It goes without saying that the better your credit score, the more likely you’ll be approved for the best reward-earning credit cards. And while your credit score is one of the most important factors for approval, when it comes to applying for a Chase credit card, there are additional factors taken into consideration.
Chase does things a bit differently, applying its own, sometimes unpublished, rules for card qualification.
While nothing is absolute, today we’ll attempt to lay the foundation of the core requirements you’ll need for Chase to consider you as a cardholder.
Let’s get started.
The Value of a Chase Relationship
Establishing a relationship with Chase can be the beginning of creating long-term value that can serve you financially throughout your lifetime.
Let’s start by exploring the reasons you might want to consider jumping through the hoops of securing a Chase credit card.
Credit Card Earning, Redemption, and Travel & Shopping Benefits
First, Chase issues some of the most valuable credit cards available.
While earning power and benefits vary by card, here are some of the overall attributes that make Chase cards desirable:
- Earn Flexible Points That Can Be Redeemed for Cash — Chase cards earn Ultimate Rewards points that can be redeemed for statement credits or even cash-back.
- Redeem for up to 50% More Value — Premium Chase cards allow you to redeem points for travel via the Chase travel portal at up to 50% more in value.
- Transfer Points to Travel Partners — Ultimate Rewards points can be transferred to Chase airline and hotel partners for even greater potential value.
- Travel Benefits and Protections — Chase cards come with valuable travel benefits such as car rental insurance, trip interruption/cancellation/delay coverage, baggage insurance, and more.
- Shopping Benefits and Protections — Qualifying items purchased with your card may receive coverage such as purchase protection and extended warranty.
- Statement Credits — Some Chase cards come with statement credits for travel purchases.
Additional Banking Services
In addition to providing a wide range of credit card options to fit any lifestyle or business operation, Chase offers the following additional banking products and services:
- Checking accounts, savings accounts, and certificates of deposit
- Mortgages, home refinancing, and home equity line of credit
- Auto loans
- Financial planning and investment products
- Private Client Services
Bottom Line: Whether you’re a college student, young entrepreneur, homeowner, or business owner, establishing the beginning of a financial relationship with a Chase credit card can create benefits that can last a lifetime.
Minimum Requirements for Chase Credit Cards
What We Know for Sure
There are certain requirements that are critical to getting approved for a Chase credit card:
- A Good to Excellent Credit Score — While the terminology can vary by credit bureau, you will generally need to have a good to excellent credit score to secure a Chase credit card. Experian, one of the top credit bureaus, states that a score of 670 or above is “generally considered good” and a “score of 800 or above is considered to be excellent.”
- Sufficient Income — Chase will want to verify sufficient income to determine your ability to pay and to calculate the amount of your credit card limit.
- A U.S. Address and Social Security Number — You will need a U.S. address and a social security number or EIN number (for business cards) to be approved for a Chase credit card.
Requirements Based on Data Points
While not published requirements, we know, based on the experience of those who have applied and been denied, that you will also need to meet the following to be considered for a Chase credit card.
- No More Than 5 Credit Cards, From Any Issuer, Issued Within the Past 24 Months — Also known as the 5/24 rule, Chase will not issue a new card if you have exceeded this guideline.
- 30-Day Chase Card Limits — If you have opened 2 or more personal Chase cards, or 1 business Chase card, in the past 30 days, you are likely to be denied.
Optional, But Potentially Helpful
Having an existing relationship with Chase is not necessary for card approval. However, having a current positive relationship with Chase, such as a mortgage, savings or checking account, or other financial relationship, could weigh positively on your chances for approval. Logging in to an existing account prior to applying for a Chase credit card can also expedite the application process as parts of the application will auto-fill.
In addition to the above-mentioned criteria, Chase will review your payment history, credit utilization, and other information found on your credit report or application, to determine eligibility.
Bottom Line: At a minimum, you will need to have at least a good to excellent credit score, sufficient income, and be under 5 total new credit cards in the last 24 months to qualify for the best Chase credit cards.
Applying for a Chase Credit Card
Fortunately, there is a step you can take to find out if you have existing Chase card offers available to you without actually completing a credit card application.
Check To See if You Have Offers
For a risk-free way to see if you have Chase card offers waiting for you, you can utilize the CardMatch tool.
There is no credit check on your credit report and the process is simple to complete with quick results.
While having Chase card offers available to you does not guarantee you’ll be approved for those cards, it will give you an idea of the cards for which you’re more likely to get approved.
Chase also has a similar tool specific to its card offers.
Know Your Credit History
Even if you’re prequalified for a specific card, you’ll want to know your credit score prior to applying to understand your chances for approval. You can obtain a free copy of your credit report via annualcreditreport.com.
