Maria Adams, Credit Cards Moderator
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Yes, Chase Sapphire Reserve is hard to get because it requires excellent credit for approval. Unless your credit score is 750 or higher and you have a lot of income, it will be difficult for you to get approved for the Chase Sapphire Reserve card.
What You Need to Get Chase Sapphire Reserve
- Excellent credit score of 750+
- Steady income
- Low debt relative to income
- Low housing costs relative to income
As with any other credit card for excellent credit, these requirements are not set in stone. It’s possible to get approved with a slightly lower credit score, for example, as long as other factors in your application make up for it. But meeting or surpassing each of these requirements will certainly make the Chase Sapphire Reserve card easier to get.
Chase Sapphire Reserve®
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