Welcome to a

better cardmember
experience.
Explore the many benefits of your new
Chase Sapphire Preferred card.
SM
 Welcome to
Chase Sapphire PreferredSM
You’re about to enjoy the cardmember experience
that gives you more. More points, more value, and
more versatility. Chase Sapphire PreferredSM with
Ultimate RewardsSM was created to provide you with
the higher level of services and benefits that you
should expect from a card. Use your card virtually
anywhere and enjoy the financial flexibility of no
preset spending limit.

There are many unique benefits to your Chase

Sapphire Preferred card. For starters, your points are
simply worth more - 25% more when you redeem
for airline travel. You can transfer points at full value
(1:1) to select airline frequent flyer and hotel guest
programs. Plus, you’ll receive a 7% annual dividend
on all new points earned.

You’ll enjoy direct access to dedicated service

professionals, a single intuitive website for all
your rewards and travel needs, and benefits that
cover anything from lost luggage to emergency
assistance – 24/7. You won’t have to deal with
travel restrictions or blackout dates either. We offer
you these benefits because they matter to you.

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Table of Contents

Ultimate RewardsSM 4
Travel Rewards
Rewards Beyond Travel
Unlimited Point-Earning Potential

Personalized Service 8
Dedicated Service Line
Chase Global LifeLineSM
Online Account Management

Powerful Travel Benefits 9

Trip Cancellation Insurance
Travel and Emergency Services
Travel Accident Insurance
Trip Delay
Lost Luggage Reimbursement
Baggage Delay
Roadside Dispatch
Auto Rental Collision Damage Waiver
ATM Locations

Purchase Protection & Security 11

Identity Theft Protection
Zero Liability
Purchase Protection
Extended Protection
Price Protection
Return Protection

Financial Flexibility 13
Global Acceptance
No Preset Spending Limit
Online Year-End Summary
Add Authorized Users
Automatic Monthly Payment
Payment Dates
BlueprintSM

Rules and Regulations 17

Contact Information 19

Dedicated Service Line: 1-800-493-3319 2

3 www.chasesapphirecard.com
It’s not another
rewards program.
It’s everything a rewards
program should be.
As a Chase Sapphire Preferred cardmember, you have
access to Ultimate Rewards – Chase’s premier rewards
program that gives you more of everything that’s most
important to you. Extraordinary travel. Unique experiences.
And limitless rewards. Created to complement your life and
passions, it’s everything a rewards program should be.

You’ll enjoy limitless point-earning potential and points

that never expire. Then redeem your points with a fresh
perspective. Your points can be used for just about anything
including airline travel with no restrictions or blackout dates.
If there’s a seat available, it’s yours. Or turn your points into
unforgettable memories with once-in-a-lifetime experiences.
The way we see it, your rewards program should cater,
not compromise.

Dedicated Service Line: 1-800-493-3319 4

 Travel Rewards, not travel
restrictions.
No Travel Restrictions. Redeem points for airfare to
or from any destination, on any date, for any class or
airline. Reserve through the Ultimate Rewards online
Travel Booking Tool or call a Chase Sapphire Preferred
service advisor. If you can’t find what you’re looking for,
simply book through any travel service with your Chase
Sapphire Preferred card and pay yourself back using
points.1 If there’s a seat available, it’s yours.

Your Points Are Worth More. Your points are worth

25% more when you redeem for airline travel through
Ultimate Rewards. That means a flight that normally
required 35,000 points can be yours for only 28,000.

Partner Point Transfer. Transfer your points at full value

(1:1) to the frequent flyer and hotel guest programs of
British Airways, Continental Airlines, Marriott Hotels &
Resorts® and InterContinental Hotels Groups.

Click and Go. Enjoy ultimate convenience with our

online Travel Booking Tool. This one-stop, self-service
tool can assist you in planning each step of your trip.
In addition to booking flights, you can browse and
reserve hotels, car rentals, airport parking and more.

Fly Now. Enjoy travel even if rewards points alone can’t

get you there. Simply redeem the number of points you
wish to use, and pay the rest with your Chase Sapphire
Preferred card.

Rewards beyond travel.

