Chase Sapphire Preferred Review: A Travel Card With Big Incentives

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Chase Sapphire Preferred review
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If you have a severe case of wanderlust, the Chase Sapphire Preferred credit card can help treat that condition. This card has one of the best sign-up bonuses available, flexible redemption options, and other valuable travel perks.

Curious if this is the card for you? Check out our Chase Sapphire Preferred review to see if its perks and features are what you’re been looking for.

Chase Sapphire Preferred review

The Chase Sapphire Preferred card offers a combination of perks and rewards that makes it one of the best travel credit cards on the market. With it, you’ll get:

  • Two points per dollar on all travel and dining purchases and one point per dollar spent elsewhere.
  • 50,000 bonus points after you spend $4,000 in the first three months. That’s worth $625 in travel redeemed through Chase Ultimate Rewards.
  • An extra 5,000 bonus points when you add your first authorized user and make your first purchase within the same three-month period.
  • 25 percent more value when you redeem your points for travel through Chase Ultimate Rewards.
  • A one-to-one points transfer to 11 hotel and airline loyalty programs.
  • An introductory $0 annual fee for the first year, then $95.
  • No foreign transaction fees.

The Chase Sapphire Preferred card isn’t perfect for everyone, though. For example:

  • Its rewards rate on non-travel and dining purchases is comparatively low.
  • You have to be travel-savvy to get the most value out of your rewards through one-to-one point transfers.
  • Its annual fee can be a barrier to low spenders.
Learn More about Chase’s Sapphire Preferred card

Chase Sapphire Preferred offers big travel rewards

While most travel credit cards offer solid sign-up bonuses, it’s hard to beat the ones offered by the Chase Sapphire Preferred card. Here’s how the $625 bonus stacks up against the competition:

  • Barclaycard Arrival Plus World Elite MasterCard: 50,000 bonus miles worth $500 in travel.
  • Capital One Venture Rewards: 40,000 bonus miles worth $400 in travel.
  • Citi ThankYou Premier Card: 30,000 bonus points worth $375 in airfare booked through the ThankYou Travel Center.

With the Chase Sapphire Preferred card, you’ll get 50,000 bonus points after meeting the minimum spending requirement. Those points are worth $625 if you use the points to book travel through the Chase Ultimate Rewards portal.

The Chase Ultimate Rewards portal works just like Expedia and Orbitz, allowing you to book flights, hotels, rental cars, and other travel experiences.

If you’re loyal to a partner hotel chain or airline, you can also transfer your Ultimate Rewards points for free at a one-to-one ratio. Chase’s travel partners include:

  • British Airways Executive Club
  • Flying Blue Air France-KLM
  • Korean Air Skypass
  • Singapore Airlines Krisflyer
  • Southwest Airlines Rapid Rewards
  • United MileagePlus
  • Virgin Atlantic Flying Club
  • IHG Rewards Club
  • Marriott Rewards
  • Ritz-Carlton Rewards
  • World of Hyatt

If you’re savvy enough, transferring your points could get you even more value than the 25 percent boost for booking through the Ultimate Rewards platform.

For example, Holly Johnson, credit card expert at Club Thrifty, transferred a combination of Amex Membership Rewards points and Chase Ultimate Rewards points to her Flying Blue account for an upcoming Europe trip.

“It was 50,000 Flying Blue miles round-trip plus $93ish per person in fees into Munich and home from Zurich,” she said. “Our economy flights retail for $1,800.”

Without the fees, that’s a redemption worth 3.6 cents per transferred point:

$1,800 / 50,000 points = .036 (3.6 cents per point)

 But even adding in the fees, Johnson is still getting a value of 3.4 cents per point:

($1,800 – $93) / 50,000 points = 0.34 (3.4 cents per point)

Chase Sapphire Preferred travel benefits

Some of the best travel perks this card offers include:

  • Trip cancellation/interruption insurance in case your trip is canceled or cut short by sickness, severe weather, or other covered situations.
  • Baggage delay insurance, which reimburses you for essential purchases like toiletries and clothing for baggage delays over six hours.
  • Trip delay reimbursement in case your common carrier travel is delayed more than 12 hours or requires an overnight stay. The reimbursement applies to expenses not already covered by the airline, including lodging and food.
  • Purchase protection in case an item you purchased is damaged or stolen.
  • Price protection in case the price of an item you purchased drops.
  • Return protection in which you can be reimbursed for eligible items a store won’t take back within 90 days of purchase.
  • Extended warranty protection, which extends the period of a U.S. manufacturer’s warranty by an additional year on items with eligible warranties of three years or less.

