The best Chase credit card for students is the Chase Freedom® Student credit card. This card gives 1% cash back on all purchases and has a $0 annual fee. Also, you earn $50 after your first purchase made in the first 3 months. Plus, keeping your account in good standing by paying your monthly bills on time is good for a $20 bonus each year for up to five years.
Those rewards rates and fees are pretty good, though not quite on par with the best student credit cards on the market right now.
Fortunately, there are a lot of good options to consider. Despite having little credit experience, college students can expect better-than-average rates, fees, and rewards because they have high earning potential and many years of financial needs ahead of them. Banks want to get in early, in other words. And you can take advantage of that by getting a great student credit card and saving lots of money.
The best Chase unsecured credit card is Chase Freedom Unlimited®. It's a great all-rounder that offers extensive cash back rewards coupled with an attractive financing offer and a $0 annual fee. Chase Freedom Unlimited offers 5% cash back on travel through Chase, 3% back at restaurants and drugstores, and 1.5% back on all other purchases (plus an additional 1.5% cash back on everything, up to $20,000 spent the first year).… read full answer
The majority of Chase credit cards are designed specifically for customers with good credit or better. Chase offers some of the most sought-after credit cards on the market. But which one is the best can be viewed as a matter of personal preference, depending on your individual needs.
Here are the best Chase unsecured credit cards:
Best Overall: Chase Freedom Unlimited®. Offers rewards consisting of 5% cash back on travel through Chase, 3% back at restaurants and drugstores, and 1.5% back on all other purchases (plus an additional 1.5% cash back on everything, up to $20,000 spent the first year). Introductory purchase APR of 0% for 15 months (15.24% - 23.99% (V), based on creditworthiness, thereafter). $0 annual fee. The credit score requirement is 700 at a minimum. That means you need good credit or better for approval.
Best for Travel: Chase Sapphire Preferred® Card. Offers 80,000 bonus points for spending $4,000 in the first 3 months. Earns 5 points per $1 spent on travel purchased through Chase, 2 points per $1 on all other travel purchases, 3 points per $1 on dining and online grocery purchases, 3 points per $1 on select streaming services, and 1 point per $1 on all other purchases. $0 foreign transaction fee. $0 annual fee. The credit score requirement is 700 at a minimum. That means you need good credit or better for approval.
Best for Cash Back: Chase Freedom Flex℠. While similar to the Chase Freedom Unlimited, Chase Freedom Flex will be the better option for those with changing spending habits, due to its rotating bonus categories. Offers $200 for spending $500 in the first 3 months. Earns 5% cash back on up to $1,500 spent per quarter in bonus categories (which change every quarter and require activation), 5% cash back on travel through Chase, 3% back at restaurants and drugstores, and 1% back on all other purchases. Introductory purchase APR of 0% for 15 months (15.24% - 23.99% (V), based on creditworthiness, thereafter). $0 annual fee. The credit score requirement is 700 at a minimum. That means you need good credit or better for approval.
Best for Students: Chase Freedom® Student credit card. Offers $50 after your first purchase made in the first 3 months. Earns 1% cash back on all purchases. $0 annual fee. Students with limited credit (less than 3 years of credit history) are eligible for approval.
The Chase Freedom Flex credit score requirement is 700 or higher, which means you need good credit or better for good odds of approval. It may be possible to get approved for the Chase Freedom Flex card with a slightly lower credit score if you have a lot of income and little debt, but the higher your credit score is, the better your approval odds will be.… read full answer
If you’re unsure of where you stand, you can check your latest credit score for free on WalletHub, the only site where credit scores and reports update daily.
It’s also important to note that just having a high credit score isn’t necessarily enough to get you approved, and it’s still possible to be approved with lower credit scores. It all depends on Chase’s evaluation of your entire credit situation. A multitude of different factors go into your approval or rejection.
Key things to know about the Chase Freedom Flex℠ credit score requirements:
A good credit score of 700+ gives good approval odds. Around 43% of people have credit scores of 700+ and if you’re not one of them, taking a few months to improve your credit could be the difference between being approved and rejected.
Chase Freedom Flex approval depends on income and debt, too. The more money you have at your disposal, the more you can afford to put toward paying off credit card bills. But debt hurts your chances. If too much of your money is already earmarked for other debt obligations, your odds of getting approved for Chase Freedom Flex will be lower.
Don’t rely on anecdotal evidence. Even if someone reports getting approved for Chase Freedom Flex with a credit score under 700, it doesn't mean you will get the same treatment. It depends on your overall credit profile, including income, credit score, and credit utilization.
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