Pay Yourself Back. Found something you simply can’t live
without? Make that purchase with your Chase Sapphire
Preferred card, and within 60 days, you can redeem
available points for a credit on your statement, starting at
2,500 points for a $25 credit.1

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Gift Cards and Merchandise. Treat yourself or someone
else with the perfect gift. With a variety of popular brands,
you’ll always find the right card. Plus, enjoy access to
millions of products from top brands in sporting goods,
electronics, kitchenware and more.

Exclusive, unforgettable experiences. Enjoy cardmember-

only access to extraordinary travel opportunities and once-in-
a-lifetime events that can change how you see entertainment,
sports, cuisine, and more.

Dining Experiences. With Ultimate Rewards, reserving a

table at a great restaurant couldn’t be easier. Read ZagatSM
reviews and ratings, and then book a table instantly from
over 10,000 restaurants worldwide through OpenTable®.

Unlimited Point-Earning.
Just imagine it.
No Caps or Expiration Dates. There are no limits to how
many Ultimate Rewards points you can earn, and your points
never expire. Points remain in your account as long as you
remain a cardmember and your account is not in default.

Everyday Earn. You’ll receive one point for every dollar

you spend on your card—so every purchase counts.2

Double Points. Earn two points for every dollar you

spend on airfare purchases with your card through
the Ultimate Rewards online Travel Booking Tool.2

Bonus Points. Access your favorite online stores in

one convenient place and earn up to 10 bonus points
for every dollar spent anytime by shopping with your
card at the Ultimate Rewards Mall. 3

7% Points Dividend. Chase Sapphire Preferred

will automatically award you a 7% annual dividend on
all new points earned. That means more points on all
the points you earn each year to get you closer to your
next reward. 2

Dedicated Service Line: 1-800-493-3319 6

7 www.chasesapphirecard.com
Service that’s
actually personal.
Your time is valuable. That’s why prompt, professional
service is just a phone call away. From billing statement
questions to emergency assistance, you can expect the
highest level of service anytime, any day, from anywhere.

Dedicated Service Line. For direct access to

a real person 24/7, just call the number on the
back of your card. You’ll be connected to a
Chase Sapphire Preferred customer service advisor
immediately – without pressing “0.” Guaranteed.

Chase Global LifeLine.SM Whether you’re traveling

within the U.S. or abroad, emergency service assistance
is available to you around the clock. The Global LifeLineSM
can assist when your card won’t work, is lost or stolen,
or when other travel-related emergencies arise.4

Online Account Management. Managing your Chase

Sapphire Preferred account online is a convenient
and secure way to take advantage of your benefits.
For example, view account activity, set up account
alerts, view your reward points balance, or enroll in
paperless statements.

Dedicated Service Line: 1-800-493-3319 8

 Powerful travel benefits that
make you feel right at home.4
No matter where your travels take you, Chase Sapphire
Preferred provides comprehensive travel services
that keep you safe, comfortable, and covered. From
cancelled or delayed trips and lost or stolen luggage,
to rental car accidents and emergency services. We’re
here to help you 24 hours a day, 7 days a week.

Trip Cancellation Insurance. Receive reimbursement

for travel due to covered cancellations, losses, and
emergencies when you purchase tickets with your card.

Travel and Emergency Services. Get help coordinating

medical, legal, and travel services while you’re away
from home.

Travel Accident Insurance. Receive coverage for

common carrier accidental death or dismemberment at
no extra cost, when you charge your travel fare on your
Chase Sapphire Preferred card.

Trip Delay. When a trip is delayed more than 12 hours

due to a covered event, expenses incurred as a result of
the delay, such as meals and lodging, can be reimbursed.

Lost Luggage Reimbursement. Carry-on or checked

luggage is covered if lost or stolen, when you purchase
your common carrier ticket on your Chase Sapphire
Preferred card.

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Baggage Delay. If your checked bags are delayed
for a period of 18 hours or more by a common carrier,
you can be reimbursed for the emergency purchase of
essential items.

Roadside Dispatch. Get convenient towing and

locksmith referral services in the U.S. and Canada,
available 24 hours a day, 7 days a week.

Auto Rental Collision Damage Waiver. Receive

coverage, at no additional cost, for damage due to
collision or theft up to the actual cash value of most
rental vehicles. Just charge your rental transaction on
your Chase Sapphire Preferred card and decline
the rental company’s collision damage waiver.

