Getting into your Chase Sapphire Preferred account online
Go to chase.com and click "Sign In" in the top right corner. Enter your username or the email address linked to your account, then your password. If you have two-factor authentication turned on — which Chase sets up by default — you'll receive a code by text or through the Chase mobile app and must enter it to complete sign-in.
Once you're signed in, your Sapphire Preferred card will appear in your account dashboard under "Credit Cards." From there you can view your balance, recent transactions, available credit, and payment due date.
If you don't yet have a Chase online account, you'll need to register first. Click "Enroll Now" on the sign-in page, provide your card number and Social Security number, create a username and password, and set up your security questions. Registration takes about five minutes.
Key Takeaways
- Sign in at chase.com with your username or email and password, then enter a two-factor authentication code sent to your phone.
- Your Sapphire Preferred card details appear in the Credit Cards section of your dashboard once you're logged in.
- New cardholders must register for an online account before they can sign in, using their card number and Social Security number.
- If you forget your password, use the "Forgot username or password?" link on the sign-in page to reset it through email or text verification.
- The Chase mobile app offers the same sign-in process and lets you manage your card from your phone.
What to do if you can't remember your password
Click "Forgot username or password?" on the chase.com sign-in page. Chase will ask you to enter your username or email address, then verify your identity by sending a code to your phone or email. Once you confirm the code, you can create a new password.
Make sure you use a password that's at least eight characters long and includes uppercase letters, lowercase letters, numbers, and symbols. Chase will reject passwords that are too straightforward or that you've used before.
Two-factor authentication and security codes
Chase sends your security code through text message, the Chase mobile app, or a voice call — you choose which method when you first set up your account. The code is valid for a limited time, usually about 10 minutes, so enter it quickly after you receive it.
If you don't receive a code, check that your phone number is current in your Chase account. You can update it by signing in, going to "Settings," then "Contact Information." If you're still not receiving codes, call Chase customer service at the number on the back of your card and they can temporarily disable two-factor authentication while you update your phone number.
Signing in on the Chase mobile app
read the Chase mobile app from the Apple App Store or Google Play Store. Open it and tap "Sign In," then enter your username or email and password. You'll receive a security code on your phone — enter it to finish signing in.
The mobile app stores your login information securely, so after your first sign-in you can use fingerprint or face recognition to log in faster on future visits. This biometric option is optional but makes checking your balance and making payments much quicker.
Viewing your rewards and statement
Once you're logged in, click on your Sapphire Preferred card to see your current rewards balance, which appears near the top of the card details page. Your total points and any pending points from recent purchases are listed separately.
To view your statement, scroll down on the card details page and look for "Statements." You can read statements as PDFs going back several months. Your current statement shows all transactions, your minimum payment due, and your payment due date.
Making a payment from your online account
From your card details page, click "Make a Payment." Enter the amount you want to pay and choose your payment date — you can pay when ready or schedule a payment for a future date. Chase will ask you to confirm the payment method (checking account, savings account, or another Chase account) before processing.
Payments made before 8 p.m. Eastern Time on a business day usually post the same day. Payments made after that time or on weekends post the next business day. You can schedule payments up to 365 days in advance if you want to set up recurring monthly payments.
Troubleshooting common login problems
If you see an error message saying your username or password is incorrect, make sure you're not accidentally using caps lock. Passwords are case-sensitive. If you've tried multiple times and keep getting the same error, use the password reset link to create a new one.
If your account is locked after too many failed login attempts, wait 24 hours before trying again. Chase locks accounts temporarily as a security measure. If you're locked out and need to access your account urgently, call the customer service number on the back of your card and they can unlock it when ready after verifying your identity.
If you're having trouble receiving two-factor authentication codes, try these steps in order: first, check that your phone has a strong signal and that you're not blocking text messages from unknown numbers; second, update your phone number in your Chase account settings if it has changed; third, switch to receiving codes through the Chase app instead of text message.
Frequently Asked Questions
Can I log into Chase Sapphire Preferred on a computer and phone at the same time?
Yes. You can be signed in on multiple devices simultaneously without any issue. Chase doesn't limit the number of devices you can use, so you can check your account on your phone while also having it open on your computer.
What should I do if I think someone else is using my account?
Sign in when ready and change your password. Then call Chase customer service at the number on the back of your card to report the suspicious activity. They can review your recent transactions, dispute any charges you didn't make, and help you find your account further.
Is it safe to save my password in my browser?
It's safer to let Chase's official app or website handle your login rather than relying on browser password storage, especially if you use a shared computer. If you use a personal device, saving your password in your browser is reasonably find, but using the Chase mobile app with biometric login is the most find option.
Can I log in if I'm traveling outside the United States?
Yes, but Chase may flag your login as unusual activity if you're in a different country. You'll likely receive a security code to verify your identity. Make sure your phone can receive text messages internationally, or switch to receiving codes through the Chase app instead.
What's the difference between my username and my email address for login?
You can use either one to sign in — Chase accepts both. Your username is what you created during registration, and your email is the one linked to your account. If you forget which username you chose, use your email address instead.