Chase Credit Journey – How to Check Your Credit Score for Free

One of the most important things to know before opening a credit card or applying for a loan is your credit score.

You can check your credit score for free each year from all 3 credit bureaus (Experian, TransUnion, and Equifax), but it’s good to know your number outside of those times.

If your score is good, then you’re all set. If it’s lower than you would like, then you can work to improve your credit score before you take out a new line of credit.

In this article, here is another way to keep tabs on your score: Chase Credit Journey.

What Is Chase Credit Journey?

Chase Credit Journey is a free tool offered by Chase that allows you to keep track of your credit score and credit report activity.

The score you see on Chase Credit Journey is the VantageScore 3.0 by TransUnion. This is different than a FICO score, but it’s just as valid. There are different providers, so your score can sometimes vary between the 3 different credit bureaus — that’s totally normal and nothing to worry about.

Hot Tip: To view your full detailed credit report, go to annualcreditreport.com. You can view your report for free once a year from all 3 credit bureaus. It’s a good idea to check your full report each year even if you are using Chase Credit Journey.

How Do I Use Chase Credit Journey?

To access Chase Credit Journey, you’ll need to log in to your Chase online account. Then scroll down until you see Your credit score on the left side. Click on Free score, updated weekly to access Chase Credit Journey.

Your Chase Credit Journey home page will prominently display your credit score; the page view defaults to your current credit score. However, if you would like to see the history of your score, click on Over Time to see a graph of the previous 6 months’ activity.

Hot Tip: Using Chase Credit Journey will not affect your credit score.

How Your Credit Score Works

Your Chase Credit Journey credit score is based on 6 main criteria:

1. Late payments (or payment history): Late payments are usually reported if they are more than 30 days past due, and will be visible on your credit report for 7-10 years.
2. Age of oldest account: It’s good to show that you have been responsible with credit for a long time, so your oldest account’s age is important. If you close your oldest account, your score could be negatively impacted.
3. Credit usage (or credit utilization ratio): This is the percent of your current credit limit that you are using. You want a low number here — it shows creditors that you don’t max out your available credit. Generally, a ratio under 30% is considered good.
4. Hard inquiries: This is the number of requests that have been made to see your credit history in the previous 2 years. These are often called “hard pulls,” and they happen when you open a new credit card or apply for a loan. An inquiry number of 6 or more is considered poor, but this factor doesn’t have a huge impact on your score.
5. Total balance: This is the current amount owed over all lines of credit. While it’s good to keep this number low, keep in mind this includes things like mortgages, so it can be high without having a negative effect on your credit score.
6. Available credit: This is the current amount of unused credit you have over all of your accounts. The number itself isn’t as important as the utilization ratio. You may have a lot of available credit, but as long as you aren’t using it all, it’s OK for this number to be big.

These 6 factors all combine to determine your credit score, which will range between 300-850.

If you look under your credit score, you will see these 6 factors listed for your account. If you want to see anything in more detail, click on Explore factor details.

From here you will be able to see the details relating to your credit score. Choose a different aspect of your score to view by using the menu at the left.

Score Simulator

The Chase Credit Journey score simulator is a fun tool to help you understand how different factors affect your credit score. To use this tool, just scroll down the main page and click on Try our Score Simulator.

You will see your current score along with your simulated score. To adjust the simulated score, use the factors listed below the scores. Adjust the factors to see how your credit will be affected by things like opening a new credit card, making a late payment, or taking out a mortgage.

How to Access Chase Credit Journey Through the Mobile App

You can sign on to Chase Credit Journey through the Chase mobile app if you have a personal account. Those who only have business accounts won’t be able to access Credit Journey through the Chase mobile app.

First, log on to your Chase account through the mobile app. Then scroll down and click on Credit score. From here you will be able to see your credit score and all of the other features of Chase Credit Journey.

Hot Tip: You can use Chase Credit Journey even if you aren’t a current Chase customer. If you don’t have a Chase account, use this link to access and sign up for Chase Credit Journey.

The Benefits of a Good Credit Score

Having a good credit score comes with lots of benefits. A good or excellent score is generally considered to be 700 or above.

• 750 or higher – Excellent
• 700 to 749 – Good
• 650 to 699 – Fair
• 600 to 649 – Poor
• Below 600 – Extremely Poor

A good or excellent credit score will help you get the best terms and lowest interest rates on loans, plus it allows you to apply for premium credit cards with outstanding benefits.

Hot Tip: If your credit score isn’t great, you might want to look at credit card options for people with bad credit. Using one of these cards wisely is a great way to help build your credit history and raise your score.

The Best Credit Cards for Good or Excellent Credit Scores

Having great credit allows you to apply for some awesome credit cards with premium benefits. Here are some of our favorites:

+ NEW BENEFITS

Terms Apply / Rates & Fees

Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Platinum Card^® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Welcome Offer

You may be eligible for as high as 175,000 Membership Rewards^® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

As High As 175,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $3,850

Annual Fee

$895

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than the Platinum Card^® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros & Cons

Pros

• The best airport lounge access out of any card (by far) — enjoy access to over 1,550 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges (enrollment required), Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com

Cons

• $895 annual fee (rates and fees)
• Airline credit does not cover airfare (only incidentals like checked bags)

Read Full Review

Card Highlights

• You may be eligible for as high as 175,000 Membership Rewards^® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Get more for your travels with 5X Membership Rewards^® points on all flights and prepaid hotel bookings through American Express Travel^®, including Fine Hotels + Resorts^® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel^® on up to $500,000 on these purchases per calendar year.
• More Value! With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection^®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club^® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
• More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card^® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card^® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card^® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
• More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card^® at participating partners. Enrollment required.
• More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts^® or The Hotel Collection* bookings through American Express Travel^® using the Platinum Card^®. *The Hotel Collection requires a minimum two-night stay.
• New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card^® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card^®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
• More Value! $209 CLEAR^® Plus Credit: CLEAR^® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card^®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card^® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
• Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts^® through American Express Travel^®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
• New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card^® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
• $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card^®.*Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
• $100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card^®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
• Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
• $895 annual fee.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

NEW OFFER

Terms Apply / Rates & Fees

Chase Sapphire Reserve^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Apply Now(at Chase's secure site)

Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Welcome Offer

Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

125,000 points

UP's Offer Valuation*:

$2,500

Annual Fee

$795

APR

19.99% - 28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options.

The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons

Pros

• 8x points on all Chase Travel purchases
• 5x points on Lyft rides
• 4x points on flights and hotels booked directly

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
• Get more than $2,700 in annual value with Sapphire Reserve.
• Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge^® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck^® every 4 years
• Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
• Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
• Member FDIC

Financial Snapshot

• APR: 19.99% - 28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

Bottom Line: Having a great credit score opens the door to premium credit cards with excellent benefits. Check out our guide to credit cards for good to excellent credit scores for more options.

Final Thoughts

Good credit is important to have if you are going to open a credit card or apply for a loan. The first step in having good credit is knowing what your credit score is.

Chase Credit Journey is a free tool you can access through your Chase account that allows you to check your credit score at any time. You’ll be able to get a quick overview of your credit health and see ways to make improvements.

The great thing about Chase Credit Journey is that it doesn’t make a hard pull on your credit, so you can check it often without affecting your score.