Sebi Caciuleanu, Credit Cards Moderator
@sebic
The Chase credit card credit score requirement is “good” or “excellent”, depending on the card. Most Chase cards require at least good credit, 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.
Chase Credit Card Credit Score Requirements
- Chase Sapphire Reserve®: Excellent Credit
- Chase Freedom Flex℠: Good Credit
- Chase Freedom Unlimited®: Good Credit
- Chase Sapphire Preferred® Card: Good Credit
- Ink Business cards: Good Credit
- Amazon.com Credit Card: Good Credit
- Chase hotel cards: Good Credit
- Most Chase airline cards: Good Credit
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 status 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.

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