Does Chase Sapphire Preferred do a hard pull?

You need a 700+ credit score for Chase Sapphire Preferred approval. That means applicants generally need at least a “good” credit score to qualify for the Chase Sapphire Preferred® Card, though it’s possible to get approved with a lower score and a higher score may increase the odds.

It’s important to note that while your credit score is an important factor in determining whether or not you will be approved for Chase Sapphire Preferred, there are plenty of other things that will impact the decision, too. Some other important criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status, housing status and more. … read full answer

If you’d like to see where your credit stands, and thus get a rough sense for your approval odds, you can always check your latest credit score for free on WalletHub.

If you don’t think you have what it takes to meet the Chase Sapphire Preferred credit score requirement, the good news is there are plenty of great rewards credit cards for people with good, fair, limited and even bad credit. You can check out WalletHub’s review of 2022’s best rewards cards for each credit level to learn more.

But if you’re confident that your approval odds are high, you can go ahead and get started on your Chase Sapphire Preferred application.

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

It can take as little as a minute 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.

Once approved, applicants should receive their new Chase Sapphire Preferred card in the mail in about one or two weeks. To get 72-hour expedited shipping, call Chase customer service at … read full answer(800) 432-3117. The service is free but only available upon request.

If you’re not immediately approved, you can check your Chase Sapphire Preferred application status either online or by calling (800) 436-7927.