How to Activate Chase Sapphire Preferred Card
1
Activate Online
Visit account.chase.com → log in → go to "Activate a Card" → enter the 16-digit card number, expiry, and CVV.
2
Activate via Chase Mobile App
Open the Chase app → tap "Manage" → select "Activate Card" and confirm your identity with Face ID or fingerprint.
3
Activate by Phone
Call 1-800-432-3117 (number on back of card) and follow the automated prompts with your card details and SSN last 4 digits.
4
Set Your PIN
After activation, set a 4-digit PIN via the app or at any Chase ATM for cash advance access.
Fee Structure
| Fee Type | Amount | Notes |
|---|---|---|
| Annual Fee | $95 | Charged on account anniversary |
| Foreign Transaction Fee | $0 | Free international purchases |
| APR (Variable) | 21.49%–28.49% | Based on creditworthiness |
| Balance Transfer Fee | 5% (min $5) | Of each transfer amount |
| Cash Advance Fee | 5% (min $10) | Plus cash advance APR |
| Late Payment Fee | Up to $40 | After due date |
Reward Points & Cash Back
| Category | Points Earned | Estimated Value |
|---|---|---|
| Dining & Restaurants | 3X Points | ~$0.045 per $1 spent |
| Online Grocery (excl. Walmart/Target) | 3X Points | ~$0.045 per $1 spent |
| Travel (via Chase portal) | 5X Points | ~$0.075 per $1 spent |
| All Other Travel | 2X Points | ~$0.030 per $1 spent |
| Everything Else | 1X Point | ~$0.015 per $1 spent |
| Sign-Up Bonus | 60,000 Points | Worth ~$750 via Chase Travel |
💡 Tip: Points are worth 25% more (1.25¢ each) when redeemed through Chase Ultimate Rewards® portal for travel.