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How to Apply for a Chase Credit Card

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Chase is a popular card issuer that's behind some of the best credit cards we've seen. If this is your first time applying for a Chase credit card, you may be wondering how the application process works.

The application process isn't difficult, but it goes faster when you know what you're doing. Your account opening is also more likely to be a success if you know about Chase's usual rules for approving applicants. Here's exactly how to apply for a Chase credit card and how to make sure you pick the right new card.

What to know before applying for a Chase credit card

Before you think about applying for a Chase credit card, you need to know about Chase's 5/24 rule. Chase almost always denies applicants who have opened five or more credit cards within the last 24 months.

Check how many credit cards you've opened in that timespan. If you won't pass the 5/24 rule, it's better to wait and apply later. This is one of the strictest application rules of any credit card company. The only known way to get around it is if you've been pre-approved for a Chase credit card.

Your credit score is also important. Most of Chase's credit cards are aimed at those who have a good credit score or better. If your FICO® Score isn't at least in the mid-600s, you may want to focus on improving it first.

How to apply for a Chase credit card

Applying for a Chase credit card is a quick process. You just need to follow these steps:

1. Click the apply option on the card page.

Note that if you already have a Chase account, the application process will be faster if you sign in first. If you do, Chase will fill out parts of the application with the information it already has for you.

2. Enter all the required information in the application form.

To get through the application process smoothly, you should have the following ready:

  • Personal information: Name, date of birth, Social Security number, and mother's maiden name
  • Contact information: Mailing address (you must use a physical address and not a PO Box), email address, and phone number
  • Financial information: Type of employment, annual gross income, whether you rent or own, and your monthly rent/mortgage payment

3. Check the box to accept the application terms and click "Submit."

Your application will then be processed.

Choosing a credit card

Don't you wish you could take a peek inside a credit card expert's wallet sometimes? Just to see the cards they carry? Well, you can't look in anybody's wallet, but you can check out our experts' favorite credit cards. Get started here:

What happens after applying for a Chase credit card

After you submit your application, Chase could instantly approve or deny it. Chase could also put your application under further review.

An instant approval is obviously the best-case scenario, so we don't need to go over what to do there. Here's what to do for the two other responses to your Chase credit card application:

  • Denial: Chase will send you a letter explaining the reason for the denial. You can also call the Chase reconsideration line to ask why you were denied and see if the denial can be overturned. With the right approach and a little luck, a Chase representative may change the decision and approve your application.
  • Under review: Your application has not yet been approved or denied. Chase will send you a letter with its decision, but you can also call in to check your application status. You may want to wait three to five days to give Chase's system time to potentially approve your application. If you end up with a denied application, you can follow the same procedure of calling and asking the representative to reconsider.

Selecting a Chase credit card

Chase has so many credit cards that it's wise to compare your options. The Chase Sapphire cards are popular among travelers because they're part of the Ultimate Rewards point program. Chase Ultimate Rewards points are extremely versatile, and you can use them for travel bookings.

You can also choose from cards that earn cash back on purchases, cards with a 0% intro APR, and cards that don't charge an annual fee. If you're a business owner, there are also several business credit card options available through Chase.

Think about what type of rewards card you want, a travel credit card, cash back card or a Chase business card. To help you pick a card, here are recommendations on the best Chase credit cards for different financial goals.

Our favorite cash back Chase credit cards

For more of our favorite cash back credit cards, visit our guide: Best Cash Back Credit Cards

As of Aug. 11, 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.

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Our favorite travel Chase credit cards

For more of our favorite travel cards, check out our list: Best Travel Rewards Credit Cards

As of Aug. 11, 2022
Image for
Image for
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.

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 - 5x points

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

1x - 10x points

Intro APR:

Purchases: N/A

Balance Transfers: N/A

Intro APR:

Purchases: N/A

Balance Transfers: N/A

Regular APR:

17.49% - 24.49% Variable

Regular APR:

18.49% - 25.49% Variable

Annual Fee:

$95

Annual Fee:

$550

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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Getting your Chase card

The right Chase credit card can be worth hundreds or even thousands of dollars in value every year. All you need to do is figure out which card will work best for you and check that you meet Chase's typical requirements. If so, you can apply for a Chase credit card and likely get approved.

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