1,000,000 ATMs. That’s a lot of cash machines. For

on-the-go convenience, your card lets you get cash
at over one million Automatic Teller Machines in our
Global ATM Network.5

Dedicated Service Line: 1-800-493-3319 10

 Four comforting little words:
purchase protection
and security.4
From helping safeguard your identity to protecting your
purchases, you can rest easy knowing your card’s built-in
benefits provide an enhanced level of protection for you
and your purchases.

Identity Theft Protection. If you’ve been a victim of

fraud or identity theft, Chase Sapphire Preferred provides
assistance and reimbursement for the covered costs
incurred in correcting your identity.

Zero Liability. You will not be held accountable for any

unauthorized purchases made on your card.6

Purchase Protection. We will replace, repair, or

reimburse you for eligible items of personal property
within 90 days of the date of purchase.

Extended Protection. Extend the length of the free repair

period under the original manufacturer’s U.S. warranty up
to one additional year on eligible warranties
of three years or less.

Price Protection. Receive a refund of the difference

between the price you paid for an item on your card,
and a subsequent lower advertised price for the same
item, within the first 90 days of purchase.

Return Protection. If a retailer will not accept a

return within the first 90 days of purchase, you can
get reimbursed for the cost of an item purchased on
your card.

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Dedicated Service Line: 1-800-493-3319 12
 Nothing’s set in stone.
It’s called financial flexibility.
Your Chase Sapphire Preferred card is welcome
virtually everywhere worldwide, with no preset spending
limit. Plus, you get the flexibility and convenience
you need to manage your account with ease.

Global Acceptance. Your Chase Sapphire Preferred

card has unsurpassed acceptance in more than 170
countries, as well as with Internet merchants.

No Preset Spending Limit. With no preset spending

limit, you have the purchasing power to get
what you need, whenever you need it. Plus, if you
prefer to pay off purchases over time, you may
carry a balance up to your credit access line.7

Online Year-End Summary. Track spending and file

tax returns easily. Your online year-end summary
organizes all your previous year’s transactions into
categories by purchase type. Simply become an online
registered user to automatically receive your summary.

Add Authorized Users. Share your benefits with others

and earn points on their spending.8 Call your Chase Sapphire
Preferred Dedicated Service Line to request additional cards.

Automatic Monthly Payment. No need to write out a

check every month. You can pay off a full balance, or make
the minimum payment automatically from your bank account.

Choice of Payment Due Date. If your originally scheduled

payment date is inconvenient, change it to a date that suits
you. Log into your online account or call the Chase Sapphire
Preferred Dedicated Service Line, and we’ll gladly assist you.

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Dedicated Service Line: 1-800-493-3319 14
 It’s your card. Design your
own payment plan.
Talk about flexibility and convenience! BlueprintSM is a unique
set of features that lets you manage your finances—on
your terms. Design a plan that best suits your financial
picture. Every month your statement will show detailed
progress reports for the Blueprint features you use. It’s
available to you anytime, it’s free, and you can enroll in just
minutes at chase.com/blueprint.

Full Pay – Select the types of everyday purchases

you want to pay off each month with no interest.
It’s like a debit and a credit card all in one.

Split – Pay off larger purchases over time. Set

an end date or monthly payment amount. See
your plan separated on your statement.

Finish It – Want to pay down your balance faster?

Choose an end date or monthly amount. We do the
math and set up the plan.

Track It – See your spending at a glance and

track your progress against goals—online or on
your statement.

Want to learn more about Chase Blueprint?

Visit chase.com/blueprint.

