Review of The Chase Sapphire® Card

Brendan Harkness

Brendan Harkness | Reviews

Sep 12, 2014 | Updated Apr 27, 2016

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UPDATE 1/6/2015: The Chase Sapphire Card is no longer offered. Take a look at the Chase Sapphire Preferred instead.

The Chase Sapphire® Card is a solid rewards card, offering double points when dining at restaurants and booking travel through Chase. There is no annual fee, and the card comes with an opportunity to earn a lot of bonus points.

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Quick Card Facts

The Rewards

2 points are awarded for every dollar spent at restaurants, as well as for airfare and hotel rooms when booked through Chase Ultimate Rewards. 1 point is awarded for all other purchases.

Chase Ultimate Rewards is a members-only marketplace that features special deals and discounts for selected merchandise, as well as opportunities to use your points to pay for purchases.

If $500 is spent on purchases in the first 3 months, you’ll earn 10,000 bonus points.

An additional 2,500 points can be earned if you add an authorized user to the account and also make your first purchase in those first 3 months. 10,000 points is the equivalent of a $100 statement credit.

The Benefits

This card comes with a number of benefits to make traveling and shopping safer and more enjoyable.

An interesting feature that most cards don’t have is the Chase Blueprint, a free suite of tools that help you manage your account and finances.

You’ll be able to use pre-set design plans to set up payment schedules that will help you avoid interest, pay off your balances more quickly, and track all your progress as you go, every month.

A convenient year-end summary will collect and organize all of your transactions, letting you easily see where your money went and simplifying the tax return process.

Cardholders will have access to exclusive events through the Sapphire Events program, which provides invitations to gourmet food festivals and other interesting experiences, as well as special bonus point opportunities.

When traveling, you’ll have access to the Chase Global Lifeline, an emergency service that will provide help when you need it, including an emergency card replacement or emergency cash access.

Medical and legal referrals are available as well.

Travel Accident Insurance is provided against accidental death and dismemberment, up to $500,000, and an auto rental collision damage waiver will cover your rented vehicles against theft and damage, as long as the car rental company’s own insurance is declined.

You’ll also be covered if your trip or luggage is disrupted.

Trip Cancellation/Trip Interruption Insurance will reimburse you up to $5,000 for non-refundable travel expenses per trip if you are interrupted for an eligible reason.

Eligible reasons include sickness and severe weather.

If your trip is delayed for more than 12 hours before it begins, or if it requires an extra overnight stay, Trip Delay Reimbursement will cover you for unreimbursed expenses, up to $500 per ticket.

If you or your family’s baggage is lost or damaged, whether checked or carry-on, you’ll be covered for up to $3,000 per passenger.

If your luggage is delayed and you need to buy some essential items like toiletries or clothes, you’ll be reimbursed up to $100 per day for 5 days.

Chase Sapphire
There are 4 shopping benefits to take advantage of: Purchase, Price, and Return Protection, as well as an Extended Warranty.

Purchase protection will protect items you buy against damage and theft, up to $500 per item and for 120 days after the date of purchase.

Price protection will help guarantee you get the best possible price for what you buy: if an item you bought is advertised for a lesser price within 90 days after you bought it, you can be reimbursed for the difference, up to $500 per item.

Return protection will allow you to return an item even if the retailer won’t take it back.

This only applies to items that are in good working condition, up to $500 per item and up to 90 days after the date of purchase.

The extended warranty service will increase the manufacturer’s warranty on an item by 1 extra year.

This only applies to eligible warranties of no more than 3 years.

The Costs

There is no annual fee for this card.

Purchases and balance transactions come with an APR of 15.99% (Variable). Cash advances and overdraft advances have an APR of 19.24% (Variable).

Balance transfers will also cost $5 or 3% of the transfer, whichever is greater, and cash advances will cost $10 or 5% of the advance. Foreign transactions cost 3% of the transaction.

If a late or returned payment is made, a default penalty APR of up to 29.99% could be applied which might last indefinitely. Late and returned payments will also cost up to $35 each.

The Bottom Line

If you love to go out to eat, this card will surely earn you quite a few points over the course of a year.

If you don’t go to restaurants fairly often, this card probably won’t be for you.

The APR is about mid-range for credit cards: not too low, but not too high either.

If you’d be interested in an upgraded version of this card, check out the Chase Sapphire Preferred® Card instead.

It comes with a $95 fee after the first year, but you’ll earn 2 points for travel purchases, as well enjoy extra travel discounts, better benefits, and the lack of a foreign transaction fee.

This review was not endorsed or approved by Chase or its affiliates.

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