Comments on: Chase Sapphire Card Review: A Credit Card For The High Roller In You

By: Carolyn

Carolyn — Mon, 07 Jun 2010 05:06:19 +0000

I agree with A.C. – I’m looking to find a new credit card (two actually) for my husband and I after being fed up for the last time with BOA Alaska Airlines Visa cancelling our cards WITH ZERO NOTICE yet again due to info being “compromised.” I was ready to go with the Sapphire but am glad I saw these recent reviews. I suppose I should get us AMEXs and keep my Chase Visa Slate for emergencies (which by the way I was “automatically upgraded” to a few months ago when Chase decided I didn’t need my Starbucks Visa and its perks anymore, which really irked me).

By: A.C.

A.C. — Mon, 17 May 2010 17:12:35 +0000

Wow…afer reviewing all the comments about the Sapphire upgrade and the way customers were treated, I think I’ll go with the AMEX.
Thanks for the input!

By: Thomas

Thomas — Thu, 22 Apr 2010 09:12:49 +0000

I had a similar experience to Suing. For years, my primary card has been the Chase Rewards card where I would get 5 points for gas, grocery, and drugstore purchases and 1 point for other purchases. Last fall, I was “upgraded” to Sapphire. However, when I read the fine print, I found that the “upgrade” only gave me 1 point for every purchase (although the points wouldn’t expire). I called them up and declined the “upgrade” saying that I would prefer the card I had. However, about a week ago, I got the Sapphire card in the mail. I called customer service and they told me that they had sent me a notice in February (even though I had called them last fall and specifically declined the Sapphire card) where I would be automatically upgraded to Sapphire if I didn’t cancel it by March 15. Since I hadn’t done it, there was nothing I could do about it. I read all of my mail and I did not get this letter telling me about the upgrade. I told them that I never got the second letter telling me about the upgrade but they told me that they sent it and I couldn’t decline it now. I was quite upset about the way it had been done. I had specifically declined the upgrade last fall and then they claimed that they had sent me a letter where, if I do nothing, I lose the card I had. The letter should require me to upgrade rather than to opt out. I asked Chase to send me a copy of the letter that I never got and they said that they would. I just got a letter from Chase saying that “unfortunately, we are unable send (sic) you copy of the letter sent on February 17, 2010.” They don’t explain why they can’t send it. Perhaps their xerox machine is broken. After being a loyal customer to Chase for more than ten years (and apparently having a stellar credit rating), I am quite upset at the way I was treated. “Even kids know its wrong to give people the run-around.” Anyway, Chase has lost a lot of my business since I just applied for an American Express card last night. The Amex card has better features than the Sapphire Card and will be my primary card in the future.

By: Barb

Barb — Sat, 10 Apr 2010 19:53:54 +0000

I fell for a promise of 20,000 points because I had an upcoming vacation. Signed up in January and still hadn’t receive the points in April. Called/wrote and was told different stories by different people. Finally someone who sounded like she knew what she was talking about said that they points would transfer after the billing cycle on April 6. No points. Called today and a very nice gentleman told me that the points transferred “6 to 8 weeks after the promotion ended, which was in late March.” I asked why nowhere on the promotion did it explain this. “It should have,” he said. He apologized and said he was sorry he couldn’t help me. I told that that he could, by letting Chase Visa know that honestly about this policy would have resulted in customer satisfaction. Now I plan to get the points (someday), use them, and cut up my card in tiny pieces (PS vacation is on Wednesday).

By: Suing

Suing — Sat, 10 Apr 2010 03:46:47 +0000

I received the sapphire card in the mail yesterday and after reading through the literature, I too decided, like Powers who blogged earlier, that it is not as good as the Freedom card which awards $250 for each $200 cash-back earned. So I called customer service and guess what? THE ACCOUNT MANAGER SAID I WAS NOT ALLOWED TO CONVERT BACK! I HAD TO TAKE IT because apparently Chase had sent me a notice in the mail and given me until 3/15 to decline, and since I did not decline, now I can’t do anything about it! That’s totally ridiculous. First, I don’t remember getting such a letter. Secondly, even if I had gotten it, it should have been an automatic non-acceptance unless responded to. This is Chase’s ugly way of trying to get out of paying the $50 cash bonus on big-spending accounts!

Has anyone else experienced this? What was done? I’m steaming! I would rather cancel the card than to be treated this way — and we’re supposed to be their treasured customers??!! Chase’s inflexibility will cost it my business, how does that make sense for a CC business?

By: Alex

Alex — Thu, 08 Apr 2010 10:00:27 +0000

I got the preapproved letter for this card with a little less than 1 year of credit history in US, 1 secured card before that, low utilization.
I guess they consider income mainly, and less the credit score.

The card is great, except maybe one thing:
It does not report the credit limit. I got hit hard in the CreditKarma credit score the first month I used the card, because I assumed that its credit limit (it has one on the statement, they claim no penalty for going over) will be reported.
So be aware.

By: VMA

VMA — Mon, 22 Feb 2010 19:12:23 +0000

Chase automatically upgraded my existing Chase Visa August 2009 with the new Sapphire Card @ 6.99% interest which still holds. I called customer service to ask Chase why I recieved this card and what the catch was and was told there was no catch. Was a very pleasent customer service call! I have used the card for six months now, keep it paid off and my interest rate has remained the same. I love this card!!

By: Bryan Blumberg

Bryan Blumberg — Mon, 30 Nov 2009 04:55:15 +0000

Is anybody willing to state how much travel accident insurance is given with this card?

By: Kaspa K Hine

Kaspa K Hine — Wed, 25 Nov 2009 21:06:31 +0000

Got the card recently and I am not sure it is as good as the hype. My previous Chase card got automatically upgraded to this one. The previous one provided 3% cash back on gas and 1% on other purchases. The cash back was directly credited in the next billing cycle. The point system is equivalent to about 1% cash back for normal purchases. You have to keep track of promotions, online merchants through chase website, etc. to get higher points, which is a big hassle for me. The cash does not automatically credit to your account and you have to remember to ask a check. For redemption of points to purchase items through the chase shopping website, I noticed the prices were substantially higher than the best ones I can find within couple of minutes of websurfing. I may cancel or just minimize use. Like my American Express card much better, if only it was universally accepted.

By: Dae Lee

Dae Lee — Mon, 23 Nov 2009 23:23:19 +0000

I was just converted from my Chase Freedom card to the Saphire. I logged in to my account to check out the rewards and saw that my normal reward of a $200 check (Chase writes me $250 check so $50 is free) was not available. I called them and had them convert me back. I’d rather get 3% back in the top three categories, then cash out $200 in rewards for a $250 check and then shop for my own deals then have to purchase anything through a rewards program. I carry the Chase rewards card too just for gas purchases because it gives 3% back on these transactions.