry fraud protection. But if your card number is stolen and used, you'd want to find out immediately. Otherwise, you could bounce checks. One strategy: Have two checking accounts and associate your debit card with the one with the small balance. Just transfer the purchase amount into the account before you buy something with the card.

  

*For complete information, see the terms and conditions on the credit card issuer's web site. Once you click to apply for this card, you will be directed to the issuer's website where you may review the terms and conditions of the card before applying. While Credit.com always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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The Pros and Cons of Prepaid Cards

Prepaid cards offer the convenience of a credit card without the difficult approval process or risk of getting into debt. These cards work a lot like a gift card, you will have to load the account with cash (direct deposit is usually available) before you can use it for a purchase

Prepaid cards are not credit cards; you cannot spend more than the balance you have deposited and you will not be charged interest for your spending. The prepaid account will not be reported to the credit bureaus as a credit card.

Pros:
Cons:

Fees and charges can vary significantly between different prepaid credit card offers. Be sure to read the fee schedule for the prepaid credit card before you apply.


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