4.5
20 reviews
Other Credit Cards:
  • Average: 3.6
  • High: 5.0
Chase - Sapphire Card

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Chase - Sapphire Card
 
4.5

(based on 20 reviews)

Ratings Distribution

  • 5 Stars

     

    (13)

  • 4 Stars

     

    (6)

  • 3 Stars

     

    (0)

  • 2 Stars

     

    (0)

  • 1 Stars

     

    (1)

95%

of respondents would recommend this to a friend.

Pros

No Pros

Cons

No Cons

Best Uses

No Best Uses
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Most Liked Positive Review

 

Best mid tier credit card !

This in addition to the preferred plus are the best personal use cards Chase has to offer at the moment. What appealed to me was the first year waiving of the annual fee and...Read complete review

This in addition to the preferred plus are the best personal use cards Chase has to offer at the moment. What appealed to me was the first year waiving of the annual fee and the sign up bonus. Its one of the best sign up bonuses on the market today and the no annual fee makes it a no brainer. You have 90 days to quality and in some instances you have to spend either 2000$ or 3000$ to receive a bonus of 400$.

The card itself is also a step up from the regular plastic cards. It is not weighted the same as a Centurion or Visa Black but is heftier than regular cards. People will notice and be impressed by its heavy duty metal like material.

This card doesn't have the perks of the high end cards but I have seen Chase do some occassional special things for select members. I'm not sure how they choose them but I have seen one set of card members win a chance to be on Bravo's Top Chef as guest judges claiming that these card members have a bit of prestige. Nice to see and wish I was chosen !

Customer Service
The customer service is about the same as any regular Chase card. I would have liked if there was a dedicated line that distinguished the service from this one and all the other more common cards. I did lose my card once ( or had it stolen ), not entirely sure. I had to request a new one. They did say they would have a replacement out within 2 days but failed to do so. In exchange they did offer me bonus points which valued approximately 25$ which is a step up from the conventional compensation offered with lesser Chase cards. I'm not sure why but I have seen this as a common issue when issuing new cards by Chase however I am overall very happy with the customer service.

Available Rates
Nothing special, the annual fee waived in the first year is great.

VS

Most Liked Negative Review

 

Hidden Hotel restrictions

After 7+ yr relationship with Sapphire, we must cease using the card. I booked a hotel thru their Rewards site. After the purchasing the room, our details page clearly states where and...Read complete review

After 7+ yr relationship with Sapphire, we must cease using the card. I booked a hotel thru their Rewards site. After the purchasing the room, our details page clearly states where and how to cancel or modify reservations. The rate dropped $100 per night on their site, and we tried modifying the reservation and are blocked. Apparently there is a hidden no cancellation policy, and the notification was enclosed in the policy pages. The Customer Service experience has been unacceptable, offering us 2500 points = $30. The difference is costing us over $500, which would not happen on any other travel site. BEWARE of the hidden agenda!

Reviewed by 20 customers

Displaying reviews 11-20

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5.0

Wonderful bonus

By 

from USA

See all my reviews

Comments about Chase - Sapphire Card:

I got this card because I was promised a substantial amount of points once I charged a certain amount of money. There is no fee for the card so that was an added bonus. I did, in fact receive almost $400 worth of pints as promised so it was spectacular. They also have a dividend award after 12 months although they start charging a fee for the card at that stage. It is a perfect card for someone like me who charges a lot but pays the bill in full each month. I was able to use my points to pay my self back so it is basically free money!

Customer Service
The customer service is phenomenal. My card was recently hacked and I received a voice mail and an email from Chase within 24 hours. Once I responded the Fraud Department spent 15 minutes with me on the phone verifying my information and ensuring that no erroneous charges were made. I will be getting a new card within 3-5 business days.

Available Rates
I will acknowledge that I do not note rates on credit cards because I never carry a balance so they are not relevant to me.

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4.0

Chase Sapphire Preferred Card is Great!

By 

from USA

See all my reviews

Comments about Chase - Sapphire Card:

When I walked into my local Chase branch, the last thing I wanted to hear was a request to sign up for another card. But I heard it anyway, and I am glad I did!