While credit reports can give you your credit history, these reports do not normally contain your credit score. If you have an existing credit card, you may be able to access your score via the card’s website or you can use Credit Karma.
Hot Tip: Our guide offers more information on the difference between a credit report and a credit score.
What if You Have No Credit or Poor Credit?
Chase does not offer a credit card product that caters to those who have no credit or poor credit. However, there are plenty of card issuers who do offer cards for which you can get approved if you are in this situation.
We give you an overview and some solid card choices to build or rebuild your credit in our informative article.
Bottom Line: Prior to applying for any credit card, you can check for existing offers using the CardMatch tool or, if available, the specific card issuer’s pre-approval site. You should also know your credit score to help determine your chances of approval.
Best Chase Personal Credit Cards for Good to Excellent Credit
You will need an excellent credit score to qualify for these Chase credit cards:
Chase Sapphire Preferred® Card
POPULAR FIRST CARD
Chase Sapphire Preferred® Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
(at Chase's secure site)
Chase Sapphire Preferred® Card
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
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®.
60,000 points
$1,200
$95
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.
Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.
Pros
- 5x points on all travel booked via the Chase Travel portal
- 5x points on select Peloton purchases over $150 (through March 31, 2025)
- 5x points on Lyft purchases (through March 31, 2025)
- 3x points on dining purchases, online grocery purchases, and select streaming services
- 2x points on all other travel worldwide
- $50 annual credit on hotel stays booked through the Chase Travel portal
- 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
- Excellent travel and car rental insurance
- 10% annual bonus points
- No foreigntransaction fees
- 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
Cons
- $95annual fee
- No elite benefits like airport lounge access orhotel elite status
- 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 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Ultimate Rewards Hotel Credit, 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.
- 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.
- Member FDIC
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- Foreign Transaction Fees: None
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- The Chase Sapphire Preferred 80k or 100k Bonus Offer
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A great first card to consider if you have excellent credit, the Chase Sapphire Preferred card offers a generous welcome bonus, earns flexible Ultimate Rewards points, and has travel redemption options that deliver 25% more in value. You can also transfer points to travel partners for potentially even more value.
You’ll also find that the card comes with money-saving travel and shopping protections/benefits.
Chase Sapphire Reserve®
Chase Sapphire Reserve®
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
(at Chase's secure site)
Chase Sapphire Reserve®
A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000 points
$1,200
$550
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)
If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve®is one of the best options out there.
The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options. Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.
Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!
Pros
- 10x points on car rentals, hotels, and dining booked via the Chase Ultimate Rewards portal
- 10x points on Lyft purchases March 31, 2025
- 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
- 5x points on airfare booked via the Chase Ultimate Rewards portal
- 3x points on all other travel and dining purchases; 1x point on all other purchases
- $300 annual travel credit
- Priority Pass airport lounge access
- TSA PreCheck, Global Entry, or NEXUS credit
- Access to Chase Luxury Hotel and Resort Collection
- Rental car elite status with National and Avis
Cons
- $550annual fee
- Does not offer any sort of hotel elite status
- 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 reimbursem*nt for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights 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
- 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
- Member FDIC
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- Foreign Transaction Fees: None
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Chase’s premium travel rewards card, the Chase Sapphire Reserve card comes with benefits such as worldwide lounge access, travel statement credits, travel benefits, shopping protections, and more.
Key redemption features include receiving 50% more in value when redeeming Ultimate Rewards points for travel and the ability to transfer points to travel partners for even more potential value.
Chase Freedom Unlimited®
Chase Freedom Unlimited®
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
(at Chase's secure site)
Chase Freedom Unlimited®
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
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
$0
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.
When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.
Pros
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
- 5% back on travel purchased through Chase Ultimate Rewards
- 3% back on dining and drugstore purchases
- 1.5% back on all other purchases
- No annual fee
- Earn big on travel purchased through Chase Ultimate Rewards
- Everyday bonus on dining and drugstores
- Straightforward cash-back on all other purchases
- Ability to pool points
Cons
- 3% foreign transaction fee
- 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 Travel, our premier rewards program thatlets 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 travel purchased through Chase Travel, 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 expireas 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 20.49% - 29.24%.
- 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, alerts, and more.
- Member FDIC
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- Foreign Transaction Fees: None
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Chase Freedom Flex℠
Chase Freedom Flex℠
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
Chase Freedom Flex℠
The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
$200
$0
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Chase Freedom Flex℠sure does pack quite a punch — especially for a no-annual-fee card.
The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.
