What are the top Chase credit card benefits?

Chase credit card limits could be as low as $500 or as high as $15,000+, depending on the card and your overall creditworthiness. The Chase credit card with the highest starting limit is the United MileagePlus Club Card, which has a minimum credit limit of $15,000. Chase Slate has the lowest credit limit minimum, at $500.… read full answer

For certain cards, Chase will approve you for either a Signature or Platinum account. Platinum accounts have lower starting limits than Signature, so applicants with lower credit scores who are approved will get a Platinum account. All individuals approved for Signature accounts should receive a credit limit of at least $5,000.

Chase Credit Card Starting Limits:

• United MileagePlus Club Card: $15,000
• Chase Sapphire Reserve: $10,000
• Chase Sapphire Preferred: $5,000
• Chase Freedom: $500 (Signature: $5,000)
• Chase Freedom Unlimited:$500 (Signature: $5,000)
• United Explorer Card: $5,000
• Chase Ink Business Credit Cards: $3,000-$5,000
• Chase Slate: $500

Since Chase only lists starting limits for their credit cards, you could definitely receive a higher limit. The highest credit limits will go to applicants with excellent credit and high incomes.

You can request a Chase credit limit increase over the phone, by calling 1-800-432-3117. You cannot request a credit limit increase from Chase online right now, but this option has been available in the past. When you call, you simply have to provide some information about your income, debts, other open credit accounts, and anything else Chase happens to ask for more information on. Chase may either approve you immediately or notify you of its decision within a few weeks (via mail and/or email). If you’re approved for a higher limit, the change will take effect right away and should show up on your next statement.… read full answer

To qualify for a Chase credit limit increase, you generally need to pay your bill on time for at least six consecutive months and otherwise manage your finances responsibly. You should also strive to use only a small portion – 30% or less – of your current credit limit. Making sure your income is up to date on your Chase.com account could help, too.

And just so you know, requesting a Chase credit line increase will result in a hard inquiry on your credit report. That means it could lead to a slight, temporary dip in your credit score. But that shouldn’t really matter unless you’re planning to apply for a mortgage or car loan in the next few months.

Here’s how to request a Chase credit limit increase:

• By Phone: Call Chase customer service at 1-800-432-3117. Enter the last four digits of your card number, followed by your zip code. Press “0” to speak with a customer service representative.
• Automatic Increase: Chase may offer you a higher limit if you use your account responsibly. To check, sign into your Chase.com account, click on the menu icon at the top left of the page, and select “Your offers.”
• Online: Chase currently does not allow you to request a higher credit limit online. In the past, you could log into your account on Chase’s credit limit increase page, fill out the form and get an instant decision.

It’s also worth noting that if you don’t get the decision you’re looking for, you can always apply for a new credit card from a different issuer. The issuer’s desire for new business could lead it to be more generous than Chase.

The Chase credit card credit score requirement is 700+ (good credit) or 750+ (excellent credit), depending on the card. Most Chase cards require at least good credit, including the Amazon Rewards Card, Chase Slate, and the Ink Business cards. There are also several Chase credit cards that require excellent credit, including Chase Freedom, Freedom Unlimited, Sapphire Preferred and Sapphire Reserve. Chase does not offer credit cards for fair credit (640-699) or lower credit scores at this time.… read full answer

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:

• Freedom and Freedom Unlimited - Excellent Credit (750+ credit score)
• Sapphire Preferred and Sapphire Reserve - Excellent Credit (750+ credit score)
• Slate - Good Credit (700+ credit score)
• Ink Business cards - Good Credit (700+ credit score)
• Amazon.com Credit Card - Good Credit (700+ credit score)
• Chase hotel cards - Good Credit (700+ credit score)
• Most Chase airline cards - Good Credit (700+ credit score)

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 status 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.