Please ensure Javascript is enabled for purposes of website accessibility

This device is too small

If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience.

Skip to main content

Chase Credit Cards: How to Prequalify

Many or all of the products here are from our partners that pay us a commission. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

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.

TIP

Check your Chase account

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 vs. pre-qualified

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.

TIP

Chase's 5/24 rule

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.

What factors does Chase consider?

There are a few factors that impact your approval chances, including:

  • Your credit history: You'll usually need a good to excellent credit score for a Chase card.
  • Your existing credit accounts: As mentioned above, if you've opened more than five credit accounts over the past 24 months, Chase won't approve your application.
  • Your income: Chase, like most credit card issuers, consider income when deciding whether to pre-qualify a customer.

Can I get pre-approved for Chase Freedom Flex℠?

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:

As of Aug. 04, 2022
Image for
Image for
Chase Freedom Flex℠ Chase Freedom Unlimited®
Apply Now for Chase Freedom Flex℠

On Chase's Secure Website.

Credit Rating Requirement:

Good/Excellent (670-850) Info Icon Circle with letter I in it.

Credit Rating Requirement:

Good/Excellent (670-850) Info Icon Circle with letter I in it.

Welcome Offer: Info Icon Circle with letter I in it.

$200

Welcome Offer: Info Icon Circle with letter I in it.

Up to $300 cash back

Rewards Program: Info Icon Circle with letter I in it.

1% - 5% cash back

Rewards Program: Info Icon Circle with letter I in it.

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:

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, 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 unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49% - 25.24%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

Highlights:

  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49% - 25.24%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Apply Now for Chase Freedom Flex℠

On Chase's Secure Website.

Show More Arrow graphic to expand and collapse content Show Less Arrow graphic to expand and collapse content

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.

Can I pre-qualify for Chase Sapphire?

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.

As of Aug. 04, 2022
Image for
Image for
Chase Sapphire Reserve® Chase Sapphire Preferred® Card
Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

Credit Rating Requirement:

Good/Excellent (670-850) Info Icon Circle with letter I in it.

Credit Rating Requirement:

Good/Excellent (670-850) Info Icon Circle with letter I in it.

Welcome Offer: Info Icon Circle with letter I in it.

60,000 points

Welcome Offer: Info Icon Circle with letter I in it.

60,000 points

Rewards Program: Info Icon Circle with letter I in it.

1x - 10x points

Rewards Program: Info Icon Circle with letter I in it.

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:

  • New 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 Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

Highlights:

  • 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 Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

Show More Arrow graphic to expand and collapse content Show Less Arrow graphic to expand and collapse content

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.

TIP

Pre-qualification isn't a guarantee

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.

How can I pre-qualify for a Chase credit card?

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:

  1. Go to the Chase credit card prequalify application
  2. Provide your name and address
  3. Enter the last four digits of your Social Security number
  4. Check the box at the bottom to confirm you know you're not filling out an actual credit card application. This also acknowledges the Chase credit card prequalify application won't impact your credit.

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.

Best Chase Credit Cards

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.

Will this affect my 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.

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.

Still have questions?

Here are some other questions we've answered:

FAQs

  • 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.

About the Author