Chase credit card approval odds are best for people with a good or excellent credit score of 700+, an annual income of $50,000+, and relatively little debt. Applicants will also need to be 18+ years old with a U.S. mailing address and an SSN or ITIN to get a Chase credit card.
Credit Requirements for Good Chase Credit Card Approval Odds
While credit scores are very important, Chase credit card approval depends on several other factors as well. For example, applicants need to have enough income to make payments on the card. Chase will also look at your monthly housing costs and existing debts when considering your application.
If you want to get a better sense of your approval odds before applying for a Chase credit card, you can always check to see if you’re pre-qualified for any offers on the Chase website. Pre-qualifying does not guarantee approval, but it does indicate that you have pretty good odds of getting approved for certain cards, and it won’t affect your credit score.
The Chase credit card credit score requirement is "good" (a score of 700, at a minimum) or "excellent" (a score of 750, at a minimum), depending on the card. Most Chase cards require at least good credit (a score of 700+), including the Amazon.com Credit Card, the Chase Freedom Flex℠card, and the Ink Business cards. There are also several Chase credit cards that require excellent credit, including the … read full answerChase Sapphire Reserve® card. Chase does not offer credit cards for fair credit or lower credit scores at this time.
It is possible to get approved for a Chase credit card with a credit score lower than 700. Your chances are best if you have a high income and not much debt. Chase also looks at your employment status, housing information, credit history, payment history and more. These factors, combined with your credit score, will ultimately determine your creditworthiness. But the higher your credit score is above 700, the better your Chase credit card approval odds will be.
Major Chase credit card credit score requirements:
Chase hotel cards: Good Credit. World of Hyatt Credit Card, for instance, requires a credit score of 700 at a minimum. That means you need good credit or better for approval.
Most Chase airline cards: Good Credit. United Quest℠ Card, for instance, requires a credit score of 700 at a minimum. That means you need at good credit or better for approval.
Be sure to check your credit score regularly to assess your chances of meeting the Chase credit card credit score requirements. Chase also has an online pre-approval tool that gives you an indication of how well your credit stacks up without having to formally apply.
You'll know within seconds if you're pre-approved for any Chase credit cards. There's no guarantee you'll be approved if you apply, but the odds are on your side. Pre-approvals are done using a soft inquiry or "soft pull" on your credit report, which means there's no effect on your credit score. However, if you decide to actually apply for a card, Chase will perform a hard inquiry, which may cause a slight dip in your credit score.
The easiest Chase credit card to get is the Chase Freedom® Student credit card because applicants can get approved with limited credit. This means the odds of approval are good even for people who are new to credit. On the other hand, the majority of Chase credit cards require good to excellent credit in order to qualify.… read full answer
Having one of these Chase credit cards may increase your chances of landing a higher-tier credit card in the future, if you use it responsibly. That means paying your bill on time every month and keeping your credit utilization below 30% of your credit limit.
Here are the best non-Chase credit cards for bad credit:
OpenSky® Secured Visa® Credit Card: You probably won’t find an easier card than this. It doesn’t check your credit when you apply. There’s a $35 annual fee and a $200 minimum deposit.
Secured Mastercard® from Capital One: If you want the easy approval of a secured card with a chance of a low deposit, this card is for you. It requires a $49, $99 or $200 minimum deposit, depending on your credit. You get a $200 limit no matter what. And there’s a $0 annual fee.
Discover it® Secured Credit Card: You don’t have to miss out on rewards if your credit is bad. This card gives you 2% cash back on your first $1,000 spent per quarter at restaurants and gas stations and 1% everywhere else. It also matches your cash back after the first year. There’s a $0 annual fee and a $200 minimum deposit.
It’ll take a while to get from bad credit to good credit, where you can apply for Chase credit cards. But it’s definitely doable with a little perseverance. You just have to make your payments on time, keep your utilization low and not build up too much debt, and you’ll be on your way to better scores.
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