Pros
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
- Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
- No annual fee
- Excellent cell phone insurance
- Ability to pool points
- Mastercard World Elite benefits
Cons
- 3% foreign transaction fees in U.S. dollars
- 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 20.49%-29.24%.
- 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.
- Member FDIC
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- Foreign Transaction Fees: None
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The Freedom Unlimited card and the Freedom Flex cardare great first Chase credit cards due to the lack of an annual fee, elevated earning opportunities, and travel/shopping protections and benefits.
» Related: Chase Freedom Unlimited Card vs. Freedom Flex Card [Detailed Comparison]
The Best Chase Business Credit Cards
Ink Business Preferred® Credit Card
NEW OFFER
Ink Business Preferred® Credit Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
(at Chase's secure site)
Ink Business Preferred® Credit Card
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel
100,000 points
$2,000
$95
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.
Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.
Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.
Pros
- 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
- Cell phone protection
- Purchase protection
- Trip cancellation and interruption insurance
- Rental car insurance
- Extended warranty coverage
Cons
- No elite travel benefits like airport lounge access
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
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- Foreign Transaction Fees: None
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One of our favorite Chase business card picks, the Ink Business Preferred card offers elevated 3x earnings on many common business expenses. The card also earns valuable Ultimate Rewards points that can be redeemed for 25% more in value toward travel purchases on the Chase travel portal. You may also receive even greater value when transferring to airline and hotel partners.
We also like that the card offers cell phone protection and other travel/shopping benefits.
You’ll need an excellent credit score to qualify for the Ink Business Preferred card.
Ink Business Cash® Credit Card
Ink Business Cash® Credit Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
(at Chase's secure site)
Ink Business Cash® Credit Card
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
$750
$750
$0
0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Ink Business Cash® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.
When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.
Pros
- Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
- Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
- Travel insurance and purchase protection
- 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
- Employee cards at no additional cost
- No annual fee
Cons
- Spending caps in bonus categories
- Low points earning outside of bonus categories
- 3% foreign transaction fees
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
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- APR: 0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
- Foreign Transaction Fees: 3% of each transaction in U.S. dollars
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Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
(at Chase's secure site)
Ink Business Unlimited® Credit Card
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750
$750
$0
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.
If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.
Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Pros
- 1.5% cash-back on all purchases
- No annual fee
- 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
- Employee cards at no additional cost
- Earn flexible rewards
Cons
- 3% foreign transaction fee
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Financial Snapshot
- APR: 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
- Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Card Categories
- Credit Card Reviews
- Best Business Credit Cards
- Best Sign Up Bonuses
- No Annual Fee Cards
Rewards Center
- Chase Ultimate Rewards
- The Ink Business Unlimited $900 Welcome Bonus Offer
- Benefits of the Ink Business Unlimited Credit Card
- Ink Business Cash vs Ink Business Unlimited
- Ink Business Preferred vs Ink Business Unlimited
- Best Business Credit Cards with No Annual Fee
- Best Chase Business Credit Cards
- Best Business Credit Cards for Multiple Employees
- Best 0% APR Business Credit Cards
- Best Credit Cards for Car Rental Insurance
Designed specifically to meet the needs of small businesses, the Ink Business Cash card and Ink Business Unlimited card offer generous welcome bonuses and earn valuable Ultimate Rewards points. The cards also offer introductory 0% APR periods to help you facilitate the repayment of purchases over time without interest.
You’ll be able to keep these no-annual-fee cards indefinitely to establish a credit history and later pair with premium Chase cards to elevate redemption values as much as 50% greater when redeemed for travel.
You’ll need a good to excellent credit score to qualify for either card.
Bottom Line: While the best Chase credit cards require an excellent credit score, the issuer does offer both personal and business cards that can be secured with a good or very good credit score.
Reconsideration Line
Even if you meet the guidelines, it’s possible that Chase could deny your application or require additional information before approving you for a card.
If you do receive a denial or a delay in getting a response to your application, you may want to call Chase to discover the reason. You can then provide additional information that might initiate a reconsideration or expedite an approval.
Learn more about how to utilize the reconsideration line here.
Final Thoughts
While we’ve given you our take on the minimum requirements necessary to get approved for a Chase credit card, Chase will have the ultimate say and could make a decision that is contrary to these guidelines.
Your best chance for approval for a Chase credit card is to know your credit score and obtain a copy of your credit report to ensure it is accurate and there are no errors. Additionally, you’ll want to have less than 5 opened credit cards in the past 24 months, and have sufficient income to pay your obligations.
And if you do get denied, make an effort to speak with Chase to clarify the reason and offer any additional information that could help alter that decision.
While 1 credit card is a small step towards a relationship with Chase, an ongoing long-term relationship with the financial institution is a valuable asset that can serve you for years to come.
The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
