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Chase Sapphire Preferred – Frequently Asked Questions

by on Thu December 1, 2016 • 464 Comments
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The Chase Sapphire Preferred® Card® is Chase’s flagship rewards credit card, earning ‘Ultimate Rewards’ points that can be transferred to several leading airline and hotel programs like United, Southwest, Hyatt, and Marriott.

As the Chase Sapphire Preferred® Card® credit card increases in popularity we are getting more questions on how it works. Below are some answers to frequently asked questions about the Chase Sapphire Preferred® Card®.

Earning points

What kind of points do I earn?

You earn ‘Ultimate Rewards‘ points. This is Chase’s own point program, and the points can be used for travel, gift cards, merchandise, and statement credit. You can also transfer them outside to your mileage and point accounts with several airline and hotel programs. These include United Airlines, Southwest Airlines, British Airways, Hyatt, Marriott, Priority Club, and Korean Airlines.

What count as dining and travel expenses for 2x points per dollar spent?

Dining spend includes fast food restaurants, casual dining restaurants, and fine dining. Basically any place out of the home that prepares and serves you food as long as the merchant classifies it as such. Travel spend includes airfare, hotel, vehicle rental, taxi, trains (even commuter), tolls, parking (even parking meters), time shares, buses, and travel agencies.

Does gas count as a travel purchase?

Unfortunately gas is not considered a travel category purchase, and does not earn 2x points.

Will I earn points for the spending needed to get the introductory bonus?

Yes. For example, if you need to spend $4,000 in 3 months for the 50,000 point introductory bonus offer you will receive both the 50,000 point bonus and at least 4,000 points for the spending you did to achieve the bonus.

Are there limits to the number of points you can earn?

No. Even in the bonus 2x point dining and travel categories, there is no limit to the number of points you can earn with the Chase Sapphire Preferred® Card.

I have another Chase card that earns miles like the United Airlines or regular Chase Sapphire cards. Can I still get the sign on bonus?

Yes. Just apply for the Chase Sapphire Preferred® Card® on its own. Even though the Sapphire Preferred® Card points can be turned into United miles, that won’t stop you from being eligible for the signup bnous. You can even apply for the Sapphire Preferred® Card and get the bonus if you already hold the regular, non-Preferred Chase Sapphire card.

The catch is you must be approved for the card based on your credit history and other factors. But once you are approved, having one of those other cards won’t prevent you from earning the Sapphire Preferred bonus.

How long does it take for points to post? When do they post?

Your points post with the closing date of your Chase Sapphire Preferred® Card® statement. Bonus points for shopping from the Chase Ultimate Rewards shopping portal may post earlier or later depending on the retailer.

Managing points

Do the points expire?

No, as long as you keep a Chase account open with an Ultimate Rewards feature (the Chase Sapphire / Sapphire Preferred® Card, Chase Freedom, Ink Plus Business Card from Chase) your points won’t expire. If you decide to cancel your Sapphire Preferred, be sure to combine your points with the card you plan on keeping before you cancel so all your points stay alive.

Can I ‘undo’ a transfer of points into miles?

No. Once you transfer points out of your Chase Sapphire Preferred® Card®‘s Ultimate Rewards points account into an external airline mile or hotel point program you can’t undo the transaction. So make sure you really want the points in a particular account before you initiate the transfer.

If I transfer the points to an outside program, and then cancel the card will I still keep the points?

Yes, once you transfer the points to an external airline mile or hotel point program they are independent of the card, and yours to use as you wish with or without holding the Chase Sapphire Preferred® Card. However any points you keep in your Ultimate Rewards account may be forfeited unless you keep another Chase card that uses Ultimate Rewards.

Can I transfer points to anyone?

No, with transfer partners you can only transfer points to yourself or the account of someone in your household who is an authorized user of your card account. You can also combine points within Ultimate Rewards with anyone who lives in your household who has an Ultimate Rewards account.

I already have a credit card with Ultimate Rewards like the Chase Freedom. What will happen to those points?

You can combine your existing Ultimate Rewards points with those from your Chase Sapphire Preferred® Card® online, anytime. Just login to UltimateRewards.com and choose ‘Manage Ultimate Rewards,’ then the ‘Combine Points’ option. You can also send or receive points from friends and family at no charge.

Using points

What airlines can I use for travel with points?

There are two ways to use your points for travel with the Chase Sapphire Preferred® Card®.

The first is to transfer them directly into the programs of participating airlines. These include United Airlines, Southwest Airlines, British Airways, Virgin Atlantic, Singapore Airlines, Air France, and Korean Airlines. Once there, you can redeem miles using the rules of each airline’s program. That also means you can use the miles on any partner with each airline (for example, Air Canada is a partner of United, so United miles can be used for Air Canada flights).

The second way to redeem for travel is to book online at UltimateRewards.com With this method, there are no restrictions or rules on valid award travel and you can book any major airline you would normally find on Expedia.com (basically any except Southwest and some of the international low cost carriers like RyanAir).

You simply search for flights at UltimateRewards.com in the same way you would at Orbitz, Expedia, or Travelocity. You will see the same prices you would if buying a ticket with cash. Then, you can pay for all or part of the cost with points. Each point you have is worth 1.25 cents toward travel. Put another way, every 10,000 points is worth $125 toward travel.

Will I earn miles for flights I book with points?

If you transfer your Chase Sapphire Preferred® Card® points to a separate airline mile program, you will not earn miles for the flight flown, as that is considered a ‘reward’ ticket by the airlines.

However if you book your flight directly from UltimateRewards.com and use points for all or part of it, you *will* earn miles according to the fare class of your ticket. That’s because when you book at UltimateRewards.com Chase is actually buying a regular ticket from the airline as if it were a travel agency. That means to the airline it looks like you bought your ticket with cash, and thus you will earn miles according to the rules of the airline’s frequent flyer program.

What is mile transfer, and how long does it take?

Mile transfer lets you select points in 1,000 point increments and transfer them into accounts you already have with participating airline mile and hotel point programs. That way you can build on existing balances, or take advantage of better redemption opportunities in each program. Mile transfer is instant and free with the Chase Sapphire Preferred® Card.

Can I use the points for cash back?

Yes, you can use them for statement credit on individual purchases made in the last 60 days. The minimum amount that can be redeemed is $20 or 2000 points. Credits may take up to 2-3 business days to process and post to your account. Credit will appear on your monthly Chase statement within 1-2 statement cycles. Credits cannot be cancelled or returned once you place your order. Reward credits are not applied towards your minimum payment due to your billing statement.

Can I use the points on Delta Air Lines?

You can’t transfer the points into Delta Air Lines SkyMiles accounts — they have an exclusive relationship with American Express. However, if you wish there are a few ways to use Sapphire Preferred® Card points for Delta flights. One is to transfer the points into Korean Airlines miles, which is a Delta partner, and lets you use the miles for Delta flights. Another is to transfer to Virgin Atlantic, which is also a Delta partner.

The final way is to use the points as cash toward the purchase of a Delta ticket. You can search for flights at UltimateRewards.com on any airline except Southwest and some low cost carriers. Each 100 points you have is worth $1.25 toward the cost of a ticket.

Other

What kind of credit will I need to get approved?

Factors always vary, but we suggest making sure you have Good to Excellent credit (generally a credit score above 700) to qualify for this card. If you apply and it says it will take several days for a decision, it’s possible you will be declined. Even if you have Excellent credit, it’s possible you could be declined if you’ve opened 5 or more bank cards in the last 2 years.

How long does it take to receive the card?

There are no set timetables for when you receive the card after you are approved, but generally expect 1 – 2 weeks for the card to arrive in the mail. You might be able to call and request that your card be expedited after you’re approved.

What is the annual fee and will I have to pay it?

There is a $95 annual fee — but it is waived the first year. If after a year you don’t want to pay the annual fee, you can ask Chase to change your account to a regular Chase Sapphire (non-Preferred) account. Only catch is once you do that you lose the 1:1 mile transfer feature to United Airlines, etc. You can still redeem for travel via Ultimate Rewards.

Is there a business version of the Chase Sapphire Preferred® Card®?

Sort of. The Ink Preferred from Chase has the same Ultimate Rewards travel benefits, including 1:1 mile transfer to the same programs. However the earning bonuses are different, and geared toward spending in business categories like office supplies.

United MileagePlus® Explorer Card

Miles dont expireas long as card is open
Learn more

Partner Offer

50,000 bonus miles

Intro Offer

$95

Annual Fee

Yes

Foreign Transaction Fee Waived

Earns United MileagePlus miles

Points Can Transfer to Airline Miles ?

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"These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered."

464 thoughts on Chase Sapphire Preferred – Frequently Asked Questions

  1. Dan

    for 50,000 bonus point. $4,000 on purchases in the first 3 months. Can I use card to pay my tuition?
    is tuition qualify ?

    Reply
  2. Dario

    Hi I have almost maxed out my card and been paying monthly before the due date, however every time I pay it seems like I am paying for the cash advance and interest charge only and can never lower the balance down, is there at any point it will stop charging me interest rate and cash advance so I can just keep paying the balance of the card??

    Reply
    1. MileCards.com

      @Dario – Unfortunately you need to increase your monthly payment to a higher amount. A balance transfer to another card with a lower rate might also help, making the interest charges lower, so you can get to paying the balance faster.

      Reply
  3. Sammy

    Hi, if I open the credit card 13th July, 3months counts 13th Oct is it correct? or Calculating 90days. also, If I open the account and want to get the point, do I need to sign up programs? or I just spend money and wait point. Dose chase give points automatically? Thank you!

    Reply
    1. MileCards.com

      @Sammy – Best to call the number on the back of your card for the end date of your intro period. It can vary some days beyond.

