What are the minimum Chase credit card requirements?

The easiest Chase credit card to get is the Chase Freedom® Student credit card because applicants can get approved with limited credit. This means the odds of approval are good even for people who are new to credit, making the Chase Freedom® Student credit card much easier to get than other Chase credit cards.… read full answer

Easiest Chase Credit Cards to Get

• Chase Freedom® Student credit card: requires limited credit or better
• Chase Freedom Unlimited®: requires good credit or better
• Chase Freedom Flex℠: requires good credit or better
• Chase Sapphire Preferred® Card: requires good credit or better
• Marriott Bonvoy Bold® Credit Card: requires good credit or better

Having one of these Chase credit cards may increase your chances of landing a higher-tier credit card in the future, if you use it responsibly. That means paying your bill on time every month and keeping your credit utilization below 30% of your credit limit.

No, there are no Chase credit cards for bad credit. You’ll need good or excellent credit to get most Chase cards. But there’s no shortage of credit cards for bad credit from issuers not named Chase. Some of the best include the OpenSky® Secured Visa® Credit Card, the Credit One Bank® Platinum Visa® for Rebuilding Credit… read full answer, and the U.S. Bank Cash+® Visa® Secured Card.

Here are the best non-Chase credit cards for bad credit:

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.

Earn 1% cash back on gas and grocery purchases, as well as 1% back on mobile phone, internet, cable and satellite TV services. Annual fee: $75 intro 1st yr, $99 after. Minimum credit limit of $300.

Earn 1 - 5% cash back. There’s a $0 annual fee and a $300 minimum deposit.

Earn 1.5 - 5% cash back. 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 credit utilization low and not build up too much debt, and you’ll be on your way to better scores.

You need a credit score of 700 or higher to get approved for most Chase credit cards. That means you need good credit or better to qualify for Chase credit cards. For example, the credit score requirement for both the Chase Freedom Flex℠ card and the Chase Sapphire Preferred® Card is 700+.… read full answer

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.

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+)
• Chase Freedom® Student credit card: Limited History. This card is available for students who have limited credit score (less than 3 years of credit history+)
• Amazon.com Credit 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.
• 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 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.