The main exception to the rule is the Chase Freedom® Student credit card, which is available to students with limited credit or better. Still, the higher your credit score is, the better your Chase credit card approval odds will be.
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 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.
There is no minimum credit score needed to get a credit card. Some credit card companies don’t even check applicants’ credit history, so it’s certainly possible to get a credit card even if you have a very low credit score or no credit score at all.
But there is a difference between getting approved for a credit card in general and getting one of the better offers.… read full answer
The credit score needed for credit card approval ultimately depends on which specific card you want to get. Most of the time, credit card companies have a credit score tier they’re looking for, and applicants will need a score in the required tier (or higher) for a good chance of approval. The tiers are bad, fair, good and excellent.
The thing is, credit cards require scores that are a bit higher than the traditional minimum for each tier in the overall credit score range, according to WalletHub’s research. So for each credit tier, you can see a “traditional” score range and a “WalletHub recommended” score range below.
Here is the credit score needed for a credit card at each level:
One way to estimate your credit card approval odds is to check for pre-approval. Many major issuers will allow you to check for free. It won’t hurt your credit score. And you’ll get a pretty good idea of your chances. Plus, if you’re not sure what your score is yet, you can check your latest credit score for free on WalletHub. You’ll also get personalized credit card recommendations with high approval odds.
Just remember that having a qualifying credit score does not guarantee credit card approval. The credit card application process takes many other factors into account. Payment history, existing debt and income play big roles, too.
The best Chase credit card promotion is the Chase Sapphire Preferred® Card’s initial bonus of 60,000 points for spending $4,000 in the first 3 months. Chase Sapphire Preferred points are worth 1.25 cents each when redeemed for travel, so this promotion is worth up to $750 in travel through Chase.
In addition to its big initial bonus, Chase Sapphire Preferred offers 5 points / $1 spent on travel purchased through Chase, 3 points / $1 spent on dining and select streaming services, 2 points / $1 spent on other travel purchases, and 1 point / $1 spent on all other purchases. These rewards can easily offset the card’s $95 annual fee.
Cardholders also enjoy promotional perks such as a $50 annual Ultimate Rewards Hotel Credit, and complimentary access to DashPass.
Chase Sapphire Reserve gives an initial bonus of 60,000 bonus points for spending $4,000 in the first 3 months, worth up to $900 in travel booked through Chase. It also offers 1 - 10 points per $1 spent on purchases, $300 in annual travel credits, travel benefits like room upgrades, VIP access to exclusive events, and a Priority Pass Select membership that gives airport-lounge access across the world.
Although Chase Sapphire Reserve has an annual fee of $550, the card has more than enough rewards and other perks to be worth the cost when used wisely.
Chase Freedom Flex currently offers $200 for spending $500 in the first 3 months. It also gives 5% cash back on up to $1,500 spent per quarter in bonus categories (which change every quarter and require activation), 5% cash back on travel through Chase, 3% back at restaurants and drugstores, and 1% back on all other purchases.
Other perks include Lyft credits, a complimentary ShopRunner membership, discount on Fandango and cash back on HelloFresh. Plus, there's no annual fee.
Chase Freedom Unlimited offers 5% cash back on travel through Chase, 3% back at restaurants and drugstores, and 1.5% back on all other purchases (plus an additional 1.5% cash back on everything, up to $20,000 spent the first year). It also gives a 0% intro APR for 15 months on purchases and balance transfers. Plus, there is no annual fee. The regular APR is 19.24% - 27.99% (V).
Instacart Credit Card offers $100 Instacart credit automatically upon approval, plus a free year of Instacart+ membership, worth up to $99. Cardholders also get 5% cash back on purchases made via the Instacart app, Instacart.com, or the Chase travel center.
Chase Ink Preferred offers a big initial bonus of 100,000 points for spending $15,000 in the first 3 months. It also gives 1 - 3 points per $1 spent on purchases and has an annual fee of $95.
There are several other Chase credit card promotions, too, including some that extend beyond rewards. For example, you’ll often find Chase credit cards offering 0% introductory APRs on purchases, balance transfers or both. Just keep in mind that they call them promotions for a reason. Chase can change them at any time. So if you see something you like, go for it.
For the Chase Ink card you will need a credit score of 700 or better, which means people with good credit or better have a shot at getting approved for a Chase Ink card. You must also provide proof of a business income sufficient enough to make at least the minimum amount due every month. Chase will review your personal credit history when you apply for the Ink Business Cash card, Preferred card, or Unlimited card. Take note that you’re personally liable for any debts on a Chase Ink account that the business is unable to pay.… read full answer
If you’re approved for a Chase Ink card, a high Chase Ink card credit score offers additional advantages. Chase will take your credit score into account when it determines both your credit limit and your interest rate. So, the higher your credit score and credit history, the better chance you have of landing favorable terms upon approval.
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