What is the best Chase student credit card?

The best Visa credit card for students is Journey Student Rewards from Capital One because it has great cash back rewards, gives you extra for paying on time and doesn’t charge an annual fee. But there are a lot of good options to consider. For example, Bank of America® Cash Rewards Credit Card for Students is great for 0% interest at the start, and the Bank of America® Travel Rewards Credit Card for Students has terms well-suited to study abroad.… read full answer

In general, 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.

Best Visa Credit Cards for Students

• Most Cash Back – Journey Student Rewards from Capital One: The normal cash back rate is 1% but you can get 1.25% if you pay your bill on time. There’s no annual fee and you don’t need a credit history in order to be approved.
• Intro APR – Bank of America® Cash Rewards Credit Card for Students: This card won’t charge you any interest for 12 months, both on purchases and on balance transfers. You get 3% cash back on your first $2,500 in gas, 2% at grocery stores and wholesale clubs, and 1% on everything else. There’s also a $200 bonus when you spend $1,000 in the first 90 days. And there’s no annual fee, nor do you need a credit history.
• Travel Benefits – Bank of America® Travel Rewards Credit Card for Students: If you’re planning to travel often, this card is for you. You get unlimited 3 points / $1 at the Bank of America Travel center and 1.5 points / $1 on all other purchases. And you get 25,000 bonus points when you spend $1,000 in purchases in the first 90 days. The card doesn’t have an annual fee and there’s no credit history necessary for approval.
• Bonus Cash Back – Wells Fargo Cash Back College℠ Card: This card gives 3% cash back on gas, grocery and drugstore purchases for the first 6 months. After that, you’ll earn 1% back on all purchases. The Wells Fargo Cash Back College card doesn’t charge an annual fee.

Any of these choices are good for students, but Journey Student Rewards and Bank of America Cash Rewards are probably the best two because they offer cash back rewards and don’t charge annual fees. You’ll be able to get the most consistent value out of them. But it’s good to look at cards from networks other than Visa, too. Some of the best choices include Discover it® Student Cash Back and the Capital One Secured Mastercard.

There is no Chase unsecured credit card for bad credit available at this time. In fact, Chase does not offer any starter credit cards, unsecured or secured, for people with less than good credit.

The majority of Chase credit cards are designed specifically for customers with good to excellent credit. Chase offers some of the most sought-after credit cards on the market. Those include the Freedom, Freedom Unlimited; and the Sapphire Preferred and Reserve cards. All require an excellent credit score to qualify.… read full answer

The Ink Business Preferred and Cash business cards are among the best in its class, and the co-branded IHG Rewards Club Premier is a highly-regarded hotel rewards card.

Simply put, if you’re in the market for an unsecured credit card for bad credit, Chase would be one of the least likely places to begin your search. There are plenty of options out there from other issuers, though. First Access VISA, Indigo Mastercard are among the cards targeted for people with bad credit.

But an unsecured credit card for bad credit can be costly. Annual fees are inevitable, and some cards, such as the First Access VISA charge a $6.25 monthly fee after the first year.

Unless you have your heart set on an unsecured card, you’d likely be better off with a secured card. The Capital One Platinum and Discover it Secured cards require a deposit to establish your line of credit, and may provide an opportunity to transition to an unsecured credit card if you consistently make your payments on time. Plus, you’ll receive your deposit back in full when you close your account in good standing.

The Chase Freedom Flex℠ credit score requirement is 700+, or good-to-excellent credit. 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.

Here’s what you should know about Chase Freedom Flex℠'s credit score requirement:

1. 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.
2. Chase Freedom Flex℠ approval depends on income, 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.
3. 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.