- Centurion Member
- Posts: 875
- Joined: Thu Apr 30, 2009 2:32 pm
- Location: Texas
I don't know if I would take what they say about the reasons for the denial too seriously. I've read that the Sapphire card is targeted at individuals with incomes of $120k and above.
If you gave them your income and it wasn't at least that, that could be a reason. That said, I got the Sapphire card immediately after the first mailing about it that I got from Chase. This was way before they flooded the airwaves with advertising. I had a long history with Chase and the Freedom card, and I got the Sapphire card without any problem, even though my income is below their target. If I had to apply for one out of the blue, I don't know if I would get it.
All that said, unless you travel a lot, the Sapphire card isn't the best card for you, probably. Freedom rewards are much more generous, in my opinion. And there are other options out there depending on your spending habits and whether you're willing to juggle two or more cards to maximize rewards.
However, if you place a premium on customer service, placing it above rewards and low interest rate, then the Sapphire is worth considering. Sapphire customer service is way better than what you get from the other Chase cards. I think it beats Amex and Discover, too, not to mention Citi, HSBC, et al.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).
*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.