What are the benefits of Chase credit cards?

The best Chase credit card for initial bonus rewards is Chase Sapphire Reserve®, which offers 80,000 bonus points for spending $4,000 in the first 3 months. Chase Sapphire Reserve® also offers bonus rewards of up to 1 - 10 points / $1 spent on purchases, plus an annual travel credit, to help make its $550 annual fee worth paying.

Chase Freedom Flex℠ is the best Chase credit card for bonus rewards on ongoing purchases, giving 1 - 5% cash back. Plus, the Chase Freedom Flex’s initial bonus is $200 for spending $500 in the first 3 months. And this card has a $0 annual fee.… read full answer

Best Chase Credit Cards for Bonus Rewards

There are a handful of universal minimum Chase credit card requirements: 1) an SSN; 2) a U.S. mailing address; 3) enough money for monthly bill payments; 4) good or excellent credit; 5) fewer than five credit cards opened in the last two years (widely rumored but not confirmed); and 6) no bankruptcy on your credit report (widely rumored but not confirmed). In general, Chase credit cards aren't the easiest to get since most require a good or excellent credit score for approval (700 or more).… read full answer

Most of those requirements are pretty standard, although some credit card companies offer cards to people with lower scores. But merely meeting those baseline criteria doesn’t guarantee approval. Each individual Chase credit card has requirements on top of that, which are tailored to identifying the right type of cardholder for that particular offer. For instance, you need at least $10 million in assets to qualify for the J.P. Morgan Reserve Credit Card.

But let’s focus on what you can control: your credit standing and ability to pay. You can easily check how you’re doing in both categories and take steps to improve before applying for a Chase credit card, if necessary. Below, you can find info on the most popular Chase cards’ credit requirements and minimum spending limits. This should help you estimate your approval odds. Seeing which Chase credit cards you’re pre-approved for isn’t a bad idea either.

Chase credit cards that require excellent credit

• Chase Sapphire Reserve®: $550 annual fee, $10,000 minimum limit
• J.P. Morgan Reserve Credit Card: $550 annual fee, no disclosed minimum credit limit

Chase credit cards that require good credit or better

• Chase Freedom Flex℠: $0 annual fee, $500 minimum limit
• Chase Freedom Unlimited®: $0 annual fee, $500 minimum limit
• Chase Sapphire Preferred® Card: $95 annual fee, $5,000 minimum limit
• Ink Business Preferred® Credit Card: $95 annual fee, $5,000 minimum limit
• Ink Business Cash® Credit Card: $0 annual fee, $3,000 minimum limit
• Amazon.com Credit Card: $0 annual fee, $500 minimum limit
• Disney Premier Credit Card: $49 annual fee, $5,000 minimum limit
• 9 other co-branded cards with $5,000 minimum limits

Now you know some of the tests you’ll need to pass to get a card from Chase. But this just scratches the surface of what Chase looks at for approval. They’ll also examine your debts, credit utilization, and a whole host of other factors.

If you have limited or damaged credit, your chances of getting a Chase card are almost none. Instead, I’d recommend the Capital One QuicksilverOne Cash Rewards Credit Card for limited credit rewards, the Journey Student Rewards from Capital One if you’re a college student, and Capital One Quicksilver Secured Cash Rewards Credit Card if you have bad credit.

The easiest Chase credit card to get is the Chase Freedom® Student credit card, but it’s only available to students. Applicants can get approved for this card with limited credit. This means the odds of approval are good even for people who are new to credit, making the Chase Freedom® Student credit card much easier to get than other Chase credit cards.… read full answer

All other Chase credit cards require at least good credit for approval, and some require excellent credit. But while Chase cards aren’t that easy to obtain, there are several other credit cards that are easy to get.

Easiest Credit Cards to Get

Having one of these credit cards may increase your chances of landing a Chase 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.