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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’s additionally a no-annual-fee model of those playing cards?
The no-annual-fee Chase Sapphire Credit score Card is now not open to new functions, however you’ll be able to request a product change to this card by calling Chase.
Here’s a have a look at what it may possibly supply.
The knowledge 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 supplied 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 presents 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
- Entry to Chase Journey℠, however no redemption bonus like the opposite Sapphire playing cards do. Nor will you be capable to switch factors to companions — except you even have Ink Enterprise Most popular® Credit score Card.
- Complimentary DashPass membership for no less than one 12 months (whenever you activate by Dec. 31),
Insurances and Protections
- Journey cancellation/journey interruption insurance coverage
- Baggage delay insurance coverage
- Roadside dispatch
- Auto rental collision harm waiver
- Journey delay reimbursement
- Misplaced baggage reimbursement
- Journey and emergency help companies
- Journey accident insurance coverage
Is it price it to downgrade to the plain Sapphire card?
A typical technique for Chase Sapphire Most popular or Chase Sapphire Reserve cardholders who’re eligible for a 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.
Nevertheless, keep in mind that Chase solely lets you may have one Sapphire card at a time. When you downgrade to the Chase Sapphire, you possible gained’t be eligible to use for a Chase Sapphire Most popular or Chase Sapphire Reserve. On this case, it doesn’t make sense to downgrade to this card.
When you at the moment have a Chase Sapphire Most popular or Chase Sapphire Reserve that you just simply can’t justify the annual charge 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. Nevertheless, there are additionally different Chase no-annual-fee bank cards that might make extra sense.
Higher downgrade choices
Chase presents three rewards-earning, no-annual-fee bank cards you’ll be able to downgrade to from the Chase Sapphire Most popular and Reserve:
- Chase Freedom Limitless®
- Chase Freedom Flex℠
- Chase Freedom (now not open to new candidates)
and one card that doesn’t supply rewards:
- Chase Slate
The Chase Freedom Limitless presents 1.5% again on purchases, making it an awesome choice for on a regular basis spending.
The Chase Freedom and Freedom Flex are rotating-category playing cards that provide 5% on quarterly classes ($1,500 cap on bonus spending every quarter you enroll). The Chase Freedom Flex additionally presents 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 different to canceling however don’t plan on utilizing the cardboard usually, the Chase Slate is another choice. It doesn’t earn rewards and doesn’t include a sign-up bonus, so that you wouldn’t be sacrificing a possible bonus by downgrading. Make sure you use any Final Rewards factors left in your account, or you can lose them.
The knowledge 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 supplied 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’ll be higher off sticking with one of many Chase Sapphire playing cards that cost an annual charge 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