What are my Chase Sapphire Reserve approval odds?

Your Chase Sapphire Reserve approval odds are decent if you have a credit score of 750 or higher, which is considered excellent credit. Chase doesn’t publicly disclose their exact approval criteria. But they will definitely look at income level and current debt load as well as credit history. 

Chase Sapphire Reserve Approval Odds Info

• Chase Sapphire Reserve requires excellent credit for a strong chance of approval, which means a score over 750. Many people consider a score of 720 or above to be excellent, but WalletHub has found that 750 is really where the odds begin to tip in your favor.
• The average person’s Chase Sapphire Reserve approval odds aren’t so hot. The average credit score is just 695, according to the latest WalletHub data.
• Chase considers monthly housing payments, home ownership status, annual income and the source of that income, in addition to pulling credit reports.
• The odds of approval will be slim for people who have opened several new credit card accounts in a short timeframe. It’s better to allow at least six months between applications.

To have the best Chase Sapphire Reserve approval odds, your credit score must be in top shape. If you need to improve your score, WalletHub’s free credit analysis can tell you what steps to take. And you can track your progress with WalletHub’s free daily credit score updates.  

Generally, you need more than 750 to have a good chance for approval. Another thing to take into account would be your income: if you can barely afford to cover your current monthly expenses, no score in the world will save you.