Will Chase close a Sapphire card for inactivity?

Chase and premium cards

Chase is generally less aggressive than Citi but more active than Capital One. Reports cluster around 12–18 months of no posted activity. Chase sometimes sends a warning, but not reliably.

Premium cards like Sapphire Preferred or Reserve are not immune. Annual fee cards get more scrutiny for value, but a paid fee alone does not count as transaction activity.

What counts as activity

Any posted purchase, payment, or authorized charge resets the clock. Pending transactions do not count until they post.

A small recurring charge — with autopay on statement balance — is enough. You do not need to put travel spend on a card you are keeping for history.

Suggested cadence for Chase

Charging every 90–120 days is a comfortable buffer based on reported closure windows. Monthly is the safest if you have many Chase cards in the drawer.