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Is it hard to get approved for a Chase credit card

To have the best shot at an approval, you’ll need an excellent credit score (typically above 720) to qualify for this card, and possibly higher income than cards such as the Chase Sapphire Preferred® Card. Our experts answer readers’ credit card questions and write unbiased product reviews (here’s how we assess credit cards). In some cases, we receive a commission from our partners; however, our opinions are our own. So what credit score will it take to get the Chase Sapphire Preferred Card?

Click Here to learn more about the Chase Sapphire Preferred Card. Whether you book flights or hotels directly through the Chase travel portal or send your points to Chase’s transfer partners, there are tons of great ways to use those points for your future travels. The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser’s responsibility to ensure posts and/or questions are answered. Hopefully the above answers the question of who is eligible for the Chase Sapphire Preferred. If anyone has any other questions on Chase Sapphire Preferred approval, please let me know.

Approval Tips For Chase Credit Cards

It’s recommended that applicants have good to excellent credit scores before applying for this card. Many factors are considered by the bank when you apply for a credit card, and no one score will guarantee an approval. Approval for a Chase credit card will vary with the card being applied for and with each applicant. Some Chase cards, like the Chase Sapphire Preferred® Card, Disney® Visa® Card, and the Chase Freedom Unlimited®, require a good to excellent credit score. Other factors, such as income and existing debt, are also used to determine credit card approvals.

Unlike a hard inquiry — which can negatively impact your credit score and requires your full Social Security number — a soft inquiry only requires very basic personal information. The first step is to determine whether you’re most interested in a rewards, travel, or business card.

How Can I Get Pre-approved For A Chase Credit Card?

You could receive approval, a denial, or a message that Chase wants to further review your application. You’ll also find that the card comes with money-saving travel and shopping protections/benefits. Let’s start by exploring the reasons you might want to consider jumping through the hoops of securing a Chase credit card. We may be compensated when you click on links from one or more of our advertising partners. Debt consolidation means to bring all of your balances to a single bill & it can be a useful way to manage your debt. In addition to targeting current users via their Chase account, Chase is also known to target potential cardholders via snail mail.

Chase needs to make sure you can support the credit limit and annual fee (if any). Credit cards such as Chase Sapphire Preferred and Chase Sapphire Reserve are at the premium end of the spectrum. These cards generally require higher credit scores of 720 and above. You will generally need to have a good credit score to get the best Chase credit cards. Designed specifically to meet the needs of small businesses, the Ink Business Cash card and Ink Business Unlimited card offer generous welcome bonuses and earn valuable Ultimate Rewards points. The cards also offer introductory 0% APR periods to help you facilitate the repayment of purchases over time without interest. It’s easy to doubt your credit card approval odds when you don’t have information about your credit health.

  • Applicants have reported better luck being approved for 2 cards at the same time when the 2 cards are not from the same family (for example, a Chase Freedom Unlimited and a Chase co-branded card).
  • Enjoy the convenience of earning cash back with Chase Freedom® or Chase Freedom Unlimited®.
  • The use of this website means that you accept the confidentiality regulations and the conditions of service.
  • Before making a hard inquiry on your credit report, you can determine if you’re eligible for a Chase credit card.
  • Chase offers some of the top rewards credit cards on the market, but qualifying for one of these cards isn’t necessarily an easy feat.

This site does not include all credit card companies or all available credit card offers that are on the market. It goes without saying that the better your credit score, the more likely you’ll be approved for the best reward-earning credit cards. And while your credit score is one of the most important factors for approval, when it comes to applying for a Chase credit card, there are additional factors taken into consideration. Different credit card issuers use these terms with varying operational definitions. However, the term “pre-qualify” sometimes implies a less strenuous check than “pre-approval” does. While neither guarantees approval when you actually apply, a pre-approval shows betters odds of approval than a pre-qualification.

For example, Chase Sapphire Preferred® Card applicants should usually have a credit score of 720 or above. There are plenty of reports of cardmembers who were approved with a lower score, but this’ll give you the highest approval odds. Prequalification is a good step to take if you’re not sure whether your credit score or income will be high enough to get approved. The Chase Sapphire prequalify process is the same as it is for any Chase card.

What’s The Value Of Chase Ultimate Rewards Points?

Although you can potentially get more value when transferring your points to Chase’s travel partners like United and Southwest. Credit card issuers have rejected me for 10 to 15 different credit cards over the years.

It’s important to keep in mind that you’ll need to submit a complete application before learning whether or not you’ve been accepted. This could result in a hard inquiry being recorded on your credit report for no reason. In this section, we have laid out the 40-in-a-month rule and the Sapphire-only restriction. In other words, if you already have an active Sapphire card, you cannot open a new Sapphire branded card and receive a bonus.