Chase Freedom Flex℠ is the best Chase credit card for bonus rewards on ongoing purchases, giving 5% on the first $1,500 spent per quarter in bonus categories that change every 3 months. 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases. 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.
The best Chase credit card initial bonus offer comes from the Chase Sapphire Preferred® Card: 100,000 points for spending $4,000 in the first 3 months. That can cover the card’s $95 annual fee for several years, depending on how you redeem. Plus, this card’s ongoing bonus is 2 points / $1 on travel and dining (1 point / $1 on everything else).
The best Chase sign-up bonus is offered by IHG Premier, which gives 150,000 points for spending $3,000 in the first 3 months. Chase credit card bonuses range from $200 to 150,000 points, depending on the card.
Best Chase Credit Card Sign-Up Bonuses
IHG Premier: 150,000 points for spending $3,000 in the first 3 months
Marriott Bonvoy Boundless: 3 Free Nights for spending $3,000 in the first 3 months
Chase Sapphire Preferred: 100,000 points for spending $4,000 in the first 3 months.
The best Chase student credit card is the new Chase Freedom® Student credit card, which launched in June 2019. This card has a $0 annual fee and gives 1% cash back on all purchases.
It has some nice rewards bonuses, too, starting with $50 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
In addition to these, you earn 5 points (5% cash back) per $1 on Lyft rides through March 2022. Plus, you get a complimentary 3 months of DashPass and after that 50% off the DashPass for the next 9 months (activate by December 31, 2021).
Those rewards rates and fees are pretty good, though not quite on par with the best student credit cards on the market right now. 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 re-joined 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.
Chase credit card approval odds are best for people with a good or excellent credit score of 700+, an annual income of $50,000+, and relatively little debt. Applicants will also need to be 18+ years old with a U.S. mailing address and an SSN or ITIN to get a Chase credit card.… read full answer
Credit Requirements for Good Chase Credit Card Approval Odds
While credit scores are very important, Chase credit card approval depends on several other factors as well. For example, applicants need to have enough income to make payments on the card. Chase will also look at your monthly housing costs and existing debts when considering your application.
If you want to get a better sense of your approval odds before applying for a Chase credit card, you can always check to see if you’re pre-qualified for any offers on the Chase website. Pre-qualifying does not guarantee approval, but it does indicate that you have pretty good odds of getting approved for certain cards, and it won’t affect your credit score.
Here are the best non-Chase credit cards for bad credit:
OpenSky® Secured Visa® Credit Card: 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.
Secured Mastercard® from Capital One: If you want the easy approval of a secured card with a chance of a low deposit, this card is for you. It requires a $49, $99 or $200 minimum deposit, depending on your credit. You get a $200 limit no matter what. And there’s a $0 annual fee.
Discover it® Secured Credit Card: 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 a $0 annual fee and a $200 minimum deposit.
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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