Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.
Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, deta...
With years of experience in corporate marketing and as the Executive Director of the American Chamber of Commerce in Qatar, Keri is now Editor-in-Chief at UP, overseeing daily content operations and r...
We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.
It goes without saying that the better your credit score, the more likely you’ll be approved for the best reward-earning credit cards. And while your credit score is one of the most important factors for approval, when it comes to applying for a Chase credit card, there are additional factors taken into consideration.
Chase does things a bit differently, applying its own, sometimes unpublished, rules for card qualification.
While nothing is absolute, today we’ll attempt to lay the foundation of the core requirements you’ll need for Chase to consider you as a cardholder.
Let’s get started.
The Value of a Chase Relationship
Establishing a relationship with Chase can be the beginning of creating long-term value that can serve you financially throughout your lifetime.
Let’s start by exploring the reasons you might want to consider jumping through the hoops of securing a Chase credit card.
Credit Card Earning, Redemption, and Travel & Shopping Benefits
First, Chase issues some of the most valuable credit cards available.
While earning power and benefits vary by card, here are some of the overall attributes that make Chase cards desirable:
Earn Flexible Points That Can Be Redeemed for Cash — Chase cards earn Ultimate Rewards points that can be redeemed for statement credits or even cash-back.
Redeem for up to 50% More Value — Premium Chase cards allow you to redeem points for travel via the Chase travel portal at up to 50% more in value.
Transfer Points to Travel Partners — Ultimate Rewards points can be transferred to Chase airline and hotel partners for even greater potential value.
Travel Benefits and Protections — Chase cards come with valuable travel benefits such as car rental insurance, trip interruption/cancellation/delay coverage, baggage insurance, and more.
Shopping Benefits and Protections — Qualifying items purchased with your card may receive coverage such as purchase protection and extended warranty.
Statement Credits — Some Chase cards come with statement credits for travel purchases.
Additional Banking Services
In addition to providing a wide range of credit card options to fit any lifestyle or business operation, Chase offers the following additional banking products and services:
Bottom Line: Whether you’re a college student, young entrepreneur, homeowner, or business owner, establishing the beginning of a financial relationship with a Chase credit card can create benefits that can last a lifetime.
Minimum Requirements for Chase Credit Cards
You will need a good to excellent score to secure a Chase credit card. Image Credit: Experian
What We Know for Sure
There are certain requirements that are critical to getting approved for a Chase credit card:
A Good to Excellent Credit Score — While the terminology can vary by credit bureau, you will generally need to have a good to excellent credit score to secure a Chase credit card. Experian, one of the top credit bureaus, states that a score of 670 or above is “generally considered good” and a “score of 800 or above is considered to be excellent.”
Sufficient Income — Chase will want to verify sufficient income to determine your ability to pay and to calculate the amount of your credit card limit.
A U.S. Address and Social Security Number — You will need a U.S. address and a social security number or EIN number (for business cards) to be approved for a Chase credit card.
Requirements Based on Data Points
While not published requirements, we know, based on the experience of those who have applied and been denied, that you will also need to meet the following to be considered for a Chase credit card.
No More Than 5 Credit Cards, From Any Issuer, Issued Within the Past 24 Months — Also known as the 5/24 rule, Chase will not issue a new card if you have exceeded this guideline.
30-Day Chase Card Limits — If you have opened 2 or more personal Chase cards, or 1 business Chase card, in the past 30 days, you are likely to be denied.
Optional, But Potentially Helpful
Having an existing relationship with Chase is not necessary for card approval. However, having a current positive relationship with Chase, such as a mortgage, savings or checking account, or other financial relationship, could weigh positively on your chances for approval. Logging in to an existing account prior to applying for a Chase credit card can also expedite the application process as parts of the application will auto-fill.
In addition to the above-mentioned criteria, Chase will review your payment history, credit utilization, and other information found on your credit report or application, to determine eligibility.
Bottom Line: At a minimum, you will need to have at least a good to excellent credit score, sufficient income, and be under 5 total new credit cards in the last 24 months to qualify for the best Chase credit cards.
Applying for a Chase Credit Card
Know your credit score before you apply for any credit card. Image Credit: danielfela via Shutterstock
Fortunately, there is a step you can take to find out if you have existing Chase card offers available to you without actually completing a credit card application.
Check To See if You Have Offers
For a risk-free way to see if you have Chase card offers waiting for you, you can utilize the CardMatch tool.
There is no credit check on your credit report and the process is simple to complete with quick results.
While having Chase card offers available to you does not guarantee you’ll be approved for those cards, it will give you an idea of the cards for which you’re more likely to get approved.
