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Chase Sapphire Preferred 4.99% promotional APR for existing customers - YMMV

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Chase has Promotional APR for 4.99% for Chase Sapphire Preferred starting from April 16th to Oct 31st 2021. This seems to be targeted offer sent through email. Added images

Has to be Activated through Email

https://creditcards.chase.com/rew.../preferred
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Chase Sapphire Preferred 4.99% promotional APR for existing customers - YMMV
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Created 04-13-2021 at 08:06 AM by chandu1256
in Financial Tools & Services (5)
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Joined May 2007
ƐƐoloʌɐᴉp
> bubble2 7,900 Posts
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diavolo33
04-13-2021 at 10:50 AM.
04-13-2021 at 10:50 AM.
Title says CSP, post says CSR. Either way, there's nothing hot about paying 5% interest on a credit card balance.
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chandu1256
04-13-2021 at 11:03 AM.
04-13-2021 at 11:03 AM.
Quote from diavolo33 :
Title says CSP, post says CSR. Either way, there's nothing hot about paying 5% interest on a credit card balance.

My bad will edit, it is preferred. It is 16%usually
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ƐƐoloʌɐᴉp
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diavolo33
04-13-2021 at 11:12 AM.
04-13-2021 at 11:12 AM.
Quote from chandu1256 :
It is 16%usually

Understood, but most people would agree it's best to avoid paying interest on a credit card balance. Either adjust spending and pay it down, or get a card with a 0% APR promo. Heck, if you have Ultimate Rewards (and you probably do if you have a CSP), redeem them for a statement credit before carrying a balance.
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chandu1256
04-13-2021 at 11:19 AM.
04-13-2021 at 11:19 AM.
Quote from diavolo33 :
Understood, but most people would agree it's best to avoid paying interest on a credit card balance. Either adjust spending and pay it down, or get a card with a 0% APR promo. Heck, if you have Ultimate Rewards (and you probably do if you have a CSP), redeem them for a statement credit before carrying a balance.
Agreed, but during these tough times not many can keep up with those payments and this will reduce the APR and also this needs manual activation
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ƐƐoloʌɐᴉp
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diavolo33
04-13-2021 at 11:23 AM.
04-13-2021 at 11:23 AM.
Quote from chandu1256 :
Agreed, but during these tough times not many can keep up with those payments and this will reduce the APR and also this needs manual activation

Certainly. Hopefully this saves people in that situation some money and helps them get out of their hole, without encouraging unnecessary spending.
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vastmax
04-13-2021 at 11:24 AM.
04-13-2021 at 11:24 AM.
I received the email and activated the offer even though I pay my cards off every week. Points life baby!!
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skimple
04-13-2021 at 11:25 AM.
04-13-2021 at 11:25 AM.
I agree that 5% interest is normally not a hot deal, but 0% balance transfer offers have been pretty hard to come by for the past year and there's no evidence that credit will be opening up soon.
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ƐƐoloʌɐᴉp
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diavolo33
04-13-2021 at 12:06 PM.
04-13-2021 at 12:06 PM.
Quote from skimple :
I agree that 5% interest is normally not a hot deal, but 0% balance transfer offers have been pretty hard to come by for the past year and there's no evidence that credit will be opening up soon.

You still need to be a CSP cardholder and be targeted for this, plus who knows what the criteria are. And I still think it makes much more sense to cash in URs than pay 5% and wipe out most, if not all, of their value.
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Last edited by diavolo33 April 13, 2021 at 12:09 PM.
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