      No need to sign up for any programs to earn the points – Chase deposits them automatically in your ‘Ultimate Rewards’ account.

      Reply
  4. Traveler

    Is there a fee for additional authorized user on the Chase Sapphire Preferred Card? Can’t seem to find the answer to this. Thank you!

    Reply
  5. Leslie

    Can I transfer a balance from another credit card to my Chase Sapphire card to and receive the points?

    I am wanting to consolidate and understand there would possibly be a transfer fee. I have a loan check to pay off the other card in hand. Just want to know if it’s better to apply that check directly to the balance of the credit card (5k) or FIRST transfer the balance to Chase Sapphire and THEN use the loan check to pay Chase Sapphire.

    Reply
    1. MileCards.com

      @Leslie – Unfortunately those don’t earn points. Better idea is to open a different card that has a low rate deal.

      Reply
  6. Jacob Ramey

    In the statement about spending $4,000 on purchases in the first 3 months, what is considered “purchases”? Does that include any expense we put on there? Or only certain criteria that mean us buying an item?

    Reply
    1. MileCards.com

      @Jacob – Any purchase that would earn points. So that’s just about anything you can buy with the card…merchandise, travel, etc. Cash advances, balance transfers, and other ‘cash’ like transactions don’t earn points.

      Reply
  7. Jacob Ramey

    In the statement about spending $4,000 on purchases in the first 3 months, what is considered “purchases”? Does that include any expense we put on there? Or only certain criteria that mean us buying an item?

    Reply
  8. Sara

    If I book a hotel with the card and immediately turn around and pay off the balance will I still earn the reward points

    Reply
  9. Nick

    On the chase sapphire card. Is the option for cash advance available? Can I go to an ATM to withdraw money?

    Reply
  10. Doc

    I have excellent credit scores. I keep on getting denied for what ever card I apply for. The reason they tell me is that I have to many hard inquiries even though I pay my bills on time. I pay the full balance 95% of the time Chase and Barclays have the the same 5/24 like rule. I was preapproved for the Chase Sapphire Preferred. I applied and still waiting for a response. I was told by a Chase rep. That being preappoved means nothing. They told me I can still be denied for having to many inquiries. Is this true? Most of the cards I applied for are closed by me or because I did not use them enough. They said that also has nothing to do with my application.

    Reply
    1. MileCards.com

      @Doc – Sorry to hear about that. How many new accounts have you opened in the last two years? And how many inquiries have you made in the last year?

      Reply
  11. Georgina

    How can I check I am on track to get the bonus by spending enough in the first 3 months?

    If you pay off some of what you’ve spend on the card before the due date is that money spent still counted or is it all based on your monthly statement?

    Reply
    1. MileCards.com

      @Georgina – It’s based on the total amount you spend, not the total amount you pay off. So if you spend the $4,000, the points will show up on the statement before your due date to pay it off. To keep track, best bet is to call the number on the back of your card.

      Reply
    1. MileCards.com

      @Rachel – When it is mailed, though call the number on the back of your card as there is sometimes a bit of grace in that to account for mailing.

      Reply
  12. Kenneth Norman

    Can i earn 2x reward points from travel spending using airbnb and HomeAway VRBO? Do these travel sights qualify?

    Reply
  13. Pushkar Joag

    if I book flight tickets or hotels for my family members e.g. my wife and parents using my chase sapphire preferred card? will it still qualify for the rewards or it’s a must that I travel?

    Reply
    1. MileCards.com

      @Pushkar – You can book tickets for anyone you’d like with your points and don’t need to be traveling.

      Reply
  14. Eric S

    I had 74,774 points on my account. I currently have an overdue balance(am making payment today). I checked my rewards points now and it says I have 0. When I make the payment and am in good standing with Chase, will my 74,774 points come back?

    Reply
    1. MileCards.com

      @Eric – If it was over 60 days late, then you lose the points. But never hurts to call and ask about your particular situation.

      Reply
  15. AJ

    I read that the CARD Act of 2009 prevents me from 1 – downgrading my Chase Sapphire Preferred to Chase Freedom or 2 – upgrading to Chase Sapphire Reserve within the 1st year of being approved for the Preferred card. Does this essentially mean I have to pay the annual fee in a year before downgrading/upgrading? Does Chase “pro-rate” the fee if I downgraded/upgraded?

    Reply
    1. MileCards.com

      @AJ – There’s typically a bit of grace between when you see the fee hits your statement and when you can avoid it by closing or changing accounts.

      Reply
  16. Ashley

    Is there any way to use your Chase Credit immediately after approval?
    And if not, how much would it be to have it expediated?
    Thank you!

    Reply
    1. MileCards.com

      @Ashley – Unfortunately there isn’t a way to use it immediately. Though you might be able to get it expedited by giving them a call on 1-800-432-3117.

      Reply
  17. McKenzie

    If I combine points from my Chase Freedom card with my Chase Sapphire rewards will the points still be worth 25% for travel, at least on the points originally earned on the Sapphire card? I am scared that once I combine my points with the Freedom card I will no longer get the extra 25% toward travel since Chase Freedom doesn’t offer that.

    Reply
    1. MileCards.com

      @McKenzie – If you move from Freedom *to* Sapphire, they will get the extra 25% toward travel when you redeem from a Sapphire account.

      If you move from Sapphire *to* Freedom, then they won’t get the extra 25%.

      But you can move points back and forth as many times as you want. Unlike airline partner transfer, this is a two way street.

      Reply
  18. Mel

    I am looking to get a new credit card that’s good for travel, but when I do travel I rarely use the airlines Chase has partnered with or that are in Chase’s online portal. If I have a Chase Freedom Unlimited Card is still better to get the Sapphire Preferred because I can combine points or would the Barclaycard Arrival+ be a better option for someone who doesn’t spend a lot on travel annually?

    Reply
    1. MileCards.com

      @Mel – Where do you plan to travel with the points? Sounds like an Arrival or Venture may be simpler for you.

      Reply
  19. tim brandt

    my wife and i are looking to get the csp card can i pay all my bills such as utlities, car insurance, phone bill cable company to go towards the $4000 and will it earn points?

    Reply
    1. tim brandt

      we got approved for our card on april 18th and received the card on the 24th of april. it looks like billing of the card is on the 14th of the month so do we have until the 14th of august to get our $4000 spent to get our 50000 rewards points. we just do not want to miss out on the points

      Reply
      1. MileCards.com

        @tim brandt – Congratulations on the approval. The clock starts from when your account is created, so closer to July 18 would be the deadline, though there might be some flex in that to account for the time it took for you to receive the card. You can call the number on the back to get the exact date.

        Reply
  20. Kyle

    Hi! I already have the CSP card. Would I be able to also be an authorized user if my domestic partner were to get a CSP card? Thanks!

    Reply
  21. Mau

    Do you have to charge and pay off the $4,000 balance within the first 3 months to receive the 50,000 bonus points? Or just charge $4,000?

    Reply
    1. MileCards.com

      @Mau – Just charge and pay on time like any credit card purchase, though we don’t advise keeping that big balance running for months because of the interest charges.

      Reply
        1. MileCards.com

          @Georgina – The minimum is sufficient, but we recommend paying the whole balance because the interest charges aren’t worth the points – better to use a card with a lower interest rate if you’re not going to pay it off in full each month.

          Reply
  22. Kaitlyn

    I currently have this card and rarely have issues with it, but I was wondering if it is possible to switch it from requiring a signature to requiring a pin instead?

    Reply
    1. MileCards.com

      @Kaitlyn – Unfortunately it’s not a feature of the card or other Chase cards at the moment. No word on if they plan to change that.

      Reply
  23. Elena

    What does the 1:1 transfer mean? If I already have chase freedom I don’t have to transfer anything, correct? They are totally separate cards? Thanks!

    Reply
    1. MileCards.com

      @Elena – 1:1 transfer means you can turn your points into airline miles or hotel points with United, Southwest, Marriott, and other participating programs. 1 Chase point = 1 airline mile or hotel point.

      Your Freedom is totally separate, but you can send points from your Freedom to your Sapphire account anytime.

      Reply
  24. Tomasz

    Hi, In case I have spent the $4k in 1 month, do I get the bonus points (50k) right away or still after the 3 months?
    Thanks

    Reply
    1. MileCards.com

      @Tomasz – No need to wait three months. They’ll post sometime in between – either with the statement in the month when you hit the spending, or the statement after that.

      Reply
  25. Meg

    I am a Chase customer and have several of their credit cards. I was going to cancel my Chase Sapphire Preferred at the end of the first year and have my husband apply for one. With Chase’s 5/24 rule, I am afraid if he lists me as an authorized user from the get go it will affect his approval. Can he apply for a card, and then upon approval and open, add me as an authorized user without it affecting his approval?

    Also, I still have a regular Chase Sapphire card? Can I transfer points 1:1 to travel partners with the CS, or only with the CSP? Thanks!

    Reply
    1. MileCards.com

      @Meg – Once he’s approved and has the new account open, adding you as an authorized user won’t affect it.

      As for your regular Sapphire – you can send the points to your husband’s account anytime, and you can transfer from there.

      Reply
  26. Vik

    Hi! Last week I applied for my Sapphire Preferred, and I added the authorized user on that same application. Today I received a letter, called, and they let me know that I was approved. I would like to know if I’m qualified to receive those 5,000 bonus points even thou I added the authorized user before getting the card approved?? Or I needed to do that after getting the card?

    Reply
  27. Nabila

    hello, so i received my card really late; therefore, didnt get the 3 whole months to spend the 4k. however, I did spend 4k within the 3 months after my first purchase. Would I still receive the 50k points?

    Reply
    1. MileCards.com

      @Nabilia – Best to call the number on the back of your card to check, but generally it’s from when the account is opened with a little wiggle room, rather than the first purchase date.