Chase also has a similar tool specific to its card offers.
Know Your Credit History
Even if you’re prequalified for a specific card, you’ll want to know your credit score prior to applying to understand your chances for approval. You can obtain a free copy of your credit report via annualcreditreport.com.
While credit reports can give you your credit history, these reports do not normally contain your credit score. If you have an existing credit card, you may be able to access your score via the card’s website or you can use Credit Karma.
Chase does not offer a credit card product that caters to those who have no credit or poor credit. However, there are plenty of card issuers who do offer cards for which you can get approved if you are in this situation.
Bottom Line: Prior to applying for any credit card, you can check for existing offers using the CardMatch tool or, if available, the specific card issuer’s pre-approval site. You should also know your credit score to help determine your chances of approval.
Best Chase Personal Credit Cards for Good to Excellent Credit
Chase credit cards make it easy to earn rewards that can be redeemed for travel. Image Credit: Intrepid Travel
You will need an excellent credit score to qualify for these Chase credit cards:
The rating for this card has been determined by our own industry experts who know the in's and out's 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 fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
60,000 points
$1,200
$95
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 cardapplication.
Good to Excellent (670-850)
The Chase Sapphire Preferred® card is one of the best travel rewards cardson the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.
Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.
Pros
5x points on all travel booked via the Chase Ultimate Rewards portal
5x points on select Peloton purchases over $250 (through March 31, 2025)
5x points on Lyft purchases (through March 31, 2025)
3x points on dining purchases, online grocery purchases, and select streaming services
2x points on all other travel worldwide
$50 annual credit on hotel stays booked through the Chase Ultimate Rewards portal
6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
Excellent travel and car rental insurance
10% annual bonus points
No foreign transaction fees
1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
Complimentary Spot Club Platinum status with The Parking Spot for 2 years, 20% off of your first reservation, and points for 1 free day of parking (enroll by October 26, 2023)
Cons
$95 annual fee
No elite benefits like airport lounge access or hotel elite status
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
A great first card to consider if you have excellent credit, the Chase Sapphire Preferred card offers a generous welcome bonus, earns flexible Ultimate Rewards points, and has travel redemption options that deliver 25% more in value. You can also transfer points to travel partners for potentially even more value.
The rating for this card has been determined by our own industry experts who know the in's and out's 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 3x points on travel and dining while offering top luxury perks.
A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000 points
$1,200
$550
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 cardapplication.
Excellent (740-850)
If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.
The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options. Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.
Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!
Pros
10x points on car rentals, hotels, and dining booked via the Chase Ultimate Rewards portal
10x points on Lyft purchases March 31, 2025
10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
5x points on airfare booked via the Chase Ultimate Rewards portal
3x points on all other travel and dining purchases; 1x point on all other purchases
$300 annual travel credit
Priority Pass airport lounge access
TSA PreCheck, Global Entry, or NEXUS credit
Access to Chase Luxury Hotel and Resort Collection
Rental car elite status with National and Avis
Cons
$550 annual fee
Does not offer any sort of hotel elite status
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
1:1 point transfer to leading airline and hotel loyalty programs
Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Key redemption features include receiving 50% more in value when redeeming Ultimate Rewards points for travel and the ability to transfer points to travel partners for even more potential value.
The rating for this card has been determined by our own industry experts who know the in's and out's 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.
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
SPECIAL OFFER: Unlimited Matched Cash Back. Chase will automatically match all the cash back you earned at the end of your first year! There is no limit to how much cash back you can earn.
Matched Cash Back
$0
0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
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 cardapplication.
Good to Excellent (670-850)
The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.
When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.
Pros
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
5% back on travel purchased through Chase Ultimate Rewards
3% back on dining and drugstore purchases
1.5% back on all other purchases
No annual fee
Earn big on travel purchased through Chase Ultimate Rewards
Everyday bonus on dining and drugstores
Straightforward cash-back on all other purchases
Ability to pool points
Cons
3% foreign transaction fee
SPECIAL OFFER: Unlimited Matched Cash Back. Use your card for all your purchases and at the end of your first year, Chase will automatically match all the cash back you earned! There is no limit to how much you can earn. Every dollar in cash back rewards you earn is a dollar Chase will match.
Unlimited 1.5% cash back is just the beginning of what you can earn. You’ll enjoy 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 1.5% cash back on all other purchases.
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% – 29.24%.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Member FDIC
Financial Snapshot
APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars
The rating for this card has been determined by our own industry experts who know the in's and out's 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 Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
$200
$0
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 cardapplication.
Good to Excellent (670-850)
The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.
The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.
