Chase Sapphire® Card
Chase Sapphire® Card
Chase Sapphire® Card
Card details
10,000 bonus points when you spend $500 on purchases in the first 3 months from account opening - that's $100 in travel rewards when you redeem through Chase Ultimate Rewards℠!
2,500 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
2X points on dining at restaurants and 1 point per dollar spent on all other purchases
Points never expire, and there are no limits on how many points you can earn
Redeem points for travel, gift cards, merchandise, cash back and more
24/7 direct access to dedicated customer service specialists
No Annual Fee!
Rates, fees & offers
Annual fee
$0
Rewards rate
1.00%
Bonus offer
10,000 bonus points when you spend $500 on purchases in the first 3 months from account opening - that's $100 in travel rewards when you redeem through Chase Ultimate Rewards℠!
Intro APR
N/A
Ongoing APR
APR: 15.99% (Variable)
Penalty APR: Up to 30.74%, Variable
Cash Advance APR: 19.99%, Variable
Balance transfer fee
3%
Foreign transaction fee
3%
Recommended credit score
Compare to other cards
 Chase Sapphire® Card | ||
|---|---|---|
| Learn more | Learn more | |
Annual fee$0 | Annual fee$99 | Annual fee$199 |
Regular APR15.99% (Variable) | Regular APRSee Terms | |
Intro APRN/A | Intro APR0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 21.24%-29.99%. | Intro APRN/A |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
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Rating details
4.5
Editor's overall rating
Pros and cons
Pros
No annual fee
Cons
Verdict – The Chase Sapphire Card gives you flexibility with Chase’s Ultimate Rewards program and the Ultimate Rewards Mall, but doesn’t stand out of the pack for benefits.
The Chase Sapphire Card offers 2% back on dining and 1% everywhere else. There are no expiration dates and no limits on how many points you can earn. Plus, there are travel benefits like expense coverage if your trip is delayed more than 12 hours, or full reimbursement if your trip gets cancelled.
There are a lot of other cards out there that give you more bang for your buck, like the Chase Freedom which will give you cash back and up to 5% back on select categories every quarter. The Chase Sapphire® Preferred gives you a 25% points boost if you redeem for travel, has no foreign transaction fees, and allows you to transfer points at a 1:1 value with travel programs, but it also has a $95 annual fee (waived the first year). Even the Capital One® Cash rewards card gives you 1.5% back on all purchases with no annual fee.
