The Chase Sapphire Reserve® credit score requirement is 750+. Chase says this card is for people with excellent credit, the highest tier in the credit score range. And while excellent credit is generally thought to start at 720, we really recommend a credit score of 750+ to maximize your chances of approval. With a lower score, the risk of rejection will be higher if Chase finds any negatives on your credit report or income-wise.
Here are Chase Sapphire Reserve’s credit score & other approval requirements:
750+ credit score. You might find yourself getting approved with a lower score or denied with a higher one. But a credit score of 750 or higher definitely helps to maximize your chances.
Eligibility. You must be over 18 years old with a U.S. mailing address and a Social Security number.
Income. You don’t absolutely need a job, but you must have some kind of income and/or assets to prove to Chase that you have the means to pay for the charges you make.
As little debt as possible. Chase will weigh your income against your debts to determine how much you can afford to borrow.
No bankruptcy. You probably won’t be in this situation if you have an excellent credit score. But you won’t get approved while in active bankruptcy and will have a tough time as long as any record of bankruptcy is on your credit report.
So as you can see, a lot more than just your score goes into approval. But having an excellent credit score is still a very important requrement. If you’re not sure where you stand right now, you can check your latest credit score for free on WalletHub, the only site with free daily updates to your scores and reports. And if you find out that your credit isn't quite up to par, working to improve it can drastically increase your approval chances. For advice on what to do, check out your custom credit analysis.
The best credit card for a 700 credit score could be Capital One Venture if you’re eager to earn travel rewards, Blue Cash Preferred® Card from American Express if you’d prefer cash back or Wells Fargo Platinum if you want 0% APRs. It all depends on your individual needs, as no card does everything best. But you do want to focus on cards that require “good” credit or below, since 700 is a good credit score. Of course, there are other things that affect the application process too, like income and the number of recent inquiries on your report.… read full answer
A good way to figure out whether you’re eligible for a particular credit card with your 700 credit score is to check for pre-approval on the issuer’s website. If you’re pre-approved for a card, you’re not guaranteed approval, but your odds are high – usually around 90%. You can do a pre-approval check for most of the best credit cards for a 700 credit score.
Here are the best credit cards for 700 credit scores:
For Travel Rewards – Capital One Venture - 50,000 miles for spending $3,000 in the first 3 months. 2 miles per $1 on all purchases. No foreign transaction fees. $95 annual fee.
For Balance Transfers – Wells Fargo Platinum card - Intro APR of 0% for 18 months on purchases and 0% for 18 months on qualifying balance transfers on balance transfers. 3% balance transfer fee for transfers made in the first 120 days (5% after). No rewards. 3% foreign transaction fee. $0 annual fee.
For Cash Back – Blue Cash Preferred® Card from American Express - Intro APR of 0% for 12 months on purchases. Earn rate of 1 - 6% cash back. 2.7% foreign transaction fee. $95 annual fee.
Hotel Perks – Radisson Premier Visa Signature - 50,000 bonus points for making your first purchase, plus 35,000 points for spending $2,500 in the first 90 days. 10 points per $1 spent at Radisson and 5 everywhere else. 40,000 bonus points for renewing your card every year. 3% foreign transaction fee. $75 annual fee.
As you may have noticed, a lot of the best credit cards for 700 credit scores don’t have annual fees. So you can pick up some great perks without having to shell out money for the privilege of having a card.
The best credit cards for a 600 credit score are secured cards because they offer easy approval and are often much less expensive than unsecured credit cards for bad credit. Secured credit cards require a security deposit, and the card’s credit limit is equal to the amount of the deposit. This deposit is fully refundable when you close your account with a $0 balance. … read full answer
If you’re not sure where to start looking for secured credit cards for a 600 credit score, WalletHub has picked out a few examples of popular offers.
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