Pros
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
No annual fee
Excellent cell phone insurance
Ability to pool points
Mastercard World Elite benefits
Cons
3% foreign transaction fees in U.S. dollars
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
The Freedom Unlimited card and the Freedom Flex card are great first Chase credit cards due to the lack of an annual fee, elevated earning opportunities, and travel/shopping protections and benefits.
The rating for this card has been determined by our own industry experts who know the in's and out's 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 Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash-back or $1,250 toward travel when redeemed through Chase Ultimate Rewards.
100,000 points
$2,000
$95
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 cardapplication.
Good to Excellent (670-850)
The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.
Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.
Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.
Pros
3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
Cell phone protection
Purchase protection
Trip cancellation and interruption insurance
Rental car insurance
Extended warranty coverage
Cons
No elite travel benefits like airport lounge access
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
One of our favorite Chase business card picks, the Ink Business Preferred card offers elevated 3x earnings on many common business expenses. The card also earns valuable Ultimate Rewards points that can be redeemed for 25% more in value toward travel purchases on the Chase travel portal. You may also receive even greater value when transferring to airline and hotel partners.
We also like that the card offers cell phone protection and other travel/shopping benefits.
You’ll need an excellent credit score to qualify for the Ink Business Preferred card.
The rating for this card has been determined by our own industry experts who know the in's and out's 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.
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
$900
$900
$0
0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
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 cardapplication.
Good to Excellent (670-850)
The Ink Business Cash® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.
When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.
Pros
Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
Travel insurance and purchase protection
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Employee cards at no additional cost
No annual fee
Cons
Spending caps in bonus categories
Low points earning outside of bonus categories
3% foreign transaction fees
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
0% introductory APR for 12 months on purchases
Member FDIC
Financial Snapshot
APR: 0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars
The rating for this card has been determined by our own industry experts who know the in's and out's 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 Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$900
$900
$0
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
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 cardapplication.
Good to Excellent (670-850)
As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.
If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.
Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Pros
1.5% cash-back on all purchases
No annual fee
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Employee cards at no additional cost
Earn flexible rewards
Cons
3% foreign transaction fee
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Member FDIC
Financial Snapshot
APR: 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Designed specifically to meet the needs of small businesses, the Ink Business Cash card and Ink Business Unlimited card offer generous welcome bonuses and earn valuable Ultimate Rewards points. The cards also offer introductory 0% APR periods to help you facilitate the repayment of purchases over time without interest.
You’ll be able to keep these no-annual-fee cards indefinitely to establish a credit history and later pair with premium Chase cards to elevate redemption values as much as 50% greater when redeemed for travel.
You’ll need a good to excellent credit score to qualify for either card.
Bottom Line: While the best Chase credit cards require an excellent credit score, the issuer does offer both personal and business cards that can be secured with a good or very good credit score.
Reconsideration Line
Even if you meet the guidelines, it’s possible that Chase could deny your application or require additional information before approving you for a card.
If you do receive a denial or a delay in getting a response to your application, you may want to call Chase to discover the reason. You can then provide additional information that might initiate a reconsideration or expedite an approval.
While we’ve given you our take on the minimum requirements necessary to get approved for a Chase credit card, Chase will have the ultimate say and could make a decision that is contrary to these guidelines.
Your best chance for approval for a Chase credit card is to know your credit score and obtain a copy of your credit report to ensure it is accurate and there are no errors. Additionally, you’ll want to have less than 5 opened credit cards in the past 24 months, and have sufficient income to pay your obligations.
And if you do get denied, make an effort to speak with Chase to clarify the reason and offer any additional information that could help alter that decision.
While 1 credit card is a small step towards a relationship with Chase, an ongoing long-term relationship with the financial institution is a valuable asset that can serve you for years to come.
The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Featured Image Credit: Upgraded Points
Frequently Asked Questions
What credit score do I need for a Chase credit card?
You will generally need to have a good credit score to get the best Chase credit cards. Experian states that a good score is 670 or above.
Do I need a Chase account to get a Chase credit card?
Having a Chase bank account is not a requirement for getting approved for a Chase credit card. However, if you do have an existing relationship with Chase, you can log in to your account before applying and it will make the application process faster.
Does Chase have instant approval?
Yes, you should receive an answer within 60 seconds of submitting your application. You could receive approval, a denial, or a message that Chase wants to further review your application.
Does Chase do a credit check when I apply for a card?
Yes. When you submit the credit card application to Chase, you will be agreeing to allow Chase to access your credit. This action will code as a hard inquiry on your credit report.
Does Chase have secured credit cards?
No. Chase does not offer a secured credit card product.
Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.