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What Credit Score Do I Need for a Chase Credit Card?

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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, so it can be tough to gauge your chances of approval. 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.

Suggested credit scores for Chase credit cards

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 co-branded airline credit cards or hotel credit cards.

This is only a suggested credit score 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.

READ MORE: What is a credit utilization ratio?

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 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.

READ MORE: How to build credit fast

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:

As of Aug. 11, 2022
Image for
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Chase Freedom Unlimited® Chase Sapphire Preferred® Card Chase Sapphire Reserve®
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.

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.

Up to $300 cash back

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.

1.5% - 5% cash back

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

1x - 5x points

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

1x - 10x points

Intro APR:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Intro APR:

Purchases: N/A

Balance Transfers: N/A

Intro APR:

Purchases: N/A

Balance Transfers: N/A

Regular APR:

16.49% - 25.24% Variable

Regular APR:

17.49% - 24.49% Variable

Regular APR:

18.49% - 25.49% Variable

Annual Fee:

$0

Annual Fee:

$95

Annual Fee:

$550

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.

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.

Highlights:

  • 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 BackSM, 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 PassTM 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
Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

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Chase credit cards that don't require good credit

There are a few Chase credit cards available to consumers with lower credit scores. In addition to the two listed below, the Disney® Visa® Card is available to those with lower credit scores. The suggested credit score for that Chase credit card is 580 or above.

As of Aug. 11, 2022
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Chase Freedom® Student credit card

Amazon Prime Rewards Visa Signature Card

Credit Rating Requirement:

New to Credit Under(579) 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.

$50

Welcome Offer:

$70 Amazon gift card

Rewards Program:

1% cash back

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

1% - 5% back

Intro APR:

Purchases: N/A

Balance Transfers: N/A

Intro APR:

Purchases: N/A

Balance Transfers: N/A

Regular APR:

16.49% Variable

Regular APR:

15.74% - 23.74%, variable

Annual Fee:

$0

Annual Fee:

$0

Highlights:

  • $50 Bonus after first purchase made within the first 3 months from account opening
  • Earn 1% cash back on all purchases
  • No annual Fee
  • $20 Good Standing Rewards after each account anniversary for up to 5 years
  • Earn a credit limit increase after making 5 monthly payments on time within 10 months from account opening when meeting credit criteria
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open
  • Free credit score with Chase Credit Journey

Highlights:

  • Exclusively for customers with an eligible Prime membership
  • $70 Amazon.com Gift Card instantly upon credit card approval
  • 5% back at Amazon and Whole Foods
  • 2% back at gas stations, restaurants and drugstores
  • 1% back on other purchases
  • No foreign transaction fees
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The information related to Amazon Prime Rewards Visa Signature Card has been collected by The Ascent and has not been reviewed or provided by the issuer.

Other factors that affect your Chase credit card application

When you apply for a Chase card, the credit card company will look at two other key factors that you should know about.

Recent credit accounts you've opened

Chase's 5/24 rule can affect your application if you've gotten multiple credit cards in the last two years. 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

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.

Certain 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 the types of credit cards Chase offers and their minimum credit limits:

  • Visa Traditional: No minimum credit limit
  • Visa Signature®: $5,000
  • Visa Infinite®: $10,000
  • World Elite Mastercard®: $5,000

To find out what type of card you're looking at, check the card's picture and look at the logo in the bottom right corner. Visa Traditional cards only have the word "Visa" there, while the other three types of cards typically include their full names in their logos. There is one exception with the Chase Freedom Flex℠. Although it only has the world "Mastercard" in the logo, it's a World Elite Mastercard®.

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 you have a good chance of getting.

The right credit score for a Chase credit card

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.

Best Chase credit cards

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.

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