JPMorgan Chase Bank, National Association Sapphire Preferred

Nationwide

Availability

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Web

chase.com

Phone

(800) 493-3319

Purchase interest rate and fees

20.49% – 27.49%*

*As of Dec. 31, 2024. Advertised purchase APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
720+	25.49%	2 dollar sign symbols Pay average interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee: None
Minimum finance charge: No minimum interest payment is required to avoid additional fees
Grace period: 21 days until interest begins to accrue on purchases
Balance computation method: Monthly interest is calculated based on your average daily balance including new purchases
Purchase APR index: The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$95

Late fee: $29 for the first late payment and $40 for a late payment within six billing cycles of another late payment
Over-limit fee: None
Chase Pay Over Time: $0 (The Chase Pay Over Time Fee for plans set up after purchase is a monthly fee of up to 1.72% of the amount of each eligible purchase transaction or amount selected to create a Pay Over Time plan. The Pay Over Time Fee will be determined at the time each Pa)
Return payment fee: $40 (While a fee is disclosed, it is not currently being charged for this product. We may charge this fee if a payment is not honored, is returned unpaid or cannot be processed.)

Rewards and perks

Cash back and travel

Services

Access to Free Credit Scores
Automobile rental insurance
Discounts on purchases of goods and services (non travel related)
Extension on manufacturer’s warranty

Card features

Contactless Payments
Chip card
Fee-free foreign transactions
Mobile wallet provisioning (for example, Apple Pay)

Did you know: If you carry a balance on your credit card, interest and fees typically exceed the value of any rewards earned. Learn why rewards may not be as beneficial as they seem.

Balance transfer interest rate and fees

This card does not offer balance transfers.

Cash advance interest rate and fees

29.24%*

+

5% ($10 minimum)

*As of Dec. 31, 2024. Advertised cash advance APRs change over time. Check rates before applying.

The cash advance fee is charged for each cash advance.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.