Chase Sapphire Card Review

This is my Chase Sapphire Card review. The Chase Sapphire credit card is a new card offering from Chase Bank.

Mrs. PT often travels with me when I go off to a distant land to perform my full-time job duties. My airfare is covered by my company through a corporate credit card. But we have to personally fork over the funds for her ticket. We make sure and take advantage of any airline miles we can get. And we also like to maximize our credit card reward points for such a big purchase.

In the past we’ve used a Bank of America / American Express credit card, which for a limited time gave us 2 points for every dollar spent on travel. Since that option has expired, I’m looking around for another card to help us max out our travel rewards. The Chase Sapphire℠ Card looks like a good card to consider.

The Chase Sapphire Card does not have an annual fee. This is the first thing I usually look for in a card: “will they charge me for simply having the card?” How some cards get away with this I don’t know. Anyway, the Chase Sapphire card does not have an annual fee.

With this card you get a baseline of 1 point for every dollar spent. That’s pretty standard right now.  But what isn’t standard is the extra point (for a total of 2 points per dollar) earned for dining purchases. Barring any type of issues with this travel tool, this looks to be a good deal for heavy travelers. For example, every $10,000 in airfare annually would get you 20,000 points (or $200).

The best part about this card might be the 10,000 point bonus (this equates to $100). All you have to do to get the $100 bonus is sign up for the card, get accepted, use the card for $500 in purchases during the first three months , and then “allow 6 to 8 weeks for bonus points to post to your account.”  The points can be redeemed for a $100 gift card, not cash back.

Chase has a Travel Booking Tool that you must use to get the 2 points per dollar. And here’s how Chase suggests booking your reward travel once you’ve earned your points:

“If you find a low-priced airline ticket anywhere online, simply visit our Travel Booking Tool, search for that same ticket and book it with points for the same low price.”

Some of the features of the Chase Sapphire Card:

  • Earn $100 in rewards – that’s 10,000 bonus points after $500 in purchases during the first three months!
  • Redeem points for travel, gift cards, merchandise, cash back and more
  • 2X points earned on dining & 1 point for every dollar spent on all other purchases
  • Points never expire and there are no limits on how many points you can earn
  • 24/7 Dedicated service advisers (No voice recording)
  • Premier travel and purchase protection benefits
  • All of this for no annual fee!

It should be noted that I don’t use credit cards from month to month so I don’t factor in APR in my reviews. I only care about points and fees.

The bottom line on the Chase Sapphire℠ Card is that it looks to be a great travel rewards credit card for the heavy traveler and the occasional credit card bonus chaser.


Apply for the Chase Sapphire℠ Card

“Disclaimer: This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program.”

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Last Edited: May 9, 2013 @ 5:06 pmThe content of is for general information purposes only and does not constitute professional advice. Visitors to should not act upon the content or information without first seeking appropriate professional advice. In accordance with the latest FTC guidelines, we declare that we have a financial relationship with every company mentioned on this site.
About Philip Taylor

Philip Taylor, aka "PT", is a CPA, financial writer, podcaster, FinCon Founder, husband, and father of three. He created PT Money back in 2007 to share his thoughts on money and to meet others passionate about managing their finances. All the content on this blog is original, and created or edited by PT. Read more about Philip Taylor, and be sure to connect with him on Twitter, Facebook, or Google+. Listen to the new podcast, Masters of Money!


  1. Chase’s travel booking tool sounds great.. I wonder if it really saves their cardholders money when purchasing travel through it..?

  2. Agreed, CCC.

  3. The Chase Sapphire is a good card and you are spot on in your recommendation of who the best person for the card is…