The Chase Sapphire credit card is unlike almost any rewards card on the market. Most rewards credit cards offer benefits that are restricted to certain types of rewards, meaning that consumers are forced to use a specific card based on the type of rewards they want to earn. Not the Chase Sapphire card, because its Ultimate Rewards program is completely different than the restrictive rewards programs offered by other cards. In fact, Chase Sapphire is incredibly flexible in the rewards it offers. Sapphire cardholders are given the option to redeem their points for almost anything, including hotel rooms, airfare, shopping opportunities, gift cards and cold hard cash. Consumers who haven’t accumulated enough Sapphire Ultimate Reward points for the airfare they want can use a combination of cash and points to obtain what amounts to discounted airline tickets. There aren’t even any blackout periods for flights or hotel rooms obtained by redeeming Sapphire’s points.
It gets even better. The flexibility of Chase Sapphire’s rewards program is far from the only benefit provided by this groundbreaking credit card. Sapphire awards a more-than-generous 10,000 points the first time a cardholder uses it to make a purchase. That’s a sign-up incentive that may be unmatched by any other rewards card.
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The Chase Sapphire credit card uses a points system similar to that used by many rewards cards, with each dollar spent yielding one Ultimate Rewards point. That’s where Sapphire’s Ultimate Rewards point system stops being typical, however. Cardholders earn double points on travel bookings made through the on-site travel booking tool, and an online shopping mall provides the opportunity to earn up to ten points per dollar spent with more than 300 participating retailers. Points earned by using a Chase Sapphire card never expire, and there is no limit on the number of points that can be accumulated by a cardholder. With so few restrictions, Chase Sapphire is simply the ultimate in rewards card flexibility and earning ability.
Other important benefits of the Chase Sapphire rewards card include reasonable fees and fair interest rates on cash advances as well as outright purchases. There’s no annual fee, and Chase Sapphire’s overall costs are competitive if not better than other rewards cards which offer fewer benefits.
In exchange for its reasonable costs, Sapphire offers the ultimate in rewards. But it also includes direct 24/7 access to customer service and a complimentary personal concierge who can provide advice on restaurants, hotels and entertainment options. The concierge can even help you choose the perfect gift. And live people are on the other end of your telephone call, not some taped recording or complicated voice mail menu system.
The Chase Sapphire card is intended to be somewhat exclusive, and it’s likely that only about 15% of American households will qualify to participate in the program. But with all its benefits, the Chase Sapphire credit card is well worth it.
