Chase Sapphire℠ Card

The Chase Sapphire SM Card is a unique credit card in that it does not show the Visa or MasterCard logo, but can be used anywhere the two card types are accepted.

The card is designed to reward consumers for shopping, traveling, and dining by awarding a point for every dollar spent. This can change to 10 points for every dollar spent when the cardholder uses their card with specific vendors.

The APR is a variable APR that can change based on what sort of tasks are performed with the card. The rate can increase or decrease based on tasks such as cash advances, balance transfers, delinquent payments, and overdrafts.

There are no annual or monthly fees with this card.

There is a charge for balance transfers, which is a percentage of the transfer, but no less than a few dollars. There are also late payment fees and an over the limit fee. An international transaction fee is charged when using the card internationally. This fee is a certain percentage of the amount of the dollar amount of the purchase. Chase does reserve the right to change these fees at any time for any reason, but not without notification to the consumer.

Each card member earns rewards with each purchase. These rewards come in the form of points and these points can be redeemed for gift cards, entertainment, and cash back. The points never expire, so it is possible to accumulate points for a long period of time.

Millions of retailers around the world accept the Chase Sapphire. Chase offers a number of security measures to ensure that cardholders stay safe. When accessing an account online, a consumer is protected via Chase’s use of Secure Socket Layer (SSL) technology that encrypts personal information so that it cannot be viewed by a third party.

Fraud protection is also available for those who believe they have been the victim of fraud. Suspected fraud can be reported via telephone or email.

A consumer does not already need to be a Chase customer to apply for this credit card. However, applicants must be a United States resident in order to apply. The application consists of questions regarding any past bankruptcies or recent credit issues, as well as identifying information that ensures the applicant is who they say they are. Overall, the application process is relatively simple and to the point.

Approval may be instant or subject to additional review.