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Footnotes
1
S ee Rewards Program Redemption Rules in this brochure for details.
2
See Rewards Program Rules and Regulations in this brochure for details.
3
To use the Ultimate Rewards Mall, you must log into your account at www.chase.com.
Participating merchants and offers are subject to change without notice. For complete
details see the Ultimate Rewards Mall Supplement to your Rewards Program Rules and
Regulations, which can be found by logging on to ultimaterewards.com.
4
Certain restrictions, limitations, and exclusions apply. Please see your Guide to Benefits
for details.
5
Daily and transaction limits apply to ATMs.
6
U.S.-issued cards only. Zero Liability Protection does not apply to ATM transactions or to
PIN transactions not processed by Visa/MasterCard, as applicable.
7
No pre-set spending limit does not mean unlimited spending. Each charge that causes
your balance to exceed your revolving credit access line will be evaluated based on your
account spending and payment history and your experience with other creditors. Your
minimum payment calculation each month will include any amount over your revolving
credit access line. Please see your Cardmember Agreement for complete details. We
reserve the right to decline an authorization request for any transaction at any time for any
reason. We also may request additional information from you at any time to evaluate a
transaction request or your use of the Account generally.
8
Additional cards and all cardmember communications will be mailed to the primary
cardmember, who is responsible for all charges made by the authorized users. Reference
to the account may appear on the authorized users’ credit reports.

Dedicated Service Line: 1-800-493-3319 16

Ultimate Rewards Program (or the “Program”) Rules
and Regulations
Issuer: Your Consumer/Business Rewards credit card account (“Account”) is issued by Chase Bank USA, N.A. (herein
after “we”, “our”, or “us”) located in Wilmington, DE. In these Program Rules, “you” or “your”, means all persons
and/or companies responsible for complying with this agreement, including the person who applied for the Account
and the person to whom we address billing statements, as well as any person who, and/or the company which, if
applicable, agrees to be liable on the Account.
Ability to Earn Rewards: If your Account is in default as described in your Cardmember Agreement/Business Card
Credit Agreement, as applicable (“Agreement”), and/or your Account is closed for any reason, and/or there is any
fraud or abuse related to the accrual of points, we reserve the right to prohibit you from earning or redeeming points
through your Account until the next billing cycle after your Account is no longer in default, and to cause you to forfeit
any points in your Account. If your points are forfeited for any reason, we will not reinstate these points to your
Account. If your Account is closed for any reason, your membership in the Program will be terminated.
Membership: Your membership in the Program will be renewed automatically each year as long as your Account
is open and not in default as defined in your Agreement, or until we notify you of the Program’s cancellation. The
Program is not subject to a yearly program fee. While there is no yearly program fee associated with Ultimate
Rewards Program membership, there may be an annual fee in conjunction with your credit card Account.
Earning Rewards: You will earn 1 point for each $1 of Net Purchases. You will earn an additional 1 point for each $1
of eligible airfare Net Purchases made online through the Program booking tool. You will receive a yearly bonus of 7%
of all points you earned in the previous Year. (“Year” means, for your first year as a cardmember, the period beginning
with your Enrollment Date through your December statement date of that same year. For each year thereafter, “Year”
means the twelve month period beginning the day after your December statement date through your December
statement date of the next year). Your bonus will appear on your January or February billing statement. (“Net
Purchases” means purchases of goods and services made by you or any authorized user on your Account minus any
