Approval odds for 20 Chase credit cards start with a minimum good credit score (700 – 749). Among them are Chase Slate, the Amazon Rewards Visa Signature card, and Ink Business Preferred card. You’ll need an excellent credit score (750+) for six Chase credit cards, including the Freedom and Freedom Unlimited; and Sapphire Preferred and Reserve cards. Chase does not currently offer credit cards for students or for people with fair credit or less.
A good or excellent credit score doesn’t mean you’re automatically approved for a Chase credit card. It is a vital component when reviewing your application, though. Chase will also consider your payment history, employment, income, your level of debt, and other factors.
Here are the Chase credit cards that require an excellent credit score:
Travel (3): Sapphire Preferred; Sapphire Reserve; United TravelBank
Cash back (2): Chase Freedom; Chase Freedom Unlimited
Business (1): Southwest Rapid Rewards Premier Business
Here are the Chase credit cards that require a minimum good credit score:
Travel (6): British Airways Visa Signature card; Southwest Rapid Rewards Plus; Southwest Rapid Rewards Priority; Southwest Rapid Rewards Premier; United Explorer; United MileagePlus Club card.
Business (5): Ink Business Cash; Ink Business Preferred; Ink Business Unlimited credit card; Marriott Rewards Premier Plus Business card; United MileagePlus Explorer Business card.
Hotel (3): IHG Rewards Club Premier Credit Card; World of Hyatt Credit Card; Marriott Rewards Premier Plus.
Rewards (3): Disney Rewards Credit Card; Disney Visa Card; Starbucks Rewards Visa.
Cash Back (2): AARP Credit card; Amazon Rewards Visa Signature Card.
Balance Transfer (1): Chase Slate.
Chase allows you to weigh your credit card approval odds online through its pre-approval status tool. 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 In your favor.
Pre-approvals are generated through a soft inquiry, or “pull,” which means there’s no official review of your credit report. The fewer hard inquiries on your credit report, the better for your overall score. In addition, there’s no limit to the number of times you can check your pre-approval status online.
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