      Reply
    1. MileCards.com

      @thuy – They generally post with the statement that hits for the period when you complete the $4,000 in spending. Sometimes it doesn’t hit until the statement after that. But no need to wait a full 3 months if you hit the spending requirement early.

      Reply
  28. Leah

    In order to earn points, do I have to book my flight/hotel through chase online/ultimaterewards.com, or could I use Expedia and pay with my chase sapphire and still get the points? I have a discover and to get extra cash back on certain online purchases, you have to enter the website through discovers portal. Just wondering if it is similar to that or if I could use expedia, etc.?

    Reply
  29. Vicky

    Hi, I recently approved for the chase sapphire card. If I use the card to pay off a bank loan and student loans will that still qualify me for the 50,000 bonus points if it is over $4,000?

    Reply
    1. MileCards.com

      @vicky – Only if the loan provider accepts a credit card payment. Most do not. If you end up writing a convenience check or doing a cash advance, you won’t earn points / won’t qualify for the $4,000.

      Reply
  30. Luis Roque

    Hi! I recently applied for the Sapphire Card! If I use the card at gas stations, grocery stores, Costco etc. do I get any points that go towards my rewards?
    Do you only get the most points when used for traveling and dining?

    Reply
  31. Luca

    Hi,

    I have two questions.

    If I apply for this card, can I link to it my already existing Mileage Plus number or should I link it to a freshly cerated Mileage Plus number?

    Can I have Chase Sapphire Preferred connected to my PNC account or should I have a bank account with Chase?

    Reply
    1. MileCards.com

      @Luca – You can use your existing Mileage Plus number when you decide to move points to United. And you can pay it from your PNC account – no need for a Chase bank account.

      Reply
  32. Amy Walker

    I booked a flight yesterday for my husband and I using our Ultimate Rewards points. I might need to cancel that flight now. Would I get my points back or will I get a credit to my account?

    Reply
    1. MileCards.com

      @Amy – You might have a credit with the airline if it was less than 24 hours ago. You’ll probably have to go through the airline to sort it out and see what future flight value you have with that airline.

      Reply
        1. MileCards.com

          @Amy – Yes, once the ticket is booked, the Chase travel center pays cash to buy the ticket from the airline. And at that point the ticket acts like any typical nonrefundable plane ticket. You might get travel credit with the airline, less a change fee. You can call the travel center on 1-866-951-6592 to check your options.

          Reply
  33. Katie

    If the card is compromised (someone unauthorized makes a purchase), and the company has to issue a new card, do you lose your points?

    Reply
  34. Phoebe

    I applied for this credit card about a month ago and I still haven’t received the card in the mail. Also, haven’t received an email or any kind of confirmation that I’ve been approved or not. What should I do?

    Reply
  35. Sydney

    My mom is a cosigner on the card so she has one too under the same account. do we share points or do we each have a separate point system?

    Reply
    1. MileCards.com

      @Sydney – The points from both of your cards will go into the account of the primary cardholder, so you can share them there.

      Reply
  36. Johleena Tolentino

    My added me as an authorized user on his Chase Sapphire Card over a month ago and I still haven’t gotten the card. How long does this usually take?

    Reply
    1. MileCards.com

      @Johleena – Not that long – the card is sent to the primary account holder’s address though. So if you have different addresses it won’t be sent to your address.

      Reply
  37. NYCtoUK

    We have a Sapphire card but now live in the U.K. We love the benefits it offers because we travel a lot. Is there a way that we can pay the card from our bank in the U.K.? We’ve been transferring money to pay bills and the fees that we’ve paid in transfer fees to keep the card does not justify keeping the card even with its great benefits

    Reply
  38. Kariganne

    How is the available cash advance limit determined.? If the credit limit was between $8-10k what would the likely cash advance dollar amount be?

    Reply
    1. MileCards.com

      @Kariganne – No precise way to tell in advance, but the cash advance limit is often much lower than the full line. Also beware cash advances don’t earn points.

      Reply
  39. Jessica V

    Hello,

    I have multiple purchases that were travel-related or at a restaurant, and I did not receive double rewards. How do I fix this? Thank you!

    Jessica

    Reply
  40. Jmoney

    Hello! If I spend $4,000 in the first month will my 50,000 points be available after that first month or do I need to wait until the 3 months is up?

    Reply
    1. MileCards.com

      @Jmoney – No need to wait the 3 months. It should post with the statement that has the purchase that puts you over $4,000, but sometimes it lags and hits the next statement.

      Reply
    1. MileCards.com

      @Dezzy – Depends on your credit limit and the pattern of spending, but there’s no single cutoff for everyone.

      Reply
  41. Beth

    So, I feel this is a redundant question, but here goes — whatever I put on the card, pay a bill, buy groceries, get the dog groomed, eat at my favorite Mexican restaurant, all count toward the required purchase amount in 3 months to receive the 50,000 points? Yes? Thank you!

    Reply
    1. MileCards.com

      @Beth – Yes indeed. Cash advances don’t count, but what you described are all purchases, not cash advances.

      Reply
    2. Heywood Jablomey

      Literally if you just read about the card your question will be amswered. Common sense isnt common anymore. Lazy people who just ask questions instead of reading.

      Reply
  42. Dean Saunders

    If a school allows for payment of tuition with a credit card, would it count toward my required $4,000 use of the card within the first 3 months, or count toward earning points?

    Reply
  43. Stuart Birkby

    This seems to be the only way I can contact Chase Sapphire since I can’t get through to the secured email site nor can I call you.

    Every time I log on to the Chase card site I get an error message that my computer isn’t recognized. Funny, it is the same computer I’ve used for five yeas now. And I haven’t made any major changes to it. So I get the temporary code number. I copy and paste it, then I only get a blue screen with a circle in the middle that spins and spins for hours.

    The only way I can pay my Chase bill is through my bank. I can’t log on without having to use a code number, then the code doesn’t access the site. So I can’t use the site to communicate or pay bills. Neither am I sure what my balance is, since my local bank online site is usually wrong.

    It is very frustrating to have to use “secure” email when I can’t access it to do anything. This has been going on for months. I can’t get through on the telephone either. Basically, the chase.com site is inaccessible to me. I don’t know what I’d do in an emergency.

    Chase really needs to set up a non-secure email for general inquiries or when people can’t get through to the secure site.

    Reply
  44. Cheng Zhan

    Hi, I just got my CSP card today and I have successfully activated it by calling the phone number on the card and the CSP servise told me it can be used now. When I login my chase online account, I cannot find my new CSP card in my credit card list. Thus I cannot do anything with my new card online. Is it means I didn’t activate it successfully? Do I need to do it again or call the service?

    Reply
  45. kyle moses

    hello

    i have a CSP card and im going abrad for months ,what do i need to do so chase does not freeze the card as i need it to work abroad ?
    also what is the max overdraft amount alowed?
    Thanks

    Reply
    1. MileCards.com

      @kyle – It’s generally automatically handled with their fraud detection systems – they say you don’t need to notify – but you can call them to note your situation.

      Reply
  46. Bob H.

    If I apply today and am approved, how long before I can use the card for online purchases? I would like to use the card for some Giving Tuesday donations to organizations that have matching donations today.

    Reply
    1. MileCards.com

      @Bob H. – Unfortunately you wouldn’t be able to use it same day – it has to be physically in your possession before you can activate it.

      Reply
    1. MileCards.com

      @Alexa – The authorized user needs to make a purchase with the card first. Then it should post after the statement closes for the period when that purchase is made.

      Reply
  47. Grace

    Hello,
    I just booked 2 air tickets for my parents with ultimate reward for their trip next February.
    However, I want to cancel my card in January before I get charge for annual fee. If I cancel my card before their trip, will they still be able to travel? Thanks.

    Reply
  48. Michael

    1. I give visa gift cards for weddings and birthday gifts, would these purchases be able to get points?
    2. Does that count as a cash advance?

    Reply
    1. MileCards.com

      @Michael – yes you can earn points for those, and they are generally not considered cash advances. You’ll end up paying the fee to the gift card provider for the gift card purchase.

      Reply
  49. Paige D

    Do you have to pay off the $4000 in the first 3 months to receive the 50,000 points or just spend it in the first 3 months?

    Reply
    1. MileCards.com

      @paige d – You don’t have to pay it off in full – but we wouldn’t advise carrying a balance month to month because of the interest charges.

      Reply
  50. Sonia

    Hi, my boyfriend and I would like to be joint card holders. I have am a US citizen (and have a long history with another Chase Card) however, he is not a US citizen. Is it still possible for him to be on the card? He has accounts in American banks and has a long credit history with them. As a captain, he is able to work in the states, he just never need a SSN. Thank you!

    Reply
  51. Cydney

    Hello, I’ve read some questions but not seen my question address. I have a friend who has opened a chase sapphire preferred card and he said he had no interest for either the first 6 or 12 months. Is this correct, does that apply to the CSP?

    Also, is there a temporary card to make purchases on until the card arrives in the mail?

    Thank you very much!

    Reply
    1. MileCards.com

      @Cydney – There isn’t such an offer that we’re aware of, but he might have been targeted after opening the card. As for a temporary card, unfortunately no that isn’t available, but you can call to see if they can expedite your card.

      Reply
  52. Joe

    I have the CSP card and added my wife as an authorized user. We plan to meet the $4k spending within 3 months to get the 50k bonus points and also 5k bonus points when she makes a purchase as an authorized user.

    Can she also apply for a CSP card as the primary user and earn the 50k bonus points if we spend $4k on that card over a 3 month period?