The Chase Sapphire Preferred card presents a number of great rewards. The biggest reason I accepted the offer was the no foreign transaction fees bullet point. That saved at least $100 when I went on my honeymoon in Europe (most cards charge at least 3 percent). Another bonus was the 40,000 points if you spend 3,000 in the first three months. Those points equated to $400, which easier took care of some of the expenses on my honeymoon. Two points per dollar spent dining and a bonus point for booking travel through the Ultimate Rewards website helped increase the cash back even more. And, in the first year, the $95 annual fee is waived.

Earlier this month, I found the $95 annual fee on my card. I thought about cancelling it, but then asked myself why. So many great rewards and bonuses, many that will add up to paying that fee. Throw in rental car coverage, airfare discounts, travel insurance, etc., and you have a card that can't be beat! Just last month, I made almost $30 cash back. This card rewards and rewards and rewards. Forget the fee being charged to your account; you will make it back and then some! (The only con is a high interest charges, so pay this thing off every month to avoid the interest.)

Thank you, Chase Sapphire Preferred card!

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(1 of 1 customers found this review helpful)

 
5.0

Chase Sapphire

By 

from USA

See all my reviews

Comments about Chase - Sapphire Card:

We've had this card for years and consider it to be our primary card for all purchases. It is the one card that we would never leave home without.

Customer Service
Very seldom have had to contact customer service but they are always there and expedite help when you need it. Had one issue with a fraudulent use of our card and that account was closed and a new card sent without any delay. We had only been inconvenienced a couple days as a result.

Available Rates
Rates are high but it doesn't make much difference when you pay the balance off each month.

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(1 of 1 customers found this review helpful)

 
4.0

Best mid tier credit card !

By 

from USA

See all my reviews

Comments about Chase - Sapphire Card:

This in addition to the preferred plus are the best personal use cards Chase has to offer at the moment. What appealed to me was the first year waiving of the annual fee and the sign up bonus. Its one of the best sign up bonuses on the market today and the no annual fee makes it a no brainer. You have 90 days to quality and in some instances you have to spend either 2000$ or 3000$ to receive a bonus of 400$.

The card itself is also a step up from the regular plastic cards. It is not weighted the same as a Centurion or Visa Black but is heftier than regular cards. People will notice and be impressed by its heavy duty metal like material.

This card doesn't have the perks of the high end cards but I have seen Chase do some occassional special things for select members. I'm not sure how they choose them but I have seen one set of card members win a chance to be on Bravo's Top Chef as guest judges claiming that these card members have a bit of prestige. Nice to see and wish I was chosen !

Customer Service
The customer service is about the same as any regular Chase card. I would have liked if there was a dedicated line that distinguished the service from this one and all the other more common cards. I did lose my card once ( or had it stolen ), not entirely sure. I had to request a new one. They did say they would have a replacement out within 2 days but failed to do so. In exchange they did offer me bonus points which valued approximately 25$ which is a step up from the conventional compensation offered with lesser Chase cards. I'm not sure why but I have seen this as a common issue when issuing new cards by Chase however I am overall very happy with the customer service.

Available Rates
Nothing special, the annual fee waived in the first year is great.

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4.0

Good for Frequent Travelers and Sign up Bonus

By 

from San Diego, CA

See all my reviews

Comments about Chase - Sapphire Card:

This is a good card for you for two reasons: 1. You just want the sign up bonus and are planning on making a big purchase in the next 3 months ($3000). When you sign up for this card, you get $400 worth in cash if you spend $3000 in the next 3 months. or 2. You are actually a frequent traveler and want the travel rewards on travel expenses and restaurants. This card has no foreign transaction fee and mine came with VISA. You get double points, an extra 1% on travel and restaurant expenses. Furthermore, like other cards it offers travel protection. However, it does come with a $79 annual fee after the first year. However, you may or may not be able to get this fee waived in the second year if you try to call the credit card and ask to cancel. Nevertheless, the rewards with the card are not significantly better than other rewards cards after the signup bonus unless you travel frequently enough. Also, it's better to redeem for miles, hotel points, etc. You'll get a much better dollar value than if you just took cash.

