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 a lot of good options to consider. For example, Bank of America Cash Rewards for Students is great for 0% interest at the start, and the Travel Rewards BofA Student Visa 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.

Here are the 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 $150 bonus when you spend $500 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 per dollar on Amex Travel 1.5 points per dollar on all other purchases. And you get 20,000 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.
• Insurance Benefits – State Farm Bank Student Visa Credit Card. You get 3 points per dollar on up to $4,000 in insurance premium payments per year, and one point per $2 on other purchases. You’ll also get student discounts on various products. There’s no annual fee, and you don’t need a credit history.

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 for Students 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 minimum Chase Freedom credit score is around 680. Chase does not officially disclose a specific credit score needed for approval but instead encourages people with good or excellent credit to apply.

Simply meeting Chase Freedom’s credit score requirement does not guarantee you will be approved for an account. How much income you earn and how much debt you owe will also play a big role in Chase’s decision. The higher your credit score is and the more money you have available for a new line of credit, the higher your Chase Freedom approval odds will be.… read full answer

You can check to see whether you have a Chase Freedom-worthy credit score for free on WalletHub. And you can learn more about what it takes to get approved below.

Chase Freedom Credit Score Needed and Other Approval Requirements:

• Credit Score Needed for Chase Freedom: 680 or so.
• Other Key Factors: Income, assets and existing debt obligations.
• Pre-Approval: You can check to see if you’re pre-qualified for Chase Freedom for free online without hurting your credit. There’s no risk.

In conclusion, you have a good chance of getting the Chase Freedom Card if your credit score is 680 or higher. And the higher your score is above that, the better your odds will be. But approval is not guaranteed even if you have the kind of credit score needed for Chase Freedom.

Other things matter, too, particularly how much money you have available for monthly bill payments. Chase has to feel comfortable that you can handle the monthly payments on a credit line of at least $500 given all the expenses and obligations you already have on your plate.

Fortunately, you can easily check for Chase Freedom pre-approval prior to submitting an application for real. If you’re pre-approved, you’ll know your chances of getting an actual account are good.