Rental car coverage

Just about every major credit card offers rental car coverage, but the coverage is usually secondary. This means that if you get in an accident, you have to file a claim with your personal car insurance provider first. The credit card’s coverage would then cover whatever your primary insurance doesn’t.

Using this benefit means you don’t have to pay for the rental car company’s coverage. But if you do have to file a claim with your primary car insurance provider, your insurance premium could go up.

Enter the Chase Sapphire Preferred. This card offers primary rental car coverage, which means you don’t have to involve your insurance company at all.

Just keep in mind this perk applies only if you charge the full amount of the rental car to your Chase Sapphire Preferred. Booking a rental car with your Chase Ultimate Rewards points doesn’t count.

Check out the Chase Sapphire Preferred card

Favorable cash back redemption

In general, travel credit cards give you a discounted value when you try to redeem your rewards for cash. For instance, you’d get 0.5 cents per point in cash back versus one cent per point in travel.

With the Chase Sapphire Preferred card, though, you’ll get one cent per point when you redeem your points for cash.

Of course, this is still less than what you’d get if you used your points to book travel. But if you don’t have any upcoming travel plans and you want to use your rewards for something else, getting cash back gives you even more flexibility.

You can also redeem your points for gift cards, also at a one-cent-per-point value.

Double up on Chase Ultimate Rewards

Fun fact: You can pair your Chase Sapphire Preferred card with another Chase Ultimate Rewards-earning card to get more value.

For example, the Chase Freedom Unlimited card earns 1.5 percent cash back on all purchases in the form of Chase Ultimate Rewards points. And if you have both cards, you can transfer your points earned with the Chase Freedom Unlimited card to your Chase Sapphire Preferred account.

With this strategy, you can use your Sapphire Preferred card for dining and travel and use your Freedom Unlimited card for all other purchases. Doing so ensures you get the higher base rewards rate of 1.5 percent.

Say you spend $300 on dining, $500 on travel, and $1,500 on other purchases. With the Sapphire Preferred card, you’d earn a total of 3,900 points:

($500 + $300) x 3 points = 2,400 points

$1,500 x 1 point = 1,500 points

If, however, you use the Sapphire Preferred card for the dining and travel purchases, and the Freedom Unlimited on the other purchases, your point total would be 4,650 points:

($500 + $300) x 3 points = 2,400 points

$1,500 x 1.5 points = 2,250 points

That 750 point difference may not sound like a lot, but over time you’ll earn much more rewards by using both cards than just using one.

Plus, when you transfer your Freedom Unlimited points to your Sapphire Preferred account, you’ll get the transfer options and 25 percent bonus when you redeem the points for travel. Those are both benefits that you don’t get with the Freedom Unlimited alone.

Chase Sapphire Preferred review: rates and fees

The Chase Sapphire Preferred card shines when it comes to rewards and perks. But if you’re not careful, the card’s rates and fees can neutralize its benefits.

Above-average APR

With no introductory 0% APR promotion, it’s best to pay off this card in full each month to avoid paying interest. The card has an ongoing APR of 16.74% to 23.74% (as of June 2017).

In other words, carrying a balance could cost you as much or more than you’re earning in rewards.

The card charges no penalty APR, which some banks apply on late balances. However, it does charge a higher APR of 25.74% on cash advances (as of June 2017). There’s also no grace period for cash advances, so interest begins accruing immediately.

Annual fee

The card has an introductory $0 annual fee, then a $95 annual fee after that. While this means you’ll get a lot of value out of the card the first year, you’ll want to make sure it’s worth it in the long-run.

If you use your points to only book travel through the Chase Ultimate Rewards portal, you’d have to spend $7,600 per year on non-travel and dining purchases just to break even on the annual fee. Here’s a formula that breaks this down.

$7,600 x 1 point = 7,600 points

7,600 points x 1.25 Chase Ultimate Rewards multiplier = $95 worth of travel

Of course, adding dining and travel purchases into the mix lowers that break even point. But if you’re not a big spender, it simply may not be worth it.

No foreign transaction fee

The Chase Sapphire Preferred card has no foreign transaction fees, making it appealing for international travel.

If you spend a lot of time overseas, having a card with no foreign transaction fees is a must-have. Many cards charge three percent on each foreign purchase, which can add up quickly depending on how much money you spend abroad.

Other fees

  • Balance transfer fee of $5 or five percent, whichever is greater.
  • Cash advance fee of $10 or five percent, whichever is greater.
  • Late payment fee of up to $37, depending on the late balance amount.
  • Return payment fee of up to $37.

Credit requirements

The Chase Sapphire Preferred card is targeted toward people with good or excellent credit. If you’re not sure if you’d qualify, check to see if you’re pre-qualified.

