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. On the other hand, the majority of Chase credit cards require good to excellent credit in order to qualify.… 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. In fact, there aren’t any Chase credit cards for bad credit, limited credit, or even fair credit. You’ll need good or excellent credit to get a Chase card. But there’s no shortage of credit cards for bad credit from issuers not named Chase. Some of the best include the … read full answerSecured Mastercard® from Capital One, the OpenSky® Secured Visa® Credit Card and the Discover it® Secured Credit Card.

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

• OpenSky® Secured Visa® Credit Card: 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.
• Secured Mastercard® from Capital One: If you want the easy approval of a secured card with a chance of a low deposit, this card is for you. It requires a $49, $99 or $200 minimum deposit, depending on your credit. You get a $200 limit no matter what. And there’s a $0 annual fee.
• Discover it® Secured Credit Card: You don’t have to miss out on rewards if your credit is bad. This card gives you 2% cash back on your first $1,000 spent per quarter at restaurants and gas stations and 1% everywhere else. It also matches your cash back after the first year. 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 utilization low and not build up too much debt, and you’ll be on your way to better scores.

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 … read full answerChase 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. 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.