Marshall Jamieson, WalletHub Finance Consultant
@bergman77
The Chase credit card requirements for approval include a Social Security Number, a physical U.S. mailing address, enough income for monthly bill payments, and good or excellent credit in most cases. Applicants also need to be at least 18 years old to qualify. Just note that some requirements may vary depending on the card.
Things to Know About the Chase Credit Card Requirements
Most of Chase’s credit card requirements are pretty standard, although some credit card companies offer cards to people with lower scores. But merely meeting those baseline criteria doesn’t guarantee approval. Each individual Chase credit card has other requirements on top of that, which are tailored to identifying the right type of cardholder for a particular offer.
But let’s focus on what you can control: your credit standing and ability to pay. You can easily check how you’re doing in both categories and take steps to improve before applying for a Chase credit card, if necessary.
Chase Credit Score Requirements by Card
- 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 Slate Edge℠: Good Credit (700+)
- Chase Freedom® Student credit card: Limited History (less than 3 years of credit history)
- Ink Business Cards: Good Credit (700+)
Now you know some of the factors that will play a role in your approval odds. But this just scratches the surface of what Chase looks at for approval. The issuer will also examine your debts, credit utilization, and a whole host of other factors.
Just keep in mind that Chase does not offer any credit cards for people with damaged credit. If that’s the case for you, then you should check out our editors’ picks for the best credit cards for bad credit available right now on the market. A good option is the Capital One Quicksilver Secured Cash Rewards Credit Card.

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Compare Cardsblairville4, Member
@blairville4
I applied and got denied because I had opened one credit card in the past 24 months before applying. My credit score is the in the high 700’s.
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