    Reply
  53. Ak

    Hi,

    I would be a first credit card applicant therefore I would have two (silly?) questions:
    – As an Eu citizen I will be in the US for 3-4 months for work (but as a consultant so not on a US work contract): Can I apply for this card? (If not can you suggest anything which might be available for me as well because I will travel and spend a during these months so would be nice to get some rewards?)
    – I also read that it can be only paid from a US account. So does it work if I pay it back through transferwise (because in this case I think the money would arrive from a US account?!)
    – Am I understand correctly that this whole credit card usage works the way that in the whole month I am spending the money form the card (starting from 0 $ to go down to minus) and then at the end I need to balance it back to zero by transferring the money from any other account? If that is the case would it work if I simply transfer a bigger amount of money initially and then basically spending my own money and never go down to minus? Or am I thinking something wrong?

    Thanks!

    Reply
    1. MileCards.com

      @Ak – Probably not going to work this go around as you would need a US social security number to apply, and need to build some sort of credit history. It would be rare to be able to get this as a very first credit card. Usually it takes 6 – 12 months to build up a history with a secured card, which requires a security deposit to start, which would then put you in a position to consider regular credit cards like this. So if you will have a social security number, building a credit history, then getting a regular rewards credit card.

      Reply
  54. Dora

    Hi, may I ask that usually how long does it take to get approval if I make the application online? Thanks.
    Another question is that if I downgrade the sapphire preferred card to a non-preferred regular card, will 1 point still worth 1.25 points in Ultimate Rewards travel? Thank you so much.

    Reply
    1. MileCards.com

      @Dora – Approval can be instant. Sometimes they may say they need extra time to review.

      If you downgrade to a non-Preferred 1 point will no longer be worth 1.25 cents for travel. It will be worth 1 cent.

      Reply
  55. Wes

    Searched through all comments but did not see answer to this question… regarding the $4000 purchases within 90 days from approval, do purchases of gift cards from Target, Home Depot, etc. qualify?

    Reply
  56. Roru

    I am waiting for my CSP. I am leaving town 4 days from now. it was shipped 3 days ago. what city is it shipped from. I am in miami.

    Reply
    1. MileCards.com

      @Heather – Not in the sense that Chase will send a check to the company you’re paying. That would be like a cash advance. With credit cards, you can ask the company you’re paying to set up autopay to your Chase credit card. Some offer this, some don’t.

      Reply
  57. Heather

    If I am a Chase banking customer, do I have the option to pay other bills with this card through online bill pay?

    Reply
    1. MileCards.com

      @JustApprovedforChase – They generally hit either the first statement after you meet the requirement, or the following statement.

      Reply
  58. Toh

    Hi,

    I have just been approved for the Chase Sapphire and am told it will take a couple weeks until the card arrives. Today is 8/7, does that mean my first 3 months start today even though I do not have my credit card or will the actual start date be when I receive the card in a couple of weeks? I ask because I am going to Maui 11/10-11/17 and plan to use my card for most of the trip towards the $4000 for the 50k introductory bonus points.

    Reply
    1. MileCards.com

      @Toh – Officially it’s from your ‘account opening’ date which is when you’re approved – but there is sometimes some padding in there – best to call and ask them to check your account to verify the actual date.

      Reply
    1. MileCards.com

      @Neli – No notification required. If they deem the activity suspicious you might be alerted, so make sure your contact info is updated.

      Reply
  59. KelseyAnne

    Hi Chase!!!

    A couple questions:

    1) Do payments on paypal and venmo count as cash advance transactions?
    2) Do payments on paypal and venmo still earn points and count towards the sign up deal?
    3) Do independent contracting apps like Airbnb and Lyft/Uber count as travel expenses and earn 2x the points?

    Reply
    1. MileCards.com

      @KelseyAnne-

      1) No they don’t – though you may get hit with a fee from paypal / venmo
      2) Yes they would
      3) If the merchant codes it as a taxi / hired car then yes – and we’ve seen reports they do

      Reply
    1. Megan

      I use mine to pay my cell phone and car insurance and I get the standard 1 point per dollar. If you’re able to pay your bill and/or debt using a credit card then you will receive the standard 1%.

      Reply
  60. Christopher Burr

    I am with wells fargo =, could i just apply for chase sapphire and just have the credit card with chase and still stay with wells fargo? or do i need to switch everything to chase?

    Reply
    1. Megan

      You can stay with Wells Fargo. I have my accounts with Chase, but I once opened a credit card at a furniture store that was a Wells Fargo account and just paid it like any other credit card.

      Reply
  61. Johnny hill

    If I owe a person money and I pay them using the chase sapphire card through PayPal, venmo and cash app, will I get points for that?

    It’s a 3% fee, so it’s something I’d like to know if it’s worth paying someone using the credit card.

    Reply
    1. Megan

      You would get the points, but it’s the standard 1% so if the fee is 3% of what you’re paying then I wouldn’t see the value in it unless you’re really trying to bank points for something. I could pay federal taxes with the card, but since they charge 8% fee I don’t use it.

      Reply
  62. James Mulvaney

    How long does it take for the Sapphire points to be transferred to the United Airline? Does the business day count? I’ve just transferred 70,000 points from Chase to United. It shows “instant transfer” but my United account hasn’t shown up the points yet. Today is Sunday, so I am wondering if ‘business day’ counts.

    Reply
  63. Nikki

    Is there a way to ensure that my Chase Sapphire Preferred points AUTOMATICALLY transfer to my United account, or do I have to go in periodically and manually do the transfer?

    Reply
    1. MileCards.com

      @Nikki – You have to manually transfer each time. There is no limit to the number of transfers, and each transfer needs to be at least 1,000 points.

      Reply
  64. sophie

    Hi

    I just got a sapphire preferred credit card. But I ‘m confused about buying tickets for shows, amusement parks, sports or leisure in general : are they rewarded *2 ?

    thanks

    Reply
    1. MileCards.com

      @sophie – Not usually – only ‘travel’ and ‘dining’ would get that benefit. You might be confusing it with the Citi ThankYou Premier that earns 2x on Entertainment spending.

      Reply
  65. Meg

    If I pay off the current balance of my credit card, before the statement is issued for this month, will I earn the associated points now? Or will I still have to wait until the statement is issued to earn the points?

    Reply
    1. Meg

      To give more info – I have already spent the needed $4k that is needed to earn the 50k points and would like to try to avoid having to wait until my next statement is issued to receive the points.

      Reply
      1. Megan

        You still get your points. I always pay off all my credit cards at the end of the month (to monitor monthly spending) and it’s before my statement date and I’ve received my points. It’s whatever you spend during billing cycles so a more recent purchase might not show up until the next month’s statement.
        However, I’m rereading your question- you get the points for the dollars you spend, but they don’t show up until the end of the billing cycle so you’ll have to wait regardless.

        Reply
  66. Susan

    I have had a CHASE Freedom card for many years and have a good/great credit rating. (1) Would “upgrading” to a Sapphire Preferred give me any perks or bonuses? (2) Will they let me cancel the Freedom and transfer any outstanding charges to the Sapphire Preferred?

    THANKS!
    Susan

    Reply
      1. MileCards.com

        @Michael – If they let you upgrade you wouldn’t get the intro perks unless they say so when you ask. Upgrades get treated differently than new accounts.

        But you could try to apply for the Sapphire Preferred on its own and be eligible for intro perks if you meet the requirements. No issue having both cards.

        Reply
    1. MileCards.com

      @Susan – Upgrading won’t give you bonuses. But you could apply for a Sapphire Preferred on its own and could be eligible for the intro perks. There’s no annual fee on your Freedom so not a lot of reasons to cancel it unless you’re worried about overspending by having another card around. Both accounts will show up on the same page when you login to your account at Chase.com.

      Reply
  67. jimbo

    How long does the account need to be open to not incur a fee? If i spend $4000 in the first 3 months and obtain the bonus points and then cancel or reduce the card to non preferred to avoid the $95 annual fee say at 11 months will there be a cancellation fee?

    Reply
  68. Katie M

    I would like to make a large airline purchase within the first month of getting the card to go towards the $4,000 spending, but would also like to redeem that large travel purchase with the 50,000 points I would receive after reaching $4,000. My current miles card only allows you 90 days after the purchase to use your miles to erase the cost. How long does Chase Sapphire allow for you to redeem the miles after the date of purchase? Thank you!

    Reply
    1. MileCards.com

      @Katie M. – Unfortunately to get the ‘good’ 1.25 cent per mile rate for travel, you need to book it via the Chase travel portal, and you can’t apply points retroactively.

      However, you could decide to use your points for statement credit / cash back anytime. But in that case your 50k points would get you only $500 in value.

      Reply
  69. Tyler

    If I book a flight through the Chase Online Travel Portal with my Chase Sapphire Preferred credit card then do I earn 2x points or 3x points?

    Thanks,
    Tyler

    Reply
  70. Gabriel Morales

    What is used in my Chase Sapphire Preferred do I have to pay it in full by the end of each statement?

    Reply
      1. MileCards.com

        @Guy – It’s not mandatory – but highly advisable, as the savings from rewards get eaten up by the cost of interest.

        Reply
  71. JOHN ALLEN

    How do you calculate the 3 month period? What if I purchased on the card within the 3 month period but it does not post until after the 3 month period is up?

    Reply
    1. JOHN ALLEN

      To be more clear, I am trying to get the bonus miles for the introductory period. I have spent the $4000 but it looks like a few dollars won’t post until midnight, when my 3 month period is up. Do i still the bonus?

      Reply
      1. MileCards.com

        @JOHN ALLEN – Give a call to the number on the back of your card to flag it. This sounds very very close, so worth talking directly.

        Reply
  72. Andrea

    Will be opening up an account in August and trying to get information as to what exactly I could spend the $4,000 on. For example, what about if I buy camping gear, electronics, shoes or want to pay off my rent or utilities or even a flight to the Netherlands purchased within the first three months using the card… will that be counted and would I get the 1:1 ratio that I have seen so often?

