How To Get Your Chase Sapphire Preferred 7% Dividend Information Before It Posts

by on February 13, 2014 · 31 comments

in Chase

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Update:  As of July 20, 2014, the Chase Sapphire Preferred Card no longer offers the 7% annual points dividend. View the current sign up offer here.

One of the benefits of the Chase Sapphire Preferred card – apart from the 2X spending bonus on travel and dining, and no foreign transaction fees – is the 7% annual dividend you get on all the points you earned during the previous calendar year. You earn 7% based on all the points you earn in the calendar year excluding a sign-up bonus and any points transferred between Ultimate Rewards accounts – so if you have the Ink Plus and/or Ink Bold, there’s no point putting all your points into your Sapphire Preferred UR account and hoping that you’ll get the bonus on all of it. To give you an example of the bonus, let’s say you earned 50,000 points on your Sapphire Preferred all year – you’d get a 7% dividend of 3,500 points in the new year.

So all those double points on dining and travel, any bonus points you earn by maximizing the Ultimate Rewards shopping portal where merchants regularly offer multiple bonus points per dollar – all of those count. That means, instead of just 2X point per $1 on travel and dining, you’re really earning 2.14X points per $1.

The one thing that is a bit of a nuisance is that it takes until your second statement in a new calendar year for those points to post and it can leave folks wondering just what their points balance will be – especially if they are going to need their points as soon as they post for a particular award. However, you can actually ask Chase what your dividend will be so you can plan in advance. While the points themselves won’t post before your February statement, at least you’ll have a figure to go off of.

To find out how many points you have coming your way, log into your Sapphire Preferred account on Then in the upper right side of the page, you’ll see a link to “Secure Message Center.”

Screen Shot 2014-02-13 at 9.03.39 AMClick on it and then you’ll have the option to send a secure message and when you select that, a new window pops up and you can choose the subject line, enter your text and send it on its way.

My own message was quite simple and read as follows:

“Can you tell me how many points were earned during 2013 for my Sapphire Preferred 7 percent dividend and when they will be awarded? Thanks!”

I had a response within an hour telling me that I would see the dividend post on my February statement and giving me the exact amount. It was that quick.

Chase got back to me immediately.

Chase got back to me immediately.

My statement closes in the next few days, but I’m not going to wait for the paper statement to come. Instead, once my billing period ends, I’m going to log into -> Rewards Activity -> Statement Summaries and it should show as an itemized lined on my February statement so I can verify the amount immediately.

I actually have a lot of bonus points coming my way since the Sapphire Preferred is one of the three credit cards I put the bulk of my spending on, and I’m the master of paying for big dining bills and trips and then getting friends and family to reimburse me so my annual dividend includes tons of bonus points. However, every point counts, and the 7% dividend is still one of the reasons why the Chase Sapphire Preferred® Card is one of my go-to cards and will be for years to come.

Have any of you already seen your 7% annual dividend post?

For more information, check out these posts:

How Soon Will I See My Sapphire Preferred 7% Points Dividend?
The Top 10 Credit Cards in My Wallet and What I Use Each For
Details on the Sapphire Preferred 2X on Travel
The Sapphire Preferred 7% Annual Dividend
Ranking the Chase Ultimate Rewards Transfer Partners
Top 10 Ways To Maximize Each Ultimate Rewards Transfer Partner
Why I Love Chase Ultimate Rewards
Ranking the Top Chase Travel Credit Card Offers

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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  • Mike

    Mine 7% bonus posted yesterday

  • Icheckthingsout


  • Charlie

    so what was your dividend amount?

  • decibel08

    This whole post could have been replaced with one line to address the topic question: How do you find out your 7% dividend amount before it posts? You ask Chase via secure message.

  • JODY

    What a terrible idea. The good folks at Chase have nothing better to do than reply to a thousand idiots who can’t wait to find out their extra 7%? I guess it’s a slow news day, not enough credit card referrals to flogg.

  • Scott

    agree, this is a bad idea and a worthless post. came in here thinking there was a way to check it easily, but was disappointed to learn the answer was to “send a secure message”.

    complete waste of time for and resources for Chase. especially considering its already mid-feburary and the points will post within 2 weeks. are people THAT impatient they HAVE to know NOW?!

  • Mike

    Are you that busy that you can’t look at your year-to-end spend and x’s that by .07?

    If it isn’t a post about showing off one of your trips, it’s useless information

  • doctorofcredit

    You can easily just calculate this yourself, why would you bother a rep with this?

  • A.J.

    I just got the CSP in mid October 2013 (through your link). Havent used it all that much bt my 7% dividend was 699 points. Think I may put more spending on this card in 2014 :)

  • luv2mtb

    why should I do the work?

