The benefits of Chase credit cards include several types of travel insurance, airport lounge access, and up to $300 in annual travel credit. These benefits are mostly found on the top-tier Chase credit cards, though many more Chase credit cards have purchase protection and extended warranty protection. To know which perks are included on a specific card, you’ll need to call customer service at 1 (800) 432-3117 or check the Chase website.
Chase Credit Card Benefits
Airport lounge access
Up to $300 in annual travel credit
Extended warranty protection
Trip cancellation / interruption insurance
Lost luggage reimbursement
Trip delay reimbursement
Emergency evacuation & transportation
Rental car insurance
In addition to having some or all of these card perks, it’s important to remember that many Chase credit cards also give rewards. Rewards aren’t generally considered card benefits, but having a credit card that earns great rewards can be a big asset to cardholders. As long as you use your card responsibly and maximize the various benefits that Chase offers, you should come out well ahead of any annual fees that Chase cards may charge.
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
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.
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.
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.
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.
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