    Reply
    1. MileCards.com

      @Andrea – Yes any of those examples will earn the points and count toward the $4,000 if the merchant you’re paying accepts a credit card. Your rent payment might not accept a credit card.

      Reply
  73. Justin

    There are two people, the Primary account holder and the Authorized user. Authorized user got the 50k Sapphire Preferred bonus 4 years ago and cancelled the card after the first year. Does that affect Primary from getting the signup bonus? To get the 50k bonus, we need to spend $4000 in 3 months. Is that a combined total spend between Primary and Authorized?

    Any other gotchas regarding the Authorized user?

    Reply
  74. LS

    I am contemplating signing up for this card. My only question is, I want to go ahead and purchase plane tickets, and would like that expense to be on whatever miles card I go with. I need to purchase the tickets in a matter of hours to be sure I can book this flight, and Southwest Card will allow me to sign up and begin using the card right away. Will I be able to do that with this Chase card before the actual card arrives in the mail?

    Reply
  75. Sam

    Hi! I have 2 questions:

    First, if I booked a cruise through Carnival’s website and I am paying it off through Carnival’s website with my Chase Sapphire Preferred Card, with that payoff count towards the $4,000 I need to spend in the next 3 months to get the bonus 50,000 points?

    and

    Chase approved me with the highest interest rate 23% – which I am accustomed to getting much lower rates. Do you know if they really lower rates when the review accounts or any advice on getting a lower rate?

    Thank you!

    Reply
    1. MileCards.com

      @Sam – Yes that will count toward your spending requirement. As for your rate – as you improve your credit profile you might be able to ask for something lower, but that kind of decision is really hard to get any good reads on.

      Reply
  76. Carrie

    Hi, Ive recently received CSP & Citi Prestige cards. Ive googled the heck out of this specific question, and cannot find the answer anywhere. Hoping you can help. I know cash advance and cash-like transactions don’t count towards minimum spending requirement or earn points. However, do purchase of AAmiles or hotel points count/act as purchases or are they considered cash like transactions? AA currently has a great offer with 35% discount and 15k bonus miles when purchasing miles. Hilton Honors also has a great offer going right now with 100% bonus on any points purchased. In my googling efforts I found a ton of forums talking about 10+ great ways to meet spend requirements but none mention if purchasing miles or hotel points count towards spend requirement & sign up bonus, or if they will count as cash-like and not count towards anything. I understand in general purchasing miles/points is always bad, but was thinking of this as a one-time way of meeting spend requirement.

    Reply
    1. MileCards.com

      @Carrie – They generally appear as billed by the airline itself, so that wouldn’t be considered a cash like transaction.

      Reply
  77. Stephen t meys

    I have been approved and waiting for my preferred sapphire card I have a balance on my Macy’s card can I transfer my balance over

    Reply
    1. MileCards.com

      @Stephen – For balance transfer, don’t do a transfer to the card you want to spend on. Let’s say you transfer $5,000. And then you make $500 in purchases next month. Even if you pay all $500 from your statement, you’ll get charged interest on that $500 in purchases because your transferred balance is still there.

      Instead, transfer to a different card that you won’t use for spending. There are some low rate options here:

      http://www.magnifymoney.com/compare/balance-transfer-credit-cards/

      Reply
  78. Alex

    I want to get a card for both my wife and myself. Will out spending towards the 4,000/50K bonus be counted together or separate? Thanks.

    Reply
  79. Kendra

    So I think I’ve gone through every comment here and done just about every search possible. I do not see anything regarding the Chase Preferred card restricting if I want to get two flights with points (example: myself and a family member). Is there anywhere I am able to find this information? Haven’t applied for card yet but wanted to consider this piece before I go on to apply.

    Reply
  80. Haya

    Hi, I have an international bank and I was wondering if I could add that to my credit card payment so I can pay with through my international bank? Thanks

    Reply
  81. Constance McGraw

    Hi,

    I am a frequent flyer of American Airlines and was wondering if this card was partnered with them in anyway? Would I be able to use points from a partner airline and transfer miles to American?

    Reply
  82. Jenn

    Hello,
    My boyfriend is currently using CSP and I’m wondering if he can send me the points he has earned to me if I am using Chase freedom? Would there be any costs related to transfer?

    Thanks!

    Reply
    1. MileCards.com

      @Jenn – If you both use the same billing address, yes, you can combine them for free anytime, and you can move back and forth as much as you want, so it’s not a one time thing.

      When you login to UltimateRewards.com, just hover over your point balance at the top right of the screen, and you’ll see the option to ‘combine points’ in the menu that drops down.

      Reply
  83. Lauren

    How long after I register can I start using the card? I have a big purchase I have to make quickly.

    How long does it typically take to get approval. And once approved, can I begin using the card online immediately (before the physical card gets here by mail?).

    Thanks!

    Reply
  84. Wendy

    I was approved for the CSP card and have a credit limit of $5000. I would like to book my summer travels on the card however they exceed the $5000 limit. Would I get all the points if I charge the $5000 today, pay it off tomorrow and then charge the remaining travels on the card the following day? Thank you!

    Reply
  85. Taylor

    I’m looking to apply for the CSP and add my mother as an authorized user. Will she earn separate rewards points from me or will they all go into my account? We also do not share the same last name, so I’m not clear on if would I be able to transfer points to her later for her travel rewards?

    Thank you.

    Reply
    1. MileCards.com

      @Taylor – She will earn points in your account as an authorized user. If you want to transfer points into her own accounts for example with frequent flier programs you’ll need to have her with the same household address as you. Chase allows one member of your household who is an authorized user to be designated to receive point transfers.

      Alternatively, most programs just let you book tickets in someone else’s name straight from your own account – no need to do any transfers.

      Reply
  86. Margaret Bickley

    I am a first time credit card applicant. I have used a debit card all of college and my first few years post grad. I am beginning to travel a lot, and I want to start building credit. Am I eligible to apply for the Chase Sapphire Preferred card? If not, what credit card best partners with CSP? I want to be able to apply as soon as possible for a transfer to CSP. Thanks!

    Reply
    1. MileCards.com

      @Margaret – Your very first credit card can be tricky with no credit payment history.

      First check here to see if you are pre-qualified for the card: https://creditcards.chase.com/prequalified-offers

      If you are – great. If it’s for another Chase card, get it and use it for about 6 – 12 months, pay it off each month, and you should be in better shape for premium cards like the Sapphire Preferred.

      If you are not pre qualified, consider a Discover It Secured card – which requires a small $200 deposit and has no fees.

      https://www.discover.com/credit-cards/secured/

      It’s geared to people who don’t yet have a credit card history. Then, make a small charge on that card each month for about 6-12 months, and pay it in full each month, and you could see your credit score rise. By then it may be near 700, which gives you a good shot at many of the good rewards cards like the Chase Sapphire Preferred.

      Reply
  87. J&D

    My boyfriend will be getting the CSP card and I would like to be added as an authorized user. I have 2 questions about this: 1) Can spend completed by the authorized user count towards the $4,000 minimum spend required for the bonus?; 2) I am interested in getting the CSP card on my own in the future. Will being an authorized user on his card prevent me from receiving the 50k points myself because I was an auth user on his car in the past 24 months?

    Thank you for your thoughts about this.

    Reply
    1. MileCards.com

      @JD – Yes the authorized user spend will count and it won’t prevent you from getting an intro offer later on your own.

      Reply
  88. Jon

    When they say everything earns at least 1 point, are theyre any exceptions? I know groceries and gas dont earn double but do they earn anything at all?

    Reply
    1. MileCards.com

      @Jon – The only things that don’t earn points are these: balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, overdraft advances, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.

      Reply
  89. Wendy

    I’m not sure if this has been asked but I received my Chase Sapphire and spent over $4,000.00 within two months. I don’t see my points on my account. Will they show up eventually?

    Reply
    1. MileCards.com

      @Wendy – Yes. They generally post when the billing statement is generated. If they don’t post then, it may hold off until the following statement. At most it takes 6-8 weeks after hitting the spending requirement.

      Reply
    1. MileCards.com

      @Winnie – With the Postal Service there aren’t time guarantees, but generally around a week.

      Reply
  90. Deana

    Hello – I apologize in advance if this question was previously covered. Can I pay off my balance at any time or do I need to wait until the billing closing date for that money to count toward my minimum spend? I want to make sure I have zero interest but that all my spend applies. I got an email saying my statement was available but it says no payment due until 3/20/16. Thanks!

    Reply
      1. MileCards.com

        @K – Unfortunately you need to wait until the card arrives. They might be able to expedite sending the card if you give them a call, but no guarantees.

        Reply
    1. Ryan

      I have applied and this will be my first major credit card. To get the bonus points after spending the $4000 in 3 months, do I have to spend the $4,000 first and then pay it all off? Or do I have to spend some, pay it back, hen spend more, pay it back, until it reaches $4,000 within the 3 months? Thanks for your help

      Reply
      1. MileCards.com

        @Ryan – You don’t have to pay it all off to get the miles. But we very strongly advise that you pay your balance in full each month by the due date so you avoid any interest charges.

        Reply
    1. MileCards.com

      @Samantha – If your landlord accepts credit card payments or lets you pay through a service that turns credit card payments into rent payments like ‘RadPad,’ then yes. But if you’re just trying to write a check via your credit card, then no.

      Reply
  91. Jeff

    If I have a chase sapphire card and earn points on it and my partner has the southwest card and I am an authorized user on his card, would I be able to transfer points I earned from my sapphire card onto his SW card or is that not possible?

