Chase does not offer credit cards targeted to first-time credit card users. Good credit or excellent credit is needed for high approval odds for a Chase credit card, depending on the card.
You can check your latest credit score for free on WalletHub to see where you stand. Some people shopping for their first credit card may already have good credit as a result of being an authorized user on a credit card account in the past. You can also check for Chase credit card pre-approval to see which, if any, offers Chase thinks you’re qualified for, based on a harmless “soft pull” of your credit report.
If it doesn’t seem like an offer from Chase is in the cards for your first account, don’t worry. There are plenty of worthwhile alternatives from other issuers.
Using one of these cards responsibly – particularly paying the bill on time every month – is the ticket to a higher credit score and your chance of getting one of the best Chase credit cards in the future.
The best first time credit card from Chase is the Slate card, which has a $0 annual fee and offers a 0% intro APR for the first 15 months. But Slate requires good credit, as do all of the other Chase credit cards that don’t just require excellent credit outright. There are no Chase credit cards for people with limited or no credit history, which describes most people looking for their first credit card.
So if you are shopping for your first credit card ever, a Chase card is not the best bet, unless a relative can add you to their account as an authorized user. But your second credit card could be from Chase, if you get your first card from another issuer, use it responsibly and build good credit.
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