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Chase Sapphire SM Card
&
PenFed Promise VISA Card
Side-by-Side Comparison


Here is the detailed comparison.

Chase Sapphire SM Card and PenFed Promise VISA Card

Chase Sapphire SM Card Offer Chase SapphireSMCard  Official
Card
Name
PenFed Promise VISA Card  PenFed Promise VISA Card Offer
Chase Bank Logo Chase Bank 
 
Issuer
   Logo
 
Visa  Brand Visa 
$0.00*  Annual Fee $0.00* 
n/a*  Introductory
Rate
7.49* 
n/a*  Length of
Intro Period
36 Mo. on purchases* 
15.24% (Fixed)*  Go To Rate
(After Intro)
9.99% (Fixed)* 
Yes  Balance Transfer
Available
Yes 
Excellent  Credit Level
Required
Good 
Limited Time Offer - Earn 25,000 bonus points after you spend $3,000 in the first 3 months - that's $250 toward a flight or any other reward!  Bullet Points:
1
Absolutely No Fees 
2 points per dollar spend on dining & 1 point per dollar spent on all other purchases.  2 7.49% introductory purchase APR for first 36 months. After that, the APR will vary with the Prime Rate, and is currently 9.99% APR. 
Points never expire and there are no limits on how many points you can earn  3 No-fee cash advances carry a 17.99% APR  
Redeem points for travel, gift cards, merchandise, cash back and more  4 No Foreign Transaction Fees 
24/7 direct access to expert service advisors (No voice recording)   5 Some restrictions apply. 
     



 


     


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