    Reply
    1. MileCards.com

      @Katie – You can’t get the travel value for past travel purchases. Though you could request statement credit with your points. The catch is your points are only worth 1 cent each when you do that, so 10,000 points = $100. You’re better off using them for future travel if you have some coming up.

      Reply
  92. Tim Harrison

    Hi,
    I am interested in getting a CSP card and was wondering what the income requirements are for a CSP card?
    I have an excellent credit score of 757 according to Credit Karma and only have 2 credit cards opened in the past 3 years and I have 100% payment record. I recently moved and was unemployed for a few months so I don’t have a continuous income stub, will this affect my chances of getting accepted? If so, what income requirements are there i.e. period, amount?
    Thanks

    Reply
    1. MileCards.com

      @Tim – They generally don’t ask for past documentation of your income, so stating your current annual or monthly income as requested in the application may be sufficient.

      Reply
  93. George

    Can I add an authorized user to my Chase Saphire Preferred account if they already have their own Chase Sapphire card by themselves?

    Reply
  94. Mary

    I am wanting to open a Chase Saphirre card and have a car payment per month that goes to Wells Fargo Dealership. Can I do bill pay through my credit card?

    Reply
  95. Garrett

    Hello,

    I was wondering if there is an option to set up ‘Bill Pay’ from my Chase Sapphire card to receive the rewards points. I would want to pay for my car, cell phone, etc. on the Chase Sapphire card. Is this a possible option to do on this card?
    Thanks!

    Reply
    1. MileCards.com

      @Garrett – You can’t set up bill pay in the sense that Chase sends a real check for the bill. But many bill companies (especially cell phone) let you set up automatic payment via your credit card. So for example, if your phone is with AT&T, AT&T has a feature that lets you choose a credit card to automatically pay the bill each month.

      Car payments usually can’t be done directly via credit card. But most utilities like cell phone and TV service can.

      Reply
  96. Carol

    I had a CSP card but cancelled it several months ago but canceled it. I realized now I should not have gotten rid of the card as I like it better than the Citi Thank You card. Can I call Chase to reinstate or do I reapply ?
    Thanks

    Reply
    1. MileCards.com

      @Carol – You’ll need to apply again. The upside is, if you first got your prior card more than 2 years ago, you may be eligible to earn an intro bonus again.

      Reply
  97. Tucker

    Do I need to have a chase bank account to apply for this card? I currently use Wells Fargo and am wondering if I can just apply for the card.

    Also, do you need to spend 4,000 in the first 3 months on travel and dining or just any expenses to earn the 50k bonus points?

    Reply
    1. MileCards.com

      @Tucker – No need to have a Chase account to apply. And the $4,000 is in any category of spending (though things like cash advances or transferring balances don’t count).

      Reply
  98. Kelsey

    Hi, My husband got approved for a CSP card yesterday and added me as an authorized user. Can I apply for a separate CSP card as well and add him as an authorized user? Would we both get the 50k points, totaling 100k points?

    Reply
  99. Brian

    Can I use a Chase Sapphire card to pay another Chase Sapphire card’s balance to earn double the points? One example being. Can I make a purchase with my card, have my fiancée pay the balance with her card and vice versa therefore we recieve double the points on all of our purchases.

    Reply
    1. MileCards.com

      @Brian – Unfortunately no, paying off a balance wouldn’t be considered a purchase, and you only earn points when you make purchases.

      Reply
  100. MBrook

    My wife already has a Chase Freedom account, and we are considering opening a CSP. But the sign-up bonus for a new Freedom seems worth trying to get, if possible.

    Does Chase allow you to link separate Freedom accounts (ie, hers and mine) with one CSP account? Or would she have to add me as an authorized user on her Freedom and open the CSP in her name in order to link them?

    Reply
      1. MBrook

        Thanks for the quick reply! Just want to make sure I understand — we would be able to link two Freedom accounts, and one Sapphire Preferred account? Or is a 1:1 linkage?

        Reply
        1. MileCards.com

          @MBrook – Yes you can combine points from any of those three accounts, and move them back and forth as often as you’d like. Ideally you’d move points to the Sapphire Preferred account since that one has the airline / hotel point transfer feature.

          Reply
    1. Dennis Bills

      we have had a Chase card for years, we now have a preferred chase card and have never signed up for points, someone told us about them and wondered how do we find out about the points and what do we do to access them

      Reply
  101. Jake F

    I have a sapphire preferred card with 22K points currently. if i transfer them to southwest is the exchange rate the same? or will my 22K chase points equate to some other number once they are over at southwest?

    Thanks,
    -Jake

    Reply
  102. Garrett

    Hello,

    I am about to sign up for a Chase Sapphire Preferred. I am very attracted to the “spend $5,000 in the first 3 months & receive 50,000 points” program. My friend has a Chase Sapphire Preferred card & wants to refer me to receive the $50 in points to him and $150 in points to me. If I do the referral program, will I still receive all of my 50,000 points if I do the $5,000 spend in the first 3 months & $150 in referral points combined (i.e. spend $5,000 in the first 3 months & receive 50,000 points & $150 in points from the referral program together)? Please let me know when you can, thanks!

    Reply
    1. MileCards.com

      @Garrett – Not sure if you’ll get the extra $150 but if you do meet the spend $5,000 in 3 months condition you’ll definitely receive the points noted.

      Reply
  103. Fancy

    Hi,

    I want to book a cruise and my fiance and I have spent enough to earn the bonus, however it will not be visible until the next statement. We can’t wait to book since we need to reserve space asap to accomodations our dog, so I was wondering if we could pay for our cruise now and then once the points are apparent next statement we could use them to cover the tickets.

    Reply
    1. MileCards.com

      @Fancy – For cruises with the Sapphire you need to book them directly via Chase on the Chase website or by calling 1-866-951-6592.

      But you’re better off just saving the points to use for the plane tickets that will get you to the cruise.

      Reply
  104. Garrett

    Hi there,

    I am very intrigued about the rewards that Chase Sapphire has to offer, and I am usually very against using credit cards. Is there a way I can continually use your Chase Sapphire card and still not pay a single dollar in interest for the pay period?

    Is it as simple as ‘If I pay off my entire balance before my pay date, then I won’t be charged any interest whatsoever?’

    Pretty much, the idea of ‘Don’t spend money that you don’t have.’ Any insight would be great, thanks!

    Reply
    1. MileCards.com

      @Garrett – Your notion is correct. As long as you pay the balance in full by the due date there are no interest charges. And you can set up your account to be paid in full automatically each month if you’d like.

      Reply
  105. Manish Shah

    How are the 3 months calculated? Is it 3 months from the first time one uses the card OR Is it spend $4000 till the 3rd statement generation date?

    Reply
    1. MileCards.com

      @Manish – It’s from when your account is created, plus a bit of a fudge factor to account for the time it takes for your card to arrive in the mail.

      Reply
      1. Me

        The 4000 in expenses will get me points in the fist 3 months or just the 40,000 points and do I get points in gas stations at all?

        Reply
        1. MileCards.com

          @Julie – It’s not displayed online – you can call the number on the back of your card to get the exact date.

          Reply
  106. Andrew

    If my wife is an authorized user on my sapphire preferred card can she get one of her own and get the sign up bonus? If so, can she add me as an authorized user on her card to get the extra 5k points? Thanks!

    Reply
  107. Gary brown

    I want to apply for the card today but I have a old address that I always use but I want them sent to a different address, will this hurt my approval?

    Reply
  108. James

    I recently moved abroad…Can I pay my balance with a foreign bank account, and if so, will I be charged FX fees for doing so?

    Reply
  109. sung

    I used to have the Chase Sapphire Preferred card a few years ago but no longer do. Do I qualify for the introductory bonus again?

    Reply
  110. mohrohson

    I recently applied (3 weeks ago) for the chase sapphire preferred card and was offered 40,000 points, now I see that they are offering 50,000 points how can I get them to give me the extra 10,000 points?

    Reply
  111. Meghan

    I received my chase sapphire card recently and payed a bill using it, it worked great. Then I went to pay another bill but it’s not going through. Why?

    Reply
  112. kate

    I got the card about 2 weeks now. Lets say i spent $4001 already on the card. Do i need to wait after 3 months in order to get the 40,000 bonus or have to wait for my statement closing and it will be ready to be redeem?

    Reply
    1. MileCards.com

      @kate – No need to wait the full 3 months. It should post after the statement closes, or the following statement.

      Reply
  113. Dusan

    Hi,

    I currently have Chase United Mileage Plus Explorer card and wish to switch to Saphire Preferred.
    Mileage Plus prevents my miles at United from expiring. Will I be able to enjoy that benefit once I close my Mileage Plus card and start using Saphire Preferred instead? Is there a minumum of spending or transfering to United? Also is there a minimum increment of points that should be earned in order to transfer them 1:1 to miles? Thank you so much.

    Reply
  114. Cody

    Hey there! So I applied for a chase sapphire preferred card and I never received an approval or decline notice. Is there some way I can figure this out remotely?

    Reply
  115. Alex

    Hi,

    I would like to apply for the card – I’ve heard great things about it from my friends! I have a question about the 40,000 point introductory offer.

    In order to get the 40,000 points, I believe I need to spend $4,000 in 3 months with my card. If I use my card to make a $2,000 payment towards my student loans, will that count towards the $4,000 amount that I need to spend to get the introductory points?

    Thanks,
    Alex

    Reply
    1. MileCards.com

      @Alex – If your student loan servicer allows you to pay directly with a credit card then yes, though many don’t have that ability.

      Reply
  116. Esther Kim

    I canceled the Sapphire credit card due to suspicious activity and opened another Sapphire card to replace it. Will the reward points on the previous card transfer over to the new one? Thank you.