  • luv2mtb

    One glaring reason to know your bonus before it posts: you have travel upcoming and you’re debating over which card/portal/points/etc to use. And instead of taking the time to figure it out yourself, you let the company (whom you allow the privilege of making money off of your finances) do it for you. Maybe this was’t the most earth-shattering tip TPG has shared, but it wasn’t as bad as some of you killjoys make it out to be.

  • doctorofcredit

    They will do the work for you automatically if you wait less than two weeks. Why the rush?

  • Gregory Feczko

    Maybe some of would like to plan some travel and would like to know how many miles would post and when. Why keep this a secret? With all the rules on what qualifies for miles and what doesn’t, I’d like to know. Some think this is EASY to do, others are like: I have no idea. Count me in the latter category

  • Jared

    Thanks for this pathetic excuse of a post that is nothing more than a sad attempt to pimp your referral links. Are you seriously that impatient that you can’t just wait for the bonus miles to post? Asking Chase how many you will receive does not make them arrive any faster.

    This blog is going downhill fast with all the postings that are just thinly veiled excuses to post your referral links. I’m starting to think that your revenue must be down because your readers are smartening up and starting to realize that you have very little to offer in the way of original content. Lets hope you can find your way back to posting original useful information or this blog will be gone in no time and you will have to find a real job like the rest of us.

  • BobChi

    I do think you could get a pretty good figure yourself in a couple of minutes by checking your year-end summary online, which breaks everything into categories. Then multiply the bonused categories (travel and dining) by 2, the non-bonused by one, and multiply by .07. I’m kind of surprised TPG still gets paper statements, by the way. I’m curious. Is that still common to do, and what is the reasoning behind it? The 7% bonus does need to be taken into account in keep/cancel decisions about this card.

  • P

    Coming up next on TPG: How to get a first class flight anywhere in the world. (Go online and buy one.)

  • Mark

    I have to agree with some of the other comments. This is not the most useful post. I’d rather learn about new and creative ways to earn and use points and miles please.

  • BangkokBaby

    It’s a blog people. If you don’t like the topic or think it’s worth the time then don’t read it. It seems like you could find better things to do with your time than polluting the internet with your slander and negativity. Mean people like you only exist when you get to hide behind a computer screen. GO BE HAPPY

  • luv2mtb

    I’m the customer. They make money off of the relationship. If I want to know earlier than two weeks, then I expect them to help me. Its called customer service.

  • Jack Lexington

    LOLz you post is laughable. You sound bitter, and jealous that Brian perhaps doesn’t have to have a real job because plenty of people find his site useful and informative, thus, keeping him doing this. You don’t have to read this blog – plenty of other ones out there. Coming to a blog and complaining is like showing up to a party, uninvited, and yelling that the party sucks. Again, LOLz.

    Brian, thanks for the post and the blog!! Keep it up, the posts, and the business. The vast majority of us like you, and like what you do – you provide value.

  • Jay Olivares

    As a businessman myself, I can probably speak for Brian on this statement: “We love people like you, who come to a site and attempt to take the good and ridicule the bad. Who told you to come here in the first place? Why can’t he post what he wants on HIS website? If you don’t find it useful, keep scrolling through all the other posts, since I know you don’t have a website yourself. Also, get a real job? Why would we need to get a real job when people like you will do it for us?”

  • doctorofcredit

    Except it’s going to be quicker for you to add up the total than send a secured message and have them do it. It literally makes no sense.

  • luv2mtb

    I get it. You’ve got a blog of your own, and instead of minding your own business, you troll other blogs and leave asinine posts to show off your smarts.

  • thepointsguy

    They have the information available to them, so it isn’t much more than simply typing it in and sending it back. I think JP Morgan Chase will be quite alright ;-)

  • thepointsguy

    Traffic has doubled in the last year and business is booming, but thanks for your feedback and page views :-) Safe travels

  • thepointsguy

    You earn the 7% on bonus categories/portal shopping as well, so simply taking spend x .07% will not give you an accurate number.

  • thepointsguy

    How do you calculate it easily, taking into account portal and category bonuses? It takes 20 seconds to ask a rep- I can’t imagine calculating it yourself would be easier

  • thepointsguy

    Exactly.. and if you don’t need to know your dividend you simply don’t ask! #novelideas

  • thepointsguy

    I think some people need to start traveling more and complaining less!

  • doctorofcredit

    Not really. Chase has amazing customer service and I’d rather have them answering legitimate questions and solving problems than them give you your points total.

  • thepointsguy

    Got it- ps for my bday weekend it’s gonna be a packed house- Jason/Caleb/Lori/Ben brooks/ you/ Adam
    Any chance we can get AC for pool house and a bed? Even if not perfect id like to have it functional for that wknd

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