Chase will run a soft credit check, which doesn’t affect your credit score. Once you submit your information, you’ll receive a list of offers available to you.

Keep in mind that the pre-qualified feature isn’t a guarantee either way. In other words, just because the card comes up in your offers doesn’t mean you’ll automatically be approved. Chase will run a more comprehensive credit check when you officially apply.

And even if the card doesn’t show up, that doesn’t mean you won’t be approved if you were to apply. Pre-qualification is simply a good way to check to see if you meet certain criteria that would give you a better chance of being approved.

Applying online for the Chase Sapphire Preferred card

Submitting an application for the Chase Sapphire Preferred card is pretty straightforward. Start by clicking on the “Apply Now” button on the card’s landing page.

If you’re already a Chase customer, you can log in to your account to speed up the application process. Chase will take the information they have for you on file to fill out the majority of the application for you. You just need to enter your current income information and submit.

If you’re not a Chase customer, you’ll begin the application by filling out your name and address information. Other required information includes:

  • Whether you own a checking or savings account
  • Residence status (rent, own, or other)
  • Monthly housing payment
  • Income and employment information
  • Phone number
  • Email address
  • Date of birth
  • Social Security number
  • Mother’s maiden name

If you want to add an authorized user, you’ll be asked to provide their name and address information. You’ll then agree to Chase’s terms and conditions, after which you can review your application and submit.

After you submit the application, you should get a response immediately. Either you’ll be approved, or your application will be placed in pending status.

If your application is in pending status, it may mean one of three things:

  • The application was denied, in which case they’ll send an adverse action letter to explain why.
  • You’ve placed a fraud alert on one or more of your credit reports and Chase needs to call you to verify your identity.
  • Chase needs to manually review your application for some reason. If this happens, they’ll typically send an approval or denial letter by mail.

If your application goes to pending status, you can call Chase’s application status line at 888-338-2586 to get updates.

You can also call Chase’s reconsideration line at 888-270-2127 if you have been denied. Calling this line allows you to speak to a credit analyst and plead your case, so to speak.

apply now for the Chase Sapphire Preferred card

Chase Sapphire Preferred customer service reviews

On the whole, Chase Sapphire Preferred cardholders are overwhelmingly positive about the card. Credit Karma users have given the card 4.8 out of 5 stars on average.

Many cardholders like the card’s metal design. Others share that they received high credit limits. The card’s rewards program is also a highlight among folks who use it.

Contact Chase

If you have questions about the Chase Sapphire Preferred card, you can reach their customer service team at 800-432-3117. If you already have a Chase credit card, you can also call the number on the back of your card.

You can also reach out to Chase’s support team through social media on Facebook and @ChaseSupport on Twitter.

Interested in refinancing student loans?

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1 Important Disclosures for Earnest.

Earnest Disclosures

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest fixed rate loan rates range from 3.89% APR (with Auto Pay) to 6.97% APR (with Auto Pay). Variable rate loan rates range from 2.47% APR (with Auto Pay) to 6.23% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of Month/Day/Year, and are subject to change based on market conditions and borrower eligibility.

Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/21/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at hello@earnest.com, or call 888-601-2801 for more information on ourstudent loan refinance product.

© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.


2 Important Disclosures for Laurel Road.

Laurel Road Disclosures

Savings example: average savings calculated based on single loans refinanced from 9/2013 to 12/2017 where borrowers’ previous rates were disclosed. Assumes same loan terms for previous and refinanced loans, and payments made to maturity with no prepayments. Actual savings for individual loans vary based on loan balance, interest rates, and other factors.

Application detail: 5 minutes indicates typical time it takes to complete application with applicant information readily available. It does not include time taken to provide underwriting decision or funding of the loan.

Instant rates mean a delivery of personalized rates for those individuals who provide sufficient information to return a rate. For instant rates a soft credit pull will be conducted, which will not affect your credit score. To proceed with an application, a hard credit pull will be required, which may affect your credit score.

Total savings calculated by aggregating individual average savings across total borrower population from 9/2013 to 12/2017. Individual average savings calculation based on single loans refinanced from 9/2013 to 12/2017 where borrowers’ previous rates were provided. Assumes same loan terms for previous and refinanced loans, and payments made to maturity with no prepayments. Actual savings for individual loans vary based on loan balance, interest rates, and other factors.


3 Important Disclosures for SoFi.

SoFi Disclosures

  1. Student loan Refinance:Fixed rates from 3.899% APR to 7.804% APR (with AutoPay). Variable rates from 2.470% APR to 6.990% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.470% APR assumes the current index rate derived from the 1-month LIBOR of 2.08% plus 0.64% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score.
  2. Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org)

4 Important Disclosures for LendKey.

LendKey Disclosures

Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.