    Reply
  117. Kim

    Does the Sapphire card offer credit monitoring as a benefit (i.e., FICO checks)? I did not see it listed under the card details, but since some other cards offer it, I thought I would ask.

    Also, I have a Chase mortgage. It is set up on auto payment. If I use the Sapphire card, and still have it on Autopay, can I get credit for it?

    Reply
    1. MileCards.com

      @Kim – So far Chase is only offering free FICO scores on the Slate card, but that could change in the future. If Chase accepts mortgage payments with a credit card then yes you could get point credit, though not sure they offer that options.

      Reply
  118. Bob Barger

    I washed my Sapphire Preferred card with some clothes the other day. The magnetic stripe doesn’t seem to read very well….. takes several swipes. I guess I should call in for a new card. Do they charge for replacement cards being that these cards are made out of some strange metal compound?

    Reply
  119. Keaun

    I applied for ths Sapphire Preferred and was approved on 09/17/2015. The same day applied for 2 other cards ( not with Chase) and was also approved. The next day applied for the Freedom w/Chase and received the “under review” email. Assuming it was because of the recent inquiries on my credit. Will the rejection of the Freedom affect the Sapphire card in anyway? Will it still be mailed out?

    Reply
  120. Annabelle

    Is the $95 annual fee assessed only on the primary account holder or is it also assessed on each authorised user? i.e. If the primary account holder authorises 2 users, is the annual fee still just $95 or 3x$95? And did someone say that gas stations are NOT considered travel but tolls (like EZPass) are?

    Reply
  121. Phil

    I want to cancel my card to avoid the quickly upcoming annual fee but I booked hotel rooms using the ultimate rewards portal for October. If I cancel the cards, will they cancel the reservation?

    Reply
    1. MileCards.com

      @Phil – No they won’t cancel the reservation. You may also find they may have a no annual fee alternative for you.

      Reply
      1. Jez

        I want to cancel my card by Oct. 1 to avoid annual fee but my next statement cut-off date is Oct. 11. I happened to have $5000 spending on this statement. If I cancel the card by Oct. 1 do I still get the 5k reward points generated from this $5k spending? I bank with Chase and have a Chase Freedom. Can I request them to transfer the 5k reward points to Freedom even though my Sapphire will be canceled by then?

        Reply
        1. MileCards.com

          @Jez – That one you’re going to have to call in to get a precise answer. Usually the annual fee isn’t generated until the statement date though so you shouldn’t have a gap there, and there is sometimes a grace period from when the fee is billed to when you can cancel and get it reimbursed.

          Reply
  122. Jonathan Byers

    I recently received a Chase Sapphire Preferred Card and started using it a few days ago. For the promotional offer of earning 40, 000 miles if you spend $4,000 in the first 3 months, when does the 3-month period begin? Does it begin once you start using your card, when your card is first activated, or in the first calendar month after you receive your card? Thanks

    Reply
    1. MileCards.com

      @Jonathan – Once you’re approved, though there is a bit of flex in there to account for the time it takes to mail your card.

      Reply
  123. Andrew

    If I travelling to Europe and I make charges to my Chase Sapphire card, how will you treat the exchange rate and the points for every dollar expended? For example, should I buy a EUR10 item, then in the expenses on my card will appear USD 11.5 (assuming an exchange rate of 1EUR=1.15USD). Then, the point i would receive would be 11.5 points?

    Is there a limit to use my card in Europe or abroad? If no, is there limit to use the card abroad without having a fee to pay?

    Thanks!

    Reply
      1. Andrew

        Therefore, the dollar/point ratio will be given by VISA or MASTERCARD and from that exchange rate CHASE SAPPHIRE will provide the points (e.g. 1EUR = 1.12USD =1 point). Correct?

        lastly, it says: ” •No foreign transaction fees”. Is there a limit until the transaction fees are “free”?

        Reply
        1. MileCards.com

          @Andrew – Yes, that’s right – your points are earned based on the USD amount you pay. And there is no explicit limit to the ‘no foreign transaction fees.’

          Reply
        1. MileCards.com

          @Justin – It is, though it doesn’t have any U.S. airline point transfer partners like Southwest RapidRewards and United MileagePlus. So if you’re interested in that, you’ll get more value out of the Sapphire.

          Reply
  124. andrew

    If i were to use my credit card to pay for bills (i.e. internet bills, phone bills, etc.), will i be able to get cash back for it?

    Reply
  125. Marie

    If I open a Chase Sapphire Preferred card, can I transfer the outstanding balance on another card (specifically, a Bank of America card) to this account? Additionally, would that transfer count toward the bonus miles you can earn in the first three months?

    Reply
    1. MileCards.com

      @Marie – The balance transfer would not count toward the requirement to earn the introductory points.

      Reply
    1. MileCards.com

      @Todd – If the company you’re paying accepts credit cards for payment then yes. Though most mortgage companies don’t let you do that. Many other bill companies like your phone, water, and electric do let you use a credit card.

      Reply
  126. Grayl R

    I plan on giving Cheese Factory gift cards as gifts. Do they qualify as 2x in the restaurant category when I use my Chase card to purchase?

    Reply
  127. Kyle

    My situation. I’m trying to book a flight and want a card to use for my business expenses. I will be leaving in 4 days. I assume in this timeframe a card will not be able to be physically shipped to me but is there some other way I can use the card on my Flight/Travel expenses without having a physical copy? (I would like to use the card today if possible)

    Reply
    1. MileCards.com

      @Kyle- Unfortunately no there is no way to use it today.

      You could request expedited overnight shipping after approval, though it’s not clear when the cutoff is.

      Reply
  128. Eric

    I am trying to apply for the Chase Sapphire Card. When I put in my first and last name it is stating that I have not inputted that part. Basically, it is not accepting my name, but if I put in some random name it does. Any answers to why this would be?

    Reply
    1. MileCards.com

      @Eric – Strange – are you using any hyphens or commas? Perhaps clear your cache, go to the application page and try again.

      Reply
    1. MileCards.com

      @Sally – Generally within a week, though you may be able to request expedited shipping after you’re approved.

      Reply
  129. Esther

    I want to apply for Chase Sapphire Preferred, i have excellent credit (over 700) but i’m currently in grad school and i’m not working at the moment. I heard that student loans can be claimed as income but im not sure.. I want to apply but i’m nervous about getting rejected and taking a hit on credit score. Should I try to apply anyway?

    Reply
    1. MileCards.com

      @Esther – Generally student loans are not considered a source of income. According to FICO a credit inquiry can have a 5-10 point hit on your credit score which reduces over 1-2 years.

      Reply
  130. Luis

    I recently got approved for both sapphire and freedom cards (still waiting on the cards to come in). I was wondering if I can use my sapphire card to pay my chase slate bill? Is there any penalties or charges by doing this? Just thought I’ll get some points and hit a good portion of the 4k for the bonus reward points.

    Can I use the CSC to pay my Toyota car payment? It’s through the Toyota financial. How about my car/house insurance though Allstate?
    Thanks!

    Reply
    1. MileCards.com

      @Luis – Unfortunately you can’t use it to pay your Slate bill. But you could use it for your car payment if Toyota accepts credit card payments. Same for Allstate, it’s up to them.

      Reply
  131. jeff

    I paid my credit card bill much earlier than it was due (due on 7/11, paid on 6/17, posted on 6/19) because I need the extra rewards points ASAP to help pay for a flight. The rewards have not shown up yet, though. How long will it take after the payment posted for me to see the new rewards points?

    Reply
      1. MileCards.com

        @jeff- The points posting isn’t actually related to when you pay your bill. It’s related to when the statement closes for the period when you met the spending requirement. Check the end date of your last statement. If you finished the spending after that, the points will post shortly after the next statement.

        Reply
        1. jeff

          so then, if the june statement closed on 6/14 (that’s the statement I just paid early), when will the rewards from that june statement post to my account? (not sure what “finished the spending after that” means)

          Reply
          1. MileCards.com

            @jeff – Within about a week. If you met the spending requirement close to that date say a week or less, then it might not post until the following statement.

  132. Dan

    If was to get approved for a card how soon could i use the card? Is there anything i could use before waiting for the physical card in the mail?

    Reply
    1. MileCards.com

      @Dan – You might be able to call to request expediting – but generally you need to wait for it to arrive.

      Reply
        1. MileCards.com

          @Dan – We have seen them do it via express overnight before. As always with unpublished things, no guarantees. But it’s not unheard of, and has been done by calling after approval.

          Reply
  133. marie

    I was thinking of using my Sapphire card for a large purchase to get points but then was going to transfer the balance to a 0% card, while still keeping my Sapphire account open. Will I lose those points if I transfer the purchase amount to another card?

    Reply
    1. MileCards.com

      @marie – Once the purchase is made the points are earned as long as you keep your account open and don’t return your purchase.

      Reply
  134. joey hakim

    i applied for the chase sapphire how long will i know if i got approved and do i get an email notification of approval or do they just send the card to me ?

    Reply
  135. Brian

    With Saphire do we earn points for taking cash out? And what is the cash-out limit? I’m not talking about using points to get cash as rewards.

    Thank you!

    Reply
    1. MileCards.com

      @Brian – No you do not earn points for cash advances. And the cash limit is different for every account – so call the number on the back of your card to check up on that.

      Reply
  136. ram

    Do the points an authorized user gets from spending money on the preferred card go towards the total primary card holders account or are the points separate? Thanks

    Reply
  137. Wenjing

    I have a car loan for challenger, when I pay it on Chrysler website, they work with west union , can I still get points? Will chase charge me interest?
    Thanks

    Reply
    1. MileCards.com

      @Wenjing – Western Union is sometimes considered a cash advance, which would incur an extra fee.

