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Of the hundreds of credit card options, Chase credit cards are often highly recommended -- though not always the easiest to get. Before you apply, consider filling out a Chase credit card prequalify application to get an idea of your chances. Read on to see how to get pre-approved for Chase credit cards.
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In some cases, you may get pre-approved for a Chase credit card without any action on your part. Some consumers may receive a pre-qualified offer in the mail. You can also get a pre-approved offer if you already have a Chase bank or credit account. Check the "Just for You" section in your online account to see pre-approval offers.
Pre-approved and pre-qualified may seem like two ways of saying the same thing. They're actually much different.
However, neither fully guarantees approval on a credit card application. Your application could still be denied, especially if you're unaware of Chase's 5/24 rule.
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If you've opened more than five credit accounts in the past 24 months, your application will be denied. This is known as Chase's 5/24 rule.
A Chase pre-approval for a credit card is the closest you can get to a guaranteed approval. With a Chase pre-approval, you have a very high chance of success if you apply for that Chase card. You can even sometimes (but not always) get around Chase's 5/24 rule with a pre-approval offer. This rule would otherwise automatically deny your application if you've opened five or more credit accounts (from any card issuer) within the last 24 months.
A Chase pre-qualification isn't as firm. When you pre-qualify for a Chase credit card, that means you have a solid chance of approval. Pre-qualifying for a card won't get you around Chase's 5/24 rule.
There are a few factors that impact your approval chances, including:
Yes, you can get Chase Freedom Flex℠ pre-approval. The Chase Freedom Flex℠ -- and its sibling, the Chase Freedom Unlimited® -- both offer great cash back rates and welcome bonuses. You can compare them and learn more about qualification requirements in the table below:
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Chase Freedom Flex℠ | Chase Freedom Unlimited® |
Rating image, 5.00 out of 5 stars.
5.00 stars
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.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. |
Rating image, 5.00 out of 5 stars.
5.00 stars
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.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. |
Apply Now for Chase Freedom Flex℠
On Chase's Secure Website. |
Apply Now for Chase Freedom Unlimited®
On Chase's Secure Website. |
Credit Rating Requirement: |
Credit Rating Requirement: |
$200 |
Up to $300 cash back |
1% - 5% cash back |
1.5% - 5% cash back |
Intro APR: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months |
Intro APR: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months |
Regular APR: 16.49% - 25.24% Variable |
Regular APR: 16.49% - 25.24% Variable |
Annual Fee: $0 |
Annual Fee: $0 |
Highlights:
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Highlights:
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Apply Now for Chase Freedom Flex℠
On Chase's Secure Website. |
Apply Now for Chase Freedom Unlimited®
On Chase's Secure Website. |
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Remember that a positive Chase Freedom pre-qualify result doesn't guarantee approval. But pre-approval is still a good first step.
If you aren't pre-approved for a Chase Freedom card, you can still apply. But your approval chances may not be very good. Consider improving your credit score and checking for pre-qualification again in the future -- you can fill out the Chase credit card prequalify application as often as you want.
Yes, you can pre-qualify for both Chase Sapphire cards. These are Chase's premier travel rewards cards.
If you have a strong credit score, and you're confident you'll be approved. it may be easier to apply for these cards card directly (instead of getting pre-qualified first).
Pre-qualification is an important step if you're not sure whether or not you'll be approved. The Chase Sapphire pre-qualify process is the same as it is for any Chase card.
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Chase Sapphire Reserve® | Chase Sapphire Preferred® Card |
Rating image, 4.50 out of 5 stars.
4.50 stars
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.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. |
Rating image, 4.50 out of 5 stars.
4.50 stars
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.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. |
Apply Now for Chase Sapphire Reserve®
On Chase's Secure Website. |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Credit Rating Requirement: |
Credit Rating Requirement: |
60,000 points |
60,000 points |
1x - 10x points |
1x - 5x points |
Intro APR: Purchases: N/A Balance Transfers: N/A |
Intro APR: Purchases: N/A Balance Transfers: N/A |
Regular APR: 18.49% - 25.49% Variable |
Regular APR: 17.49% - 24.49% Variable |
Annual Fee: $550 |
Annual Fee: $95 |
Highlights:
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Highlights:
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Apply Now for Chase Sapphire Reserve®
On Chase's Secure Website. |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Show More
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The luxury Chase Sapphire Reserve® is primarily for cardholders with excellent credit. If you're not sure whether your credit score is high enough for this Chase Sapphire card, definitely pre-qualify before you apply.
The Chase Sapphire Preferred® Card also requires excellent credit but may be slightly easier to get than its more-expensive sibling. If your credit score is absolutely stellar, and you're willing to jump right to applying for the card, it'll be faster to simply skip pre-qualification.
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Getting pre-approval or pre-qualification for Chase Sapphire only means you could be approved if you apply -- not that you will be approved.
For example, Chase Sapphire Preferred pre-approval simply means you fit the basic qualifications for the card. If you're over the 5/24 limit or don't meet the income requirements, you could be denied a Chase Sapphire card.
And if you aren't pre-approved for a Sapphire card on your Chase credit card prequalify application, you can still apply -- but your chances of approval are low, so you may want to try for a different card instead.
If you've been searching "prequalify Chase credit card," keep reading -- this article will detail exactly how to do just that.
Pre-approval for Chase credit cards is most effectively done through Chase's own website.
The actual process is simple:
After you submit your application, the Chase credit card prequalify process will produce a list of pre-approved Chase cards you're likely (but not guaranteed) to qualify for. Essentially, you can prequalify for Chase credit card options as a way to get a feel for your chances.
Learn more about the select few Chase credit cards that landed a spot on our shortlist. Some of these cards pack in big bonuses, rich rewards, and long 0% intro APR offers.
There's no effect on your credit during the Chase pre-approval or pre-qualification process. Chase only performs a soft credit check when you use its pre-qualification tool, and that doesn't impact your credit score.
If you apply for a Chase card, there will be a hard credit check when Chase pulls your credit report. Hard credit checks do cause a small credit score drop. For most consumers, one hard credit check takes fewer than five points off their FICO® Score (the most widely used type of credit score).
For more information, visit Chase's website.
Here are some other questions we've answered:
You can get pre-approved for all the Chase cards through Chase's pre-qualification application. You'll need to provide your name, address, and the last four numbers of your Social Security number. The pre-approval process is a good way to find out which Chase cards fit your qualifications.
The general Chase credit card prequalify process includes all Chase cards. This includes the Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card. You cannot fill out a Chase credit card prequalify application for only the Chase Sapphire cards. If you don't get pre-approved for a Chase Sapphire card through the general Chase credit card prequalify application, you may not qualify for a Sapphire card.
You can get pre-approved for a Chase Freedom Flex℠ or Chase Freedom Unlimited® card the same way as any other Chase card. Specifically, use the general Chase credit card prequalify application. This allows you to check your pre-qualification status with all Chase credit cards at the same time. If you don't get pre-approved for a Chase Freedom card through the general application, you may need to improve your credit.
There's no effect on your credit during the Chase pre-approval or pre-qualification process. Chase only performs a soft credit check when you use its pre-qualification tool, and that doesn't impact your credit score.
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