Skip to content

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

Feb. 13, 2014
4 min read
How To Get Your Chase Sapphire Preferred 7% Dividend Information Before It Posts
This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

Update: Some offers mentioned below are no longer available. View the current offers here – Chase Sapphire Preferred Card

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 AM

Click 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.

Sign up for our daily newsletter
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