Chase Sapphire Preferred — Credit Limit, Score & Approval Odds (2026)
The Chase Sapphire Preferred is a travel card from Chase.
Based on 20 real reported applications, 75% were approved — median approved FICO 735, median starting limit $8.5k.
Chase Sapphire Preferred credit limit
Typical starting limit — 15 reported approvals
$8.5k
Middle half of reported approvals: $5k–$14k. Highest reported $50k. Chase publishes a $5k – $75k range for the card. Your personal limit depends on your profile — calculate your odds and limit →
The lowest limit reported to us is $5,000 — and 5 of the 15 reported approvals started exactly there.
Credit score needed for the Chase Sapphire Preferred
The issuer generally looks for a credit score of 670+. Approved applicants in our data had a median FICO around 735 (range 667–810).
Chase Sapphire Preferred approval odds
Based on 20 real applications reported for the Chase Sapphire Preferred, 75% were approved.
Approval rate
75%
20 reported apps
Approved
15
5 denied
Typical approved profile
735 FICO · 7% utilization · 2 recent inquiries — medians across 15 reported approvals. Lowest approved score on record: 667.
How the 5 denied applicants differed
Same medians as the approved profile above, for the applications that were turned down — so the gap is the story, not the raw number.
- Median FICO
- 668-67 pts vs approved
- Median utilization
- 42%+35 pts vs approved
Score alone doesn't decide it — the highest denied score on record, 699, is well above the lowest one we've seen approved. Utilization, recent inquiries and account age move the odds too.
Real reported Chase Sapphire Preferred applications
Anonymous data points from public forums — score, utilization and outcome. These are other applicants, not a personal estimate.
Chase Sapphire Preferred welcome bonus
Earn 75,000 pts after you spend $5,000 on purchases in the first 3 months from account opening.
Chase publishes no end date for this offer. It runs until the issuer replaces it, which can happen without notice — the terms you see on the application are the ones that bind.
Chase Sapphire Preferred APR
The ongoing APR is 21.49%–28.49% — variable with the prime rate, and your exact rate within that range is set from your profile at approval.
Chase Sapphire Preferred annual fee
The Chase Sapphire Preferred annual fee is $95, billed on the first statement and once a year after that.
Chase Sapphire Preferred requirements
- Suggested credit score
- 670+
- Min credit history
- 12 months
- Recommended utilization
- under 40%
- Recent hard inquiries
- up to ~5
- Chase 5/24
- Counts toward the 5/24 limit
- Credit limit range
- $5k – $75k
- Reports to
- Experian, Equifax
Chase Sapphire Preferred approval — FAQ
What credit score do you need for the Chase Sapphire Preferred?
Approved applicants in our data had a median FICO around 735 (range 667–810). The issuer generally looks for 670+.
What is the credit limit for the Chase Sapphire Preferred?
The Chase Sapphire Preferred issues limits from $5k to $75k. Across 15 reported approvals the median starting limit was $8.5k, typically $5k–$14k.
How to get approved for the Chase Sapphire Preferred?
Aim for a credit score around 670+, keep utilization under 40%, note this card counts toward Chase's 5/24 rule, have at least 12 months of credit history. If you're denied, you can request reconsideration at 1-800-453-9719 (24/7).
What are the requirements for the Chase Sapphire Preferred?
Suggested score 670+, at least 12 months of credit history, utilization under 40%, and up to about 5 recent hard inquiries. Reports to Experian, Equifax.
What are the approval odds for the Chase Sapphire Preferred?
Based on 20 real reported Chase Sapphire Preferred applications, 75% were approved. Approved applicants had a median FICO of 735 and 7% utilization. Denied applicants had a median FICO of 668 and 42% utilization. Your own odds depend on your full profile — the predictor scores it against this data.
What is the approval rate for the Chase Sapphire Preferred?
Of 20 reported Chase Sapphire Preferred applications in our dataset, 75% were approved — the lowest approved score we have on record is 667.
What is the welcome bonus on the Chase Sapphire Preferred?
Earn 75,000 pts after you spend $5,000 on purchases in the first 3 months from account opening. Chase publishes no end date for it — the offer runs until it is replaced.
What is the APR on the Chase Sapphire Preferred?
The ongoing APR is 21.49%–28.49%, variable with the prime rate and set from your profile at approval.
What is the annual fee for the Chase Sapphire Preferred?
The Chase Sapphire Preferred annual fee is $95.
See approval statistics across all cards — approval rates and starting limits by FICO band →
Will you be approved for the Chase Sapphire Preferred?
Enter your profile in the predictor for your personal approval odds and expected limit.
Calculate your odds and limitApproval data is crowdsourced from myFICO and verified clients, not the issuer. Not financial advice.