      Reply
    1. MileCards.com

      @liz – Unfortunately you can only send them to a spouse or domestic partner. Though you can book trips for anyone you’d like.

      Reply
  138. Elysia

    Hello, I was wondering if I pay my Wells Fargo credit card bill with my chase card if it will count towards the $4000 needed to spend to earn the points in the first 3 months?

    Reply
    1. MileCards.com

      @Elysia – Unfortunately don’t think Wells Fargo allows credit card payment for a credit card bill. You could use a check, but would get hit with fees that ruin the value of the points you earn and more.

      Reply
  139. eric

    Do car insurance, cell phone bills, cable and internet bills, home bills and western union money transfer qualify as a “purchase” so I can reach the 4K in 3 months?

    Reply
    1. MileCards.com

      @Eric – Your regular bills count. A Western Union money transfer might be considered a cash advance and might not count.

      Reply
        1. MileCards.com

          @eric – Car insurance should if your insurance company accepts credit cards. Not many landlords do, but if yours does then yes it’s possible.

          Reply
        2. Liz

          To fly Southwest, transferring points to their rapid rewards system to I have to have one of their credit cards to do that or sign up to their rapid rewards program?

          Reply
          1. MileCards.com

            @Liz – No need for a different credit card. You just need to set up a free Rapid Rewards points account.

  140. Cathy oh

    I have a trip coming up in the beginning of June. My next statement that shows my $4000 spent will be May 2nd. how soon will I be able to receive the 40,000 bonus points?

    Reply
    1. MileCards.com

      @Cathy – It should be shortly after that May 2nd statement but best to call the number on the back of your card to make sure everything’s in good shape.

      Reply
  141. Julia

    I am a US citizen but I am in the UK for school and I want to get a chase card because I travel so much. I was wondering if this is possible and if I can pay the credit card from a UK account.

    Reply
  142. Therese

    Hi, let’s say I am approved and I add my husband as an authorized user to get the additional 5k points. Can he later on apply for the card separately to get another 40k points? Or he has to close the authorized user card first?

    Reply
  143. Arturo Medina

    i am currently a United Frequent Flyer and have Gold status. You have already stated that I would be earning miles by purchasing the ticket through the Ultimate Rewards Portal, the question is: will I still be able to use the United perks such as using the United Club during international travel? Will I still be in boarding group 2? At what point would I provide United my frequent flyer number? Thnks.

    Reply
    1. MileCards.com

      @Arturo – Yes if it’s a United flight number. There should be a place to enter your frequent flier number as you are booking the ticket. If you can’t find that, once you purchase the ticket, just input the confirmation number you receive into ‘Manage Reservations’ at United.com and you can add your MileagePlus number there.

      Once it’s added all your Premier Gold benefits will apply.

      Reply
  144. Katherine

    It says it could take up to 6-8 weeks for the 40,000 bonus points for spending requirements in the first 3 months and the 5,000 bonus points for adding an authorized user to be posted. I just got the card at the beginning of this month. I am looking to take a trip in August and would like to book the flight ASAP as the prices may go up waiting. If the spending requirements are already met and I added an authorized user 1 week ago, is there any way to expedite the posting of the points? Perhaps if I call a representative, or is this all done by an automated system?

    Reply
    1. MileCards.com

      @Katherine – It’s automated, but the best thing you can do is meet the spending requirements as quickly as possible. Another idea is to move your bill due date up sooner, so that the statement is processed sooner. Usually the points post pretty quickly after the statement in which you hit the spending threshold is met.

      Reply
  145. Caroline

    What qualifies a business as dining? I get my food through personal trainer foods and blue apron, sometimes Seattle sutton- is there a way to add those to the list of “dining” places? Thanks!

    Reply
  146. Alex

    I recently graduated from medical school and tried to apply for this card, but was rejected given my sizeable student loans. I’m thinking of having my parents apply for the card, make me an authorized user, and basically assume primary ownership of the card, with their financial guidance. I wanted to see if I would have any issues redeeming miles/booking flights if I was just an authorized user and not the individual who initially opened the account.

    Thanks!

    Reply
    1. MileCards.com

      @Alex- You wouldn’t be able to transfer points into your own account from the Chase account, but you could make bookings for yourself from your parent’s mileage accounts.

      Reply
  147. Justin Draft

    Hi,

    I’m wondering if I can pay off my balance each month using my German bank account, or whether it must be paid from an American bank.

    Reply
    1. MileCards.com

      @Justin – Yes you must pay it from an American bank. Or consider a bank account with HSBC or Citibank which allow intra-bank transfer from foreign to U.S. accounts.

      Reply
      1. Lena

        Does the rules for this change in 2015? I just spoke to someone from Chase who said I could pay off the balance with a non-US account (UK in my case).

        Reply
        1. MileCards.com

          @Lena – It’s possible – though if you have check writing privileges it wouldn’t matter – you’re simply writing a check to Chase.

          Reply
  148. Katie jackson

    How long after approval does it take to receive the card?

    Also, am I to understand that there are no points accrued for balance transfer?

    Reply
    1. MileCards.com

      @Katie – It usually takes about a week, and yes there are no points accrued for balance transfers. We don’t recommend balance transfers on points cards because when you spend on them your new purchases get charged interest at the full ‘purchase’ rate until the full balance transfer is paid off. Try the Chase Slate with 0 fee and 0% rate for a balance transfer.

      Reply
  149. Zach

    If I make a payment before my points post do I lose them? For example if I spend 200 dollars, that is roughly 200 points but it hasnt posted yet and I want to make a payment. Do I have to wait until my points post before paying off my credit card?

    Reply
  150. Caroline V.

    I saw in FAQs that a credit score about 700 is required to get accepted for this card, and I was wondering if there is a limit requirement on other cards to be accepted for this card? I have cards with a limit of like $1000, is that going to make it hard to get accepted for this card?

    Thank you!

    Reply
    1. MileCards.com

      @Caroline – It may be challenging, but impossible to tell exactly ahead of time. Your income also plays a factor in the decision, among other things. If you are able to pay your other cards in full each month, are using less than 30% of their credit limits, and don’t plan to apply for other credit in the next few months, it might be worth a shot. Otherwise the no fee Chase Freedom tends to get more acceptance with lower scores and can help establish a history.

      Reply
  151. Tana

    I think I know the answer, but I was wondering…. do you earn points when you take money out of the atm or cash withdrawls from the bank?

    Reply
  152. Marty

    You say Sapphire Preferred card is a Visa by default. What does that mean? When asked what type of credit card you use do you reply Visa?

    Reply
    1. milecards

      @Marty – Yes. A while back some Sapphires were issued as MasterCards, but now the new ones are all Visa. The logo is embossed on the back of the card, so it’s easy to tell.

      Reply
  153. Marty

    You say Sapphire Preferred is a Visa by default. What exactly does that mean? Do you name it a Visa when giving credit card information?

    Reply
  154. Wells

    Can I use a balance transfer to satisfy the $3000 needed in the first 90 days to get the signing bonus points?

    Reply
    1. MileCards

      @Wells – Unfortunately no, that won’t count toward the spending needed. Would also add if you did a balance transfer any new purchases, even if you pay for them in full, will be charged interest until you fully pay down the balance transfer.

      Reply
  155. Doug Waltner

    We have 300,000 plus points on a British Airways executive club card. We have a lot of trouble finding flights we can use the points on. If we were to change to a United card, could those points be transferred, since both are with Chase?

    Reply
    1. MileCards

      @Doug – Sorry you’re having trouble redeeming the points. Have you tried searching on AA.com for flights? Basically anything there that shows as ‘MileSAAver’ is bookable with British Airways points by calling up BA.

      As for a United card, unfortunately you can’t transfer your points out of British Airways into other programs. But you can transfer points earned via a Chase Sapphire Preferred into your British Airways or United account.

      Reply
  156. Wayne Wallace

    We happen to have a car that is too old for collision insurance. We want to use a rental car when we travel. I have been told that I can use the Sapphire card at the rental agency. “But I do not carry collision on my car because of age” Does this create a problem? Suggestions welcomed. Never thought about this in the past as our motor home had collision.

    Reply
    1. MileCards

      @Wayne – For collision coverage you are fine, the credit card handles that when you reserve and pay for the rental using it. Liability insurance, which you probably have, is the one credit cards don’t cover. Of course always good to double check with Chase before hand to review the exact coverage items, but this is the situation in which the credit card is usually helpful.

      Reply
  157. Amy

    will chase saphire work for general purchases? Is it a visa or MC so that it is accepted locally at gas stations, grocery stores, etc.?

    Reply
  158. Amy

    Is the Chase Saphire credit card accepted as generally as any visa or mastercard or it is only used for travel, accommodations and dining? will my local grocery store, gas station, etc accept it?

    Reply
  159. Jeremy

    What happens if I don’t spend $3000 in the first 3 months? Is it a requirement to spend at least $1000 a month to own the Chase Sapphire Preferred?

    Reply
    1. MileCards

      @Jeremy – You only need to spend the $3,000 in the first 3 months to receive the 40,000 point intro bonus. There is no requirement for monthly spending to hold the card.

      Reply
  160. Jessie A

    Because of a series of mailing problems (neither my fault nor Chase’s) I have yet to receive my card after almost 2 months. When do I have to start spending to earn the sign-up bonus? I regularly spend around $1000 per month and would easily have managed $3000 in three months including some family birthdays, but it is now 2 months since I requested the card and I have been unable to use it. Does the 3 month period begin with sign-up, account opening, or account activation?

    Reply
    1. MileCards

      @ Jessie- Officially it’s from ‘account opening’ in the terms and conditions – but you should call Chase directly at the number on the back of the card to see if they will treat the activation date as the account opening date for you. Would imagine they’d be flexible given the circumstance.

      Reply

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