The Chase Sapphire Most popular® Card and its ultra-premium sibling, the Chase Sapphire Reserve®, are two of the most well-liked rewards bank cards in the marketplace. However do you know there may be additionally a no-annual-fee model of those playing cards?
The no-annual-fee Chase Sapphire Credit score Card is not open to new functions, however you may request a product change to this card by calling Chase.
Here’s a have a look at what it may possibly provide.
The data for the Chase Sapphire Credit score Card has been collected independently by The Factors Man. The playing cards particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Card particulars for the no-annual-fee Sapphire card
The Chase Sapphire is a watered-down model of the Chase Sapphire Most popular (with no incomes on journey spending, though the Sapphire Most popular card affords 3 factors per greenback on eating).
Incomes charges
- 5 factors per greenback on Lyft (till Mar 2025)
- 2 factors per greenback on eating
- 1 level per greenback on all different purchases
Advantages
Insurances and Protections
Is it price it to downgrade to the plain Sapphire card?
A standard technique for Chase Sapphire Most popular or Chase Sapphire Reserve cardholders who’re eligible for a brand new bonus after 48 months is to downgrade to a no-annual-fee Chase card earlier than re-applying to earn the bonus once more.
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Nonetheless, keep in mind that Chase solely lets you might have one Sapphire card at a time. If you happen to downgrade to the Chase Sapphire, you doubtless will not be eligible to use for a Chase Sapphire Most popular or Chase Sapphire Reserve. On this case, it would not make sense to downgrade to this card.
If you happen to at present have a Chase Sapphire Most popular or Chase Sapphire Reserve that you just simply cannot justify the annual payment for anymore, it could be tempting to downgrade your card to the no-annual-fee Chase Sapphire Card to get the naked minimal of advantages. Nonetheless, there are additionally different Chase no-annual-fee bank cards that might make extra sense.
Higher downgrade choices
Chase affords three rewards-earning, no-annual-fee bank cards you may downgrade to from the Chase Sapphire Most popular and Reserve:
and one card that does not provide rewards:
The Chase Freedom Limitless affords 1.5% again on purchases, making it an amazing choice for on a regular basis spending.
The Chase Freedom and Freedom Flex are rotating-category playing cards that supply 5% on quarterly classes ($1,500 cap on bonus spending every quarter you enroll). The Chase Freedom Flex additionally affords 5% money again on Chase Journey, 3% on eating, together with (eligible takeout and supply) and drugstores, and 1% on all different purchases.
If you’re trying to downgrade your card as an alternative choice to canceling however do not plan on utilizing the cardboard typically, the Chase Slate is another choice. It would not earn rewards and would not include a sign-up bonus, so that you would not be sacrificing a possible bonus by downgrading. Make sure you use any Final Rewards factors left in your account, or you could possibly lose them.
The data for the Chase Freedom and Chase Slate has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Backside line
Sure, there’s a no-annual-fee Chase Sapphire card on the market. However 99% of the time, you will be higher off sticking with one of many Chase Sapphire playing cards that cost an annual payment or one of many Chase Freedom playing cards as a result of enhanced advantages and better earnings charges.
Associated: Fast Factors: Switch Chase Final Rewards factors earlier than downgrading your card
