Chase Freedom is the best Chase credit card for bonus rewards on ongoing purchases, giving 5% cash back on the first $1,500 spent per quarter in bonus categories that change every 3 months. All other spending earns 1% cash back, except for the first $12,000 spent on groceries the first year, which yields 5% cash back. Plus, the Chase Freedom Card’s initial bonus is $200 for spending $500 in the first 3 months. And Freedom has a $0 annual fee.
The best Chase credit card initial bonus offer comes from Sapphire Preferred: 60,000 points for spending $4,000 in the first 3 months. Those bonus points are worth $750 in travel booked through Chase Ultimate Rewards or a $600 statement credit. That can cover the card’s $95 annual fee for nearly 8 years, depending on how you redeem. Plus, Sapphire Preferred’s ongoing bonus is 2 points per $1 spent on travel and dining (1 on everything else).
Students also have access to a good Bank of America card for international travel. The Travel Rewards Card for Students has similar features and perks to the regular Travel Rewards card.But one glaring difference is that only limited credit is required to get the card. The student card also gives 3 points per $1 spent at the Bank of America Travel Center. All other purchases get 1.5 points per $1 spent. Students can redeem points for a statement credit to cover the cost of a host of travel purchases such as flights, car rentals, baggage fees and more.
The best Chase credit card for students is the new Chase Freedom Student Card, which launched in June 2019. The Chase Freedom Student Credit Card has a $0 annual fee and gives 1% cash back on all purchases. It has some nice rewards bonuses, too, starting with 5,000 bonus points (worth $50 as a statement credit) simply for making a single purchase within three months of opening an account. Plus, keeping your account in good standing by paying your monthly bills on time is good for a $20 bonus each year for up to five years.… read full answer
Those rewards rates and fees are pretty good, though not quite on par with the best student credit cards on the market right now. Perhaps the worst thing about the offer is the fact that you can’t apply for the Chase Freedom Student Card online. You have to visit a Chase branch location to get it.
Before Freedom for Students, there had been no Chase student credit card available for years, ever since the old Chase +1 Student Mastercard was discontinued. That old Chase credit card for college students had no annual fee and gave points to cardholders who paid their bill on time, took financial literacy quizzes, etc.
When it was still being offered, the +1 Student Card was available to newcomers with limited or no credit history. That’s important because the replacement that Chase tried to pawn off on college students afterward, the Chase Freedom Unlimited Card, requires at least good credit history for approval. Chase Freedom Unlimited, one of the best cash back credit cards overall, was never officially branded as being for students. But Chase recommended it for these scholarly credit newcomers on its website for a while.
Now, however, things are looking up for college students shopping for a credit card. Chase, one of the largest credit card companies around, has now officially rejoined the ranks of student credit card issuers. As a result, 6 of the 7 biggest credit card issuers in the U.S. have at least one credit card offer for college students.
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.… read full answer
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.
There are no Chase credit cards for bad credit. In fact, there aren’t any Chase credit cards for bad credit, limited credit, or even fair credit. You’ll need good credit or above to get a Chase card, which means a credit score of at least 700. But there’s no shortage of credit cards for bad credit from issuers not named Chase. Some of the best include the Capital One Secured Mastercard, the OpenSky Secured Visa and Discover it Secured. And if you don’t want to place a deposit, the Credit One Platinum Visa is the way to go.… read full answer
Here are the best non-Chase credit cards for bad credit:
OpenSky Secured Visa: 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.
Capital One Secured Mastercard: If you want the easy approval of a secured card with a chance of a low deposit, this card is for you. It requires $49, $99 or $200, depending on your credit. You get a $200 limit no matter what. And there’s no annual fee.
Discover it Secured: 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 no annual fee and a $200 minimum deposit.
Credit One Bank Platinum Visa: You don’t need a deposit for this card. There’s an annual fee of $0-99 depending on your credit. You get 1% cash back on all purchases.
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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