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Senior Contributor
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Registered: ‎10-02-2012
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what about the regular Chase Sapphire?

Can anyone who doesnt have a $30k annual income quaify or this card? and once approved can you PC to Preferred? ALSO I have ask how does it look? is it a plain cc look or does it have a Discover it or freedom texture to it? 


(EQ FICO ---) (EX FICO ---) (TU FICO ---) Gardening Since 07/15/15 For All 3 Credit Bureaus
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Valued Contributor
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Registered: ‎01-09-2012
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Re: what about the regular Chase Sapphire?

[ Edited ]

I got the CSP with a income below $30k but I also have a chase checking and savings accounts as well as freedom which I am sure helped. But I was at the branch and asked if I had any pre approvals and I had one for the CSP. So I apped and got it with a $5k limit five days after getting united. I have seen this card it looks just like the CSP jwith not made of metal


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
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Contributor
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Registered: ‎10-31-2012
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Re: what about the regular Chase Sapphire?


BearsAndTurtlesRtheBest wrote:

Can anyone who doesnt have a $30k annual income quaify or this card? and once approved can you PC to Preferred? ALSO I have ask how does it look? is it a plain cc look or does it have a Discover it or freedom texture to it? 


I believe the requirements are identical to the CSP (and I'm not certain that $30k is an absolute requirement for a $5k limit from Chase). I also believe they are interchangeable (I think people get the CSP and then downgrade to the CS to avoid paying the AF).

 

My boss has it: it's plastic but looks identical to the CSP, has a matte finish (I don't think it's texturized, but I think the letters are raised like the CSP), but the lettering isn't as reflective.

 

Rewards-wise, it's kind of meh unless you have an Ink Bold/Plus or Palladium card to consolidate/transfer points. It does not:

 

a) have a travel bonus category

b) give any option for point transfer or travel redemption (it is a flat 2% dining, 1% everywhere else card)

c) offer an annual dividend

d) offer the ability to combine Sapphire and Freedom points

 

It is purely a dining card, and an average one at that.

 

I believe that if it offered 1:1 point transfer and points consolidation, it would destroy the SPG card (for UA, BA/AA and WN flyers), even if they ditched the dining category and charged an AF of up to $65 for it. But the CSP is already going head-to-head with the PRG and SPG, so I suppose they don't really need it.

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Re: what about the regular Chase Sapphire?

@afbar1114 no $30k annual income and still approved? whoa first time i hear that. Thats great tho but like you said your checking and savings acct plus your freedom must of played a huge roll when determining approval. congrats and thanks for feed back.


(EQ FICO ---) (EX FICO ---) (TU FICO ---) Gardening Since 07/15/15 For All 3 Credit Bureaus
(EQ Inquiries --) (EX inquiries --) (TU Inquiries --) All of my 3 Credit Cards are Secured with a $300 Credit Limit.
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Re: what about the regular Chase Sapphire?


BearsAndTurtlesRtheBest wrote:

@afbar1114 no $30k annual income and still approved? whoa first time i hear that. Thats great tho but like you said your checking and savings acct plus your freedom must of played a huge roll when determining approval. congrats and thanks for feed back.


Where did you hear this $30k income minimum? 


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
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Senior Contributor
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Registered: ‎10-02-2012
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Re: what about the regular Chase Sapphire?

@kekrre Yeah thats what ive seen here in the forums they downgrade to CS to avoid AF. but yes completely agree CSP is the boss. Just wanted to know because my sister just reached her 1 year aaoa and want to see into getting prime cards like CSP Hyatt Visa Signature nothing else. Only two cards she wants.  THANKS


(EQ FICO ---) (EX FICO ---) (TU FICO ---) Gardening Since 07/15/15 For All 3 Credit Bureaus
(EQ Inquiries --) (EX inquiries --) (TU Inquiries --) All of my 3 Credit Cards are Secured with a $300 Credit Limit.
Senior Contributor
Posts: 3,919
Registered: ‎10-02-2012
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Re: what about the regular Chase Sapphire?

Ive read it here in the forums because why would they give a high CL with a small annual income? Right?


(EQ FICO ---) (EX FICO ---) (TU FICO ---) Gardening Since 07/15/15 For All 3 Credit Bureaus
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Valued Contributor
Posts: 2,296
Registered: ‎07-23-2012
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Re: what about the regular Chase Sapphire?


afbar1114 wrote:

BearsAndTurtlesRtheBest wrote:

@afbar1114 no $30k annual income and still approved? whoa first time i hear that. Thats great tho but like you said your checking and savings acct plus your freedom must of played a huge roll when determining approval. congrats and thanks for feed back.


Where did you hear this $30k income minimum? 


i personally read it on here. 

i have 28k income right now not factoring 2-6k quarterly bonuses. 

but i havent tried for this card.

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Senior Contributor
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Registered: ‎08-16-2012
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Re: what about the regular Chase Sapphire?

That's a good idea! Get a CSP for the usually HUGE sign up bonus... Then downgrade to avoid an AF!!!

This is a card I want in like 6 mos to a year! Lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
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Registered: ‎01-22-2012
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Re: what about the regular Chase Sapphire?


youngandcreditwrthy wrote:
That's a good idea! Get a CSP for the usually HUGE sign up bonus... Then downgrade to avoid an AF!!!

This is a card I want in like 6 mos to a year! Lol

The sign-up bonus is the only real reason to get the CSP if your income is 30k. Unless you can push through at least 20k a year, it's probably not worth it. For most people that would equate to an income of ~60k. If you're making less than that, a 2% no-AF cash-back card would be better.

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
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