returns or refunds.) Point accrual will begin upon the Enrollment Date in the Program. (“Enrollment Date” is the day
on which we approve you as a Program member.) No retroactive points will be awarded. You do not earn points on
balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders,
any checks that are used to access your Account, overdraft advances, interest, unauthorized or fraudulent charges,
or fees of any kind, including fees for products that protect or insure the balances of your Account. Points will be
deducted for any returns or credits made on your Account. Points will appear on your monthly statement. Additional
promotional opportunities to earn rewards are available with the rewards program. The amount and availability of the
promotional offer will vary as defined by the terms of the promotion.
Earning Restrictions: Points earned are not transferable, have no cash value, and cannot be used as payment of
obligation to us. If there is any abuse of the Program, failure to follow Program terms, or any misrepresentation
by you, all unredeemed points shall be forfeited and no additional points shall accumulate. Points from separate
enrolled Accounts may not be combined onto one Account. There is no maximum number of points that you can
accumulate in the Program.
Expiration: Points earned in this Program will not expire.
Redemption Process: Points earned during a billing cycle are not available for redemption until they are posted on
your billing statement. Points for transactions made on or near the end of your billing cycle may take up to one billing
cycle to post to your Account. Once you accumulate the required number of points, you will be eligible to redeem
them for your selected reward item or statement credit against any Net Purchases posted to your Account. Please
contact the Redemption Center at 1-800-493-3319 or visit the web address on the back of your card to redeem your
points 24 hours a day, 7 days a week. Only you, as the obligor on the Account, may redeem points; authorized users
may not redeem points.
Additional Obligations: You are responsible for any tax liability related to participating in the Program.
Program Restrictions: We reserve the right to approve, deny or revoke participation in the Program for any reason
whatsoever.
Right to Change/Modify/Cancel: The Program and benefits are offered at our sole discretion. We reserve the
right to alter or waive any Program feature or benefit prospectively or retroactively, including, without limitation,
participation fees, point accrual or redemption criteria, or to cancel or temporarily suspend the Program at any time
without prior notice.
Program Responsibility: Individual merchants and service providers are responsible for the quality and performance
of any goods and/or services redeemed as a benefit of this Program. Any rules of the merchants relating to returns
and exchanges of rewards apply. We are not responsible for redeemed goods and/or services offered through the
Program. Any disputes concerning rewards will not affect your payment obligation to us on your Account. We are
not responsible for any disputes among you or any authorized users relating to the Program. Questions regarding
the Program should be directed to the toll-free number on the back of your credit card. Administrative services for
the Program are provided on our behalf by Maritz Loyalty Marketing, Rearden Commerce, Connexions Loyalty Travel
Solutions LLC, and our other agents. Maritz Loyalty Marketing is an independent contractor and is not affiliated with
us. Neither Chase nor Maritz Loyalty Marketing, Rearden Commerce, Connexions Loyalty Travel Solutions LLC,
nor any of our other agents shall be liable for any bodily harm and/or property damage and/or lost opportunity,
which may result from participating in the Program or for the provision of goods or services by award merchants
or service providers.
Program Void: The Program is void where prohibited by federal, state, or local law. These Rules and Regulations set
forth all the terms of the Program in addition to, and supplement, the Redemption Rules and Regulations that govern
the redemption of points, and any other redemption rules provided by us or our agents. We have no other obligation
with respect to the Program beyond those described in these and the Redemption Rules and Regulations.