5 Important Disclosures for CommonBond.

CommonBond Disclosures

  1. Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). The following table displays the estimated monthly payment, total interest, and Annual Percentage Rates (APR) for a $10,000 loan. The Annual Percentage Rate (APR) shown for each in-school loan product reflects the accruing interest, the effect of one-time capitalization of interest at the end of a deferment period, a 2% origination fee, and the applicable Repayment Plan. All loans are eligible for a 0.25% reduction in interest rate by agreeing to automatic payment withdrawals once in repayment, which is reflected in the interest rates and APRs displayed. Variable rates may increase after consummation. All variable rates are based on a 1-month LIBOR assumption of 2.08% effective July 25, 2018.

6 Important Disclosures for Citizens Bank.

Citizens Bank Disclosures

  1. Education Refinance Loan Rate DisclosureVariable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of October 1, 2018, the one-month LIBOR rate is 2.22%. Variable interest rates range from 2.72%-8.32% (2.72%-8.32% APR) and will fluctuate over the term of the borrower’s loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a cosigner. Fixed interest rates range from 3.75%-8.69% (3.75%-8.69% APR) based on applicable terms, level of degree earned and presence of a cosigner. Lowest rates shown require application with a cosigner, are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan.
  2. Federal Loan vs. Private Loan Benefits: Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer with the Education Refinance Loan. Borrowers should carefully review their current benefits, especially if they work in public service, are in the military, are currently on or considering income based repayment options or are concerned about a steady source of future income and would want to lower their payments at some time in the future. When the borrower refinances, they waive any current and potential future benefits of their federal loans and replace those with the benefits of the Education Refinance Loan. For more information about federal student loan benefits and federal loan consolidation, visit http://studentaid.ed.gov/. We also have several resources available to help the borrower make a decision at http://www.citizensbank.com/EdRefinance, including Should I Refinance My Student Loans? and our FAQs. Should I Refinance My Student Loans? includes a comparison of federal and private student loan benefits that we encourage the borrower to review.
  3. Citizens Bank Education Refinance Loan Eligibility: Eligible applicants may not be currently enrolled. Applicants with an Associate’s degree or with no degree must have made at least 12 qualifying payments after leaving school. Qualifying payments are the most recent on time and consecutive payments of principal and interest on the loans being refinanced. Primary borrowers must be a U.S. citizen, permanent resident or resident alien with a valid U.S. Social Security Number residing in the United States. Resident aliens must apply with a cosigner who is a U.S. citizen or permanent resident. The cosigner (if applicable) must be a U.S. citizen or permanent resident with a valid U.S. Social Security Number residing in the United States. For applicants who have not attained the age of majority in their state of residence, a cosigner will be required. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Education Refinance Loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, certification of borrower’s student loan amount(s) and highest degree earned.
  4. Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.
  5. Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount.
  6. Co-signer Release: Borrowers may apply for co-signer release after making 36 consecutive on-time payments of principal and interest. For the purpose of the application for co-signer release, on-time payments are defined as payments received within 15 days of the due date. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for the co-signer release. Borrowers must complete an application for release and provide income verification documents as part of the review. Borrowers who use deferment or forbearance will need to make 36 consecutive on-time payments after reentering repayment to qualify for release. The borrower applying for co-signer release must be a U.S. citizen or permanent resident. If an application for co-signer release is denied, the borrower may not reapply for co-signer release until at least one year from the date the application for co-signer release was received. Terms and conditions apply.
  7. Estimated average savings amount is based on 14,659 Education Refinance Loan customers who saved on loans between August 1, 2017 and July 31, 2018. The calculation is derived by averaging monthly savings across Education Refinance Loan customers whose payment amounts decreased after refinancing, calculated by taking the monthly payment prior to refinancing minus the monthly payment after refinancing. We excluded monthly savings from customers that exceeded $4,375 and were lower than $20 to minimize risk of data error skewing the savings amounts. Savings will vary based on interest rates, balances and remaining repayment term of loans to be refinanced. Borrower’s overall repayment amount may be higher than the loans they are refinancing even if monthly payments are lower.

2.47% – 6.99%3Undergrad
& Graduate
Visit SoFi
2.47% – 6.23%1Undergrad
& Graduate
Visit Earnest
2.47% – 8.03%4Undergrad
& Graduate
Visit Lendkey
2.95% – 6.37%2Undergrad
& Graduate
Visit Laurel Road
2.48% – 6.25%5Undergrad
& Graduate
Visit CommonBond
2.72% – 8.32%6Undergrad
& Graduate
Visit Citizens
Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality and will make a positive impact in your life. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print understand what you are buying, and consult a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time. Please do your homework and let us know if you have any questions or concerns.