What are my Chase Sapphire Preferred approval odds?

It can take as little as 60 seconds to get approved for Chase Sapphire Preferred. If you don’t get instantly approved, it usually takes 7-10 business days to receive a decision on your application. In some cases, however, it can take Chase up to 30 days to make a ruling.

Chase Sapphire Preferred Delivery Timeline... read full answer

Once approved, applicants should receive their new Chase Sapphire Preferred card in the mail in about 5 to 7 days. To get 72-hour expedited shipping, call Chase customer service at (800) 945-2000. The service is free but only available upon request.

If you’re not immediately approved, you can check your Chase Sapphire Preferred application status over the phone at (800) 436-7927. You may not like what you learn when you check your application status. But those who get denied can still ask Chase to reconsider by calling (888) 270-2127.

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

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.... read full answer

Chase Credit Card Credit Score Requirements

• Chase Sapphire Reserve®: Excellent Credit (750+).
• Chase Freedom Flex℠: Good Credit (700+).
• Chase Slate Edge℠: Good Credit (700+).
• Chase Freedom Unlimited®: Good Credit (700+).
• Chase Sapphire Preferred® Card: Good Credit (700+).
• Amazon.com Credit Card: Good Credit (700+).
• Chase Freedom® Student credit card: Limited History. This card accepts students who have less than 3 years of credit history.
• 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 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.

The Chase Sapphire Preferred card mainly uses Experian for approval. That doesn’t mean it won’t use the other major credit bureaus: TransUnion and Equifax, it depends on the state you live in.

As for reporting, Chase reports to all three credit bureaus, regardless of which of their credit card you own.... read full answer