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Is the Chase Sapphire Preferred a Mastercard or Visa?

by on Tue May 22, 2012 • 11 Comments

Good question, because the application doesn’t say which it is.

The answer…it’s generally a Visa Signature by default, though that can change at any time as Chase does not actively market the card as a Visa or MasterCard.

Why would you prefer one over the other?

Well Visa tends to have slightly more worldwide acceptance, but some like MasterCard for things like being able to shop at Sam’s Club.

There are also many Visa Signature benefits. The Visa Signature offers upgrades and free breakfast at many hotels in the Visa Signature Collection.

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Chase Sapphire Preferred® Card

Miles dont expireas long as card is open
Learn more

Partner Offer

50,000 bonus points

Intro Offer

$0 introductory annual fee the first year, then $95

Annual Fee


Foreign Transaction Fee Waived

Yes - transfer to United MileagePlus, Southwest Rapid Rewards, Marriott Rewards, and more

Points Can Transfer to Airline Miles ?

Still confused? Have a question?

Leave a comment below -- we'll reply shortly -- no need to use your real name. Or, use the email form at the top of the page for private advice.

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11 thoughts on Is the Chase Sapphire Preferred a Mastercard or Visa?


      @Curtis – Check the back of your card. If it says Visa you can use it anywhere Visa is accepted. If it says MasterCard you can use it anywhere MasterCard is accepted.

  1. James V Luisi

    When using the card for online purchases, if the merchant does not accept Visa does that mean the card will not work?

    When given a choice do we select Visa for online purchases? Will that work?


      @James – Take a look at the back of your card. If it has a Visa logo you can select Visa for online purchases.

    1. MileCards

      @Randy- There are a number of answers to that.

      For a basic domestic ticket that costs $300 in cash expect to pay about 21,000 – 25,000 miles. You can transfer points to Southwest and get that for 21,000 points (every $100 in Southwest flight value needs 7,000 points). Or, just buy the ticket on any airline via Chase’s online booking tool (it works like Travelocity or Expedia with the same prices) and a $300 ticket costs 24,000 points. For more expensive tickets, consider transferring to United where they start at 25,000 miles. But sometimes you’ll find tickets that cost you $500+ can be had for 25,000 United miles.


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