What's the Chase credit card credit score requirement?

This question is about Chase Credit Card

Marshall Jamieson, Finance Pro

@bergman7711/15/18

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The Chase credit card credit score requirement is 700+ (good credit) or 750+ (excellent credit), depending on the card. Most Chase cards require at least good credit, including the Amazon Rewards Card, Chase Slate, and the Ink Business cards. There are also several Chase credit cards that require excellent credit, including Chase Freedom, Freedom Unlimited, Sapphire Preferred and Sapphire Reserve. Chase does not offer credit cards for fair credit (640-699) 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:

Freedom and Freedom Unlimited - Excellent Credit (750+ credit score)
Sapphire Preferred and Sapphire Reserve - Excellent Credit (750+ credit score)
Slate - Good Credit (700+ credit score)
Ink Business cards - Good Credit (700+ credit score)
Amazon.com Credit Card - Good Credit (700+ credit score)
Chase hotel cards - Good Credit (700+ credit score)
Most Chase airline cards - Good Credit (700+ credit score)

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.

People also ask

Is a certain credit score needed for credit card approval?

That depends on the credit card you want, but you can get a card even if you have bad credit or no credit history at all.

Keep in mind however that credit score isn’t the only factor taken into account, as payment history, existing debt and income also play a big role in being approved for a credit card.… read full answer

To better target your efforts, consider getting your free credit score on WalletHub.

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What's the best Chase credit card promotion right now?

The best Chase credit card promotion has to be the Ink Business Preferred card’s 80,000-point initial bonus, worth $1,000 in travel. All you have to do to earn it is spend $5,000 in the first three months your account is open. There are some great Chase credit card promotions for personal use, too. For example, … read full answer Chase Sapphire Preferred gives you $625 in travel for spending $4,000 in three months, and Chase Slate offers 0% APRs on purchases and balance transfers for 15 months. You even get a $0 transfer fee for the first 60 days. There are several other interesting promotional offers, as well, both business and personal.

Here are the best Chase Credit card promotions:

Ink Business Preferred. 80,000 bonus points (worth $1,000 toward travel) when you spend $4,000 in the first three months.

Sapphire Preferred: 50,000 bonus points (worth $625 toward travel) when you spend $4,000 in the first three months.

Sapphire Reserve. 50,000 bonus points (worth $750 toward travel) when you spend $4,000 in the first three months. Be careful of the $450 annual fee, though.

Freedom. 15,000 points ($150 cash back) when you spend $500 in the first three months.

Marriott Rewards Premier. 75,000 bonus points when you spend $3,000 in the first three months.

British Airways Visa. 50,000 bonus miles when you spend $3,000 in the first three months. 25,000 bonus miles when you spend $10,000 in the first year.

Chase Slate. 15 months of 0% APRs on balance transfers and purchases. No balance transfer fee in the first 60 days.

There might be other Chase credit card promotions, but these are definitely some of the best ones on the market. Plus, most of these cards have additional promotions for referring a friend. 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.

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