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Ultimate Rewards Program (or the “Program”)
Redemption Rules
Redemption Options: Redemptions made online do not have a service fee. A service fee of up to $20 per ticket may
be charged for the use of our toll-free number to book or change airline itineraries. We reserve the right, in our sole
discretion to determine the amount of the service fee, to waive the service fee, or to change the service fee without
notice. Chase is not responsible for service fees charged when you redeem directly through a merchant.
Travel Information: Ticket(s) may be purchased in any name designated by you; however, tickets will be mailed or
emailed, as applicable, to your address. Paper tickets will be issued only when electronic ticketing is not available.
Passenger facility charges, international entry or departure taxes and/or all fees, including baggage fees, are at
traveler’s expense. Rewards may be subject to local taxes and fees, which are at traveler’s expense. Additional costs,
such as rush charges and/or traceable overnight delivery of rewards, are at your expense. Standard age, driver and
credit rental requirements apply to car rental rewards. Minimum rental age is 25 (exceptions apply). Hotel and car
rental rewards subject to availability. You may not upgrade travel arrangements (including airfare, hotel reservations
and car rentals) obtained by redeeming your points. For example, if you redeem for Coach Class airfare using your
points, you may not upgrade the Coach Class ticket to a First Class ticket at the airport.
Airline Tickets: You may redeem points both online and through our toll-free number for an available airline ticket,
where permitted by law. Redemptions may be made in 1 point increments for each $0.0125 incremental ticket value.
For example, 20,000 points can be redeemed for a $250 airline ticket. If you want to book a ticket with a value greater
than the redemption value of your points, the additional amount must be paid for using a Chase credit card.
Checks: Points may be redeemed for a check. See current redemption levels on the redemption website.
Statement Credits: Redemptions start at 2500 points for a $25 statement credit to apply to any purchase made with
your Chase credit card within 60 days of the request for a statement credit, where permitted by law. Beginning with
2500 points, redemptions may be made in additional 100 point increments for each $1 statement credit. Statement
credit will post to your account within 5-7 business days and will appear on your monthly Chase credit card billing
statement within 1-2 billing cycles.
Using Points for Booking Travel: Points may be redeemed for eligible items at the rate determined by the individual
merchants, and may vary by merchant; any balance that remains due on a travel booking over the amount of your
redemption must be paid for using a Chase credit card.
Merchandise, Gift Cards and Select Events: Redemption levels may vary and are listed in the Program Guide and
online at the redemption website. Minimum redemption amounts may be required to redeem your points and may
vary by merchant. We reserve the right to change redemption items offered in the Program at any time without notice.
We may also offer additional redemption promotions from time to time; redemption items offered directly through
merchants may have terms and conditions controlled by those merchants. Chase is not responsible for the provision
of or failure to provide the stated benefits and services in promotions offered by these merchants.
Reward Restrictions: Redeemed rewards are not refundable, replaceable, or transferable for cash, credit, or
other rewards under any circumstances. Lost, stolen or mutilated gift cards/gift certificates and checks will not be
replaced. Redeemed rewards earned in the Program may not be re-sold or exchanged for other goods or services
except as stated on the reward. Certain rewards are available only during the time periods described in the Program
communications. We may substitute rewards of equal or greater value as necessary at our discretion. Some rewards
have limited availability. Gift cards/gift certificates are valid at participating merchants only, through the expiration
date, if any, as permitted by law. Merchants participating in the Program are subject to change. Gift cards/gift
certificates and checks must be surrendered upon redemption and no photocopies will be honored. Gift cards/gift
certificates have no cash value and may not be redeemed for cash or its equivalent, and any unused portion will not
be returned as cash unless otherwise noted on the gift cards/gift certificates. Purchases in excess of the amount of
the gift card/gift certificate are at the reward holder’s expense. Use of any gift card/gift certificate or check is subject
to any additional restrictions listed on the gift card/gift certificate or check. It is the reward holder’s responsibility to
review the terms and conditions of each merchant’s gift cards/gift certificates. For all merchandise, gift certificate,
gift card and attraction ticket rewards, all sales/use taxes, fees, surcharges, optional items, shipping and handling
charges are the responsibility of the reward holder and will apply in accordance with the merchants’ policies in effect
at the time of redemption.
Reward Delivery: Delivery time of rewards redeemed depends upon your chosen reward. Some rewards cannot be
shipped to PO Boxes or foreign addresses. Expedited delivery may be available upon request for an additional charge.
Country of item’s origin may change.
Points Transfer: Points may be transferred to participating partners’ programs in fixed point increments as defined in
the Program catalog. A points transfer fee may be charged based on a percentage of the number of points transferred.
Any transferred points become subject to the terms and conditions of the respective partner’s program. Once points
are transferred, they may not be refunded, and the transaction cannot, under any circumstances, be reversed. Please
allow 4-6 weeks for the points to appear in your partner program account.
Purchasing of Points: Points may be purchased in 1,000-point increments for a cost of $25, up to a maximum per
month of 5,000 points/$125. Once purchased, points may not be returned for a cash refund, and the transaction
cannot, under any circumstances, be reversed.
Miscellaneous: Any additional travel or accommodation arrangements made in connection with any reward are
your sole responsibility.
Points values for all rewards are effective November 15, 2009, and are subject to change without notice.
Many redemptions are final; please check the applicable merchant’s terms and conditions before you redeem. Point
credits will not be issued for any cancelled travel arrangements or returned rewards.
The listed merchants are in no way affiliated with Chase Bank USA, N.A., nor are the listed merchants considered
sponsors or co-sponsors of this program. Use of merchant names and/or logos are by permission of each respective
merchant and all trademarks are the property of their respective owners. Terms and conditions are applied to gift
cards/certificates. Please see the merchant’s gift card/certificate/website for additional terms and conditions, which
are subject to change at merchant’s sole discretion, if permitted by law.
Rewards are subject to availability, and may be substituted with rewards of equal or greater value as necessary.
Merchants participating in the Program are subject to change.
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Account Contact Information
Chase Sapphire Preferred
Dedicated Service Line:
1-800-493-3319

Visit Your Account Online:

www.chasesapphirecard.com

International Toll-Free Calls:

1-614-776-7050

TDD: 1-800-955-8060

BRC11100