Are there any Chase credit cards for bad credit?

Question

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 answer 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.

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. 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 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.

show less

Answer 1 · 2021-01-08 04:09:10

Tom Lipkis, WalletHub Credit Card Consultant

@cindercard • 01/08/21 This answer was first published on 04/23/18 and it was last updated on 01/08/21.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report Abuse

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 Capital One Platinum Secured Credit Card, 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.
Capital One Platinum Secured Credit Card: 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.

Answer 2 · 2018-05-17 07:52:30

Sara Stiles, Member

@sara_stiles • 05/17/18 This answer was first published on 05/17/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report Abuse

Not that I know of. For any of the Chase credit cards, you need to have at least a good credit score. If you have bad credit it’s best you direct your attention towards other banks, such as Capital One, Discover, Citi, or others that offer secured cards, or credit cards for people with poor credit. Try building your credit first, and you’ll be able to apply for a Chase card once you get to the 700s.

Answer 3 · 2018-04-30 19:12:32

Robin Dunstop, Member

@robin_dunstop • 04/30/18 This answer was first published on 04/30/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report Abuse

Sorry, no go with Chase. There are plenty issuers that go for bad credit, but Chase is not one of them, you need at least a good score to get any of their products.

Are there any Chase credit cards for bad credit?

Tom Lipkis, WalletHub Credit Card Consultant

2021's Best Chase Credit Cards

Sara Stiles, Member

Robin Dunstop, Member

People also ask

What credit score do you need for a Chase credit card?

Major Chase credit card credit score requirements:

What's the easiest Chase card to get?

Join WalletHub