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5.0

Great all around card

By 

from New York, NY

See all my reviews

Comments about Chase - Sapphire Card:

Chase Sapphire is my top credit cards to go to (the other one is the Starwood Amex). Sapphire gives you two points per dollar at restauratns and grocery stores. Most cards just give you one. And it also double (or triple, can't remember now) on transportation. So when i use it for taxi or subways, I still get the bonus points. It also does not have foreign transaction fee which is great when I'm going overseas. It does not have the special PIN chip (I forgot what it is called), so that's the only minus compared to other cards that I can use in Europe. There is an annual fee, but these days almost every card that gets you points will charge a fee. It's about 95 bucks which is not too outrageous. The card is also a Visa and it's acceptable everywhere. Another great thing is the material that makes the card. I get the comment alot when I handed the card over. It's much heavier and it's sturdier and that makes the card (and probably me) special. It's a great ice breaker if you needed one.

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5.0

Customer Service is EXCEPTIONAL!

By 

from Holland, MI

See all my reviews

Comments about Chase - Sapphire Card:

I've had several credit cards over the past 20 years and I will never, never let go of my Chase Sapphire card! The best feature of this credit card: When you call the 1-800 customer service number on the back of the card A PERSON - WHO SPEAKS ENGLISH AND LIVES IN THE UNITED STATES - WILL ANSWER THE PHONE. Yes, it's true. Not a computer asking you to enter all of your numbers, not a barely audible voice from India, a real, live person in South Carolina will answer the phone and ask what they can do to help you. This, in my opinion, is incredibly rare and sooooo helpful when your husband's wallet has been stolen and you are desperately trying to call all of your credit card companies as quickly as possible.

Customer Service
A real, live person answers the phone and will do their best to assist you. What more could you ask for?

Available Rates
Rewards are great. I go online and get cash back every few months.

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5.0

Great rewards = a Great Card

By 

from USA

See all my reviews

Comments about Chase - Sapphire Card:

I enjoy using this card. Mine is made from some sort of metal which makes it more durable and I don't have to worry about the numbers rubbing off. The rewards are amazing and very versatile. Customer service is also fantastic if you ever have a problem or you need to redeem your points. This is one of our favorite cards in our house.

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5.0

Standard credit card with generous rewards

By 

from Loveland, OH

See all my reviews

Comments about Chase - Sapphire Card:

I really enjoy my chase credit card.  I use my credit card for all of my purchases and pay the amount off in full every month.  The credit card sapphire is taken everywhere and comes with a reasonable interest rate (<8%).  My favorite feature of the card are the rewards.  For every $2,500.00 spent you earn enough rewards to get a $25.00 gas card.  This may not seem like an easy reward to get, but since my family puts all of our bills, including the morgage, on the credit card, we earn the gas cards pretty frequently.  I like that I can get a little extra reward spending money I would have spent any way. 

The card is also kind of pretty.  It comes in this blue shade that is really nice.  The rewards are always mailed out promptly and I get them in the mail within a week of redeeming my rewards.  There are many gift cards to choose from besides gas cards like target gift cards or even cash.

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  • I received a sample
 
4.0

Great card, great rewards!

By 

from Fairfax, VA

See all my reviews

Comments about Chase - Sapphire Card:

I signed up for the Chase Sapphire card primarily because I was lured in by the promise of a one hundred dollar bonus after completing my first purchase.

I was impressed right away.  Not only did Chase mail me a check for $100 very promptly after my first purchase posted to my account, but the online interface is extremely user friendly.  

 

This card offers a 1% cash back rate (or 1 point for every dollar you spend, unlimited, and the points never expire).  The points seem to post much more quickly than other cards (for example, with American Express, I often have to wait a couple months before the points show up online).  I appreciate the flexibility of Chase points, too--they can be redeemed for straight cash, gift cards, travel rewards, and can also be converted to airline miles.  You can redeem them for experiences, too, but in my opinion, it's not worth it.  Stick to cash and gift cards.

 

 

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