What credit score do you need for a Chase credit card?

Question

There is no minimum credit score to get a credit card, if any credit card will do. Some credit card companies don’t even check applicants’ credit history, and the main approval requirement is that you earn more money than you spend. 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.… read full answer

But there is a difference between getting approved for a credit card in general and getting one of the better offers.

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:

Credit requirement	Traditional score range	WalletHub recommended score range	Recommended credit card
Bad credit	300-619	300-639	Discover it® Secured Credit Card
Limited credit	Less than 3 years of history	Less than 3 years of history	Capital One Platinum Credit Card
Fair credit	620-659	640-699	Capital One QuicksilverOne Cash Rewards Credit Card
Good credit	660-719	700-749	Chase Freedom Unlimited®
Excellent credit	720-850	750-850	Chase Sapphire Reserve®

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.

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Answer 1 · 2021-06-04 11:33:37

Bogdan Roberts, Credit Cards Moderator

@bogdan_roberts • 06/04/21 This answer was first published on 06/04/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The Chase credit card credit score requirement is "good" (a score of 700, at a minimum) or "excellent" (a score of 750, at a minimum), depending on the card. Most Chase cards require at least good credit (a score of 700+), including the Amazon.com Credit Card, the Chase Freedom Flex℠ card, and the Ink Business cards. There are also several Chase credit cards that require excellent credit, including the Chase Sapphire Reserve® card. Chase does not offer credit cards for fair credit or lower credit scores at this time.

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:

Chase Sapphire Reserve®: Excellent Credit (750+)
Chase Freedom Flex℠: Good Credit (700+)
Chase Freedom Unlimited®: Good Credit (700+)
Chase Sapphire Preferred® Card: Good Credit (700+)
Ink Business cards: Good Credit. Ink Business Preferred® Credit Card, for instance, requires a credit score of 700 at a minimum. That means you need good credit or better for approval.
Amazon.com Credit Card: Good Credit (700+)
Chase hotel cards: Good Credit. The World of Hyatt Credit Card, for instance, requires a credit score of 700 at a minimum. That means you need good credit or better for approval.
Most Chase airline cards: Good Credit. United Quest℠ Card, for instance, requires a credit score of 700 at a minimum. That means you need at good credit or better for approval.

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.