Chase Sapphire Card Review: A great compliment to the Freedom Card

Chase Sapphire Card Review

Picture of Item Reviewed
Editor's Rating:
Intro Purchase APR Regular APR Annual Fee Credit Needed
N.A. $0 Excellent
Executive Summary - There are two Sapphire Cards and this version has no annual fee
The Chase Sapphire® Card is the latest "revamped" rewards card line up from Chase. From what I can see in the reward program, I think Chase has a winner here. Check out this long review below.

How to Earn Points - The Chase Sapphire® Card allows you to earn one point for every dollar that you spend on the card. Reward points do not expire and you can earn unlimited points. As a sign up bonus, you will get 25,000 bonus points after you spend $3,000 within the first three months. The Ultimate Rewards program also allows you to book travel tickets through their online travel system and if you choose to use that, you will earn 2 points for every dollar that you spend on the card. You will also earn double points from dining (from fast food to fine dining as Chase puts it). They also have a shopping portal where they have many online merchant partners. Using your card and shopping through their portal could earn up to 10 points for every dollar that you spend.

Rewards - The reward program for the Chase Sapphire® Card is the Ultimate Rewards. It is a rewards program that offers travel rewards, merchandise, gift cards and other rewards. We'll now go through the rewards.

Travel Rewards - There are a few ways to redeem travel rewards for the Chase Sapphire program. You can use their online travel site and book your flights, hotel stays, car rentals, cruises etc (just like you would with Expedia.com or Travelocity.com). Their travel site should be the same as these online sites with access to most flights and hotels. If you do it this way, you can get earn 2 points for every dollar you spend. By doing it this way, you could also either pay by points or pay by points and cash (from your credit card off course). 100 points is worth $1 (which is pretty standard).

You could also book your travel with other online sites or even off line travel agents. After you have done the bookings, you will just have to inform Chase and you will get a statement credit.

You can also use your points to exchange for gift cards. You can exchange points for Continental OnePass, United Mileage Plus, SouthWest and British Airways gift cards as well as other hotel gift cards. Below is a screen shot of some of their partners.
ultimaterewardsairline ultimaterewardshotel ultimaterewardscarrental

Gift Cards - The Ultimate Rewards also allows you to exchange points for gift cards as well. Below is a screen shot of their merchant partners.

ultimaterewardsgiftcard1 ultimaterewardsgiftcard2 ultimaterewardsgiftcard3

Online Merchant Partners - The Ultimate Rewards Program for the Sapphire Card allows you to earn extra points (up to 10 points) for every dollar that you spend with their online merchant partners. Below is a screen shot of their partners. I got this from my Freedom Card which gives you rebate (or discount) rather points. But the partners are the same.

ultimaterewardsmerchants1 ultimaterewardsmerchants2 ultimaterewardsmerchants3 ultimaterewardsmerchants4 ultimaterewardsmerchants5 ultimaterewardsmerchants6 ultimaterewardsmerchants7 ultimaterewardsmerchants8

Merchandise and other stuff - The Ultimate Rewards program also has tons of merchandise and you can also donate your points to charities. But there are just too many rewards to list them all here.

Fees - The Chase Sapphire® Card has no annual fee.

Verdict - There are a few things I like about this card. Firstly, as far as travel goes, there are a variety of ways to redeem points for travel. You can book through their site and earn double points (just like Amex charge cards - but without the annual fee). You can also book your travel with any travel agent (online or offline) like the Discover Miles and Escape Card. So this card is pretty flexible in the way it allows you to redeem points for travel. You could also exchange points for gift cards of United, Continental, SouthWest and British Airways.

Their other rewards like gift cards and shopping partners is pretty comprehensive as well. I would recommend the Chase Sapphire® Card to folks to want to use their cards for travel and also other rewards but are not hardcore frequent fliers. It has great flexibility in the way you can redeem points for travel. On top of that, there is no annual fee, you can earn unlimited points which do not expire.