Any tips for how to apply for a Chase credit card and get approved?

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 easiest Chase credit card to get is the Chase Freedom® Student credit card, but it’s only available to students. Applicants can get approved for this card with limited credit. This means the odds of approval are good even for people who are new to credit, making the Chase Freedom® Student credit card much easier to get than other Chase credit cards.... read full answer

All other Chase credit cards require at least good credit for approval, and some require excellent credit. But while Chase cards aren’t that easy to obtain, there are several other credit cards that are easy to get.

Easiest Credit Cards to Get

Having one of these credit cards may increase your chances of landing a Chase credit card in the future, if you use it responsibly. That means paying your bill on time every month and keeping your credit utilization below 30% of your credit limit.

The credit bureau Chase uses for approval is mainly Experian, according to customer service. However, it’s possible for Chase to use any of the three major credit bureaus to evaluate credit card applications for approval: Experian, TransUnion and/or Equifax. In some cases, the credit bureau that Chase will pull your credit report from is determined by the state you live in and the credit card you apply for.... read full answer

Keep in mind that it’s impossible to be certain about which bureau they will pull your report from. So, make sure all of your reports are in order. Remember that you are entitled to one free report from each of the three major credit bureaus every 12 months. This will provide an opportunity to check for any incorrect or outdated information on your credit report.