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Chase has some of the most popular and best credit cards we've seen. If you're planning to apply for one, you'll need to know the suggested credit score for a Chase credit card.
There isn't any information on the Chase website about this. Fortunately, there's enough information available to recommend credit scores for Chase credit cards. Here's a breakdown of what score you'll need based on the Chase card you want and other factors that can affect your Chase credit card application.
Most Chase credit cards are intended for consumers with good to excellent credit scores (FICO® Score of 670 or higher). A score above 700 is even better and gives you a strong chance at approval. You can check your credit score with each credit bureau to find out how you're doing before you apply for a Chase credit card.
Good credit is also recommended for any of Chase's cobranded airline credit cards or hotel credit cards. This is only a suggested credit score range for Chase credit cards. Every card issuer takes your full credit history into consideration. It will look at your payment history, credit card debt, credit utilization, and all the other information on your credit report.
Chase offers one card with no minimum credit score requirement. The Chase Freedom Rise℠ Credit Card doesn't require a credit score or any credit history at all for approval. It's made for consumers who are building credit for the first time, but not for those who are rebuilding credit after previous issues.
Since your credit score isn't the only factor that matters, the recommended credit scores for Chase credit cards don't guarantee approval or denial. There are occasionally applicants who get approved for the top Chase credit cards with credit scores of 650 or below.
You can try an application if you're in that situation, but you're probably better off building your credit first -- or starting with the Chase Freedom Rise℠ Credit Card, if you're building credit.
This applies for the majority of the credit cards in Chase's lineup. For example, a good credit score is recommended to get any of these popular Chase cards:
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Chase Freedom Unlimited® | Chase Sapphire Preferred® Card | Chase Sapphire Reserve® |
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Apply Now for Chase Freedom Unlimited®
On Chase's Secure Website. |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Apply Now for Chase Sapphire Reserve®
On Chase's Secure Website. |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Welcome Offer: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. Up to $300 cash back |
Welcome Offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠. 60,000 bonus points |
Welcome Offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠. 60,000 bonus points |
Rewards Program: Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases 1.5% - 5% cash back |
Rewards Program: Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases |
Rewards Program: Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases. 5x points on flights and 10x points on hotels and car rentals through Chase Travel℠. |
Intro APR: 0% Intro APR on Purchases and Balance Transfers for 15 months Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months |
Intro APR: N/A Purchases: N/A Balance Transfers: N/A |
Intro APR: Purchases: N/A Balance Transfers: N/A |
Regular APR: 20.49% - 29.24% Variable |
Regular APR: 21.49%-28.49% Variable |
Regular APR: 22.49%-29.49% Variable |
Annual Fee: N/A $0 |
Annual Fee: N/A $95 |
Annual Fee: N/A $550 |
Highlights:
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Highlights:
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Highlights:
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Apply Now for Chase Freedom Unlimited®
On Chase's Secure Website. |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Apply Now for Chase Sapphire Reserve®
On Chase's Secure Website. |
Show More Show Less |
When you apply for a Chase card, the credit card company will look at two other key factors that you should know about.
There's an unofficial rule, known as Chase's 5/24 rule, that can affect your application if you're gotten multiple credit cards recently. Here's a quick explanation of how it works. When you submit your application, Chase checks how many personal credit accounts you've opened in the past 24 months. If it's five or more, your application is automatically denied.
For the typical consumer who doesn't open many credit cards, this won't be a concern. But if you think you may be near Chase's limit, double-check how many cards you've opened in the last two years before you apply for another one.
Annual income can be just as important as your credit score for Chase credit cards. Chase uses your reported income in deciding whether to approve your application and in setting your credit limit.
All Chase cards have minimum credit limits. If Chase isn't willing to extend you this much credit, it will deny your application. These minimum credit limits are based on what type of credit card you're applying for. Here are examples of the types of cards Chase offers and its minimum credit limits with each one:
To find out the minimum credit limit for a card, go to the card page on Chase's site and click "Pricing & Terms." Go to the "Terms & Conditions," and look for a paragraph underneath the numbered list in the "Authorization" section. This is where Chase lists the minimum credit limit you receive if approved for that card.
While you can't be sure about the credit limit Chase will extend to you based on your income, the minimum amounts above can at least give you an idea of which cards might best fit your goals.
Chase is somewhat unique in that its credit requirements don't change for most of its cards. With good or excellent credit, you could qualify for any Chase card. Just make sure you'll also pass the 5/24 rule as a cardholder and that Chase could reasonably extend you sufficient credit for the card you want based on your income.
Chase has some of the most popular credit cards available, and for good reason. Chase cards offer perks such as lucrative rewards programs, big sign-up bonuses, and long 0% intro APR offers.
Here are some other questions we've answered:
You need a credit score of 670 or higher for most Chase credit cards. While your credit score isn't the only important factor, Chase cardholders normally have good or excellent credit. The exception is the Chase Freedom Rise℠ Credit Card, which doesn't have a minimum credit score requirement and is designed for consumers who are building credit for the first time.
You won't qualify for most Chase credit cards with a 600 credit score. It may be possible to get the Chase Freedom Rise℠ Credit Card if you recently started building credit. But if you have a 600 credit score due to negative items on your credit history, you most likely won't be able to get a Chase card until your score improves.
Our Credit Cards Experts
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