Chase cards are famous for the rewards they give to their owners, in form of bonuses upon signing up and discounts on spending. They have points programs that cover a multitude of domains from travel to leisure to essentials. This short guide will take you through the journey of getting approval for a Chase Card, and the easiest Chase cards to get. But, with such high rewards come great difficulty to be eligible for these cards. The majority of Chase’s collection of cards is for the people with the highest levels of credit scores. Typically, in the FICO range of above 740. But there are some ways for users to get cards with just a good credit score, by choosing the other of the two choice rewards.
Which Chase Card Is Easier To Get Approved?
Keep in mind that while some cards are easier to get approved for, you will still need to have a good enough credit score. If you have a bad credit score, you need to look at other financial ways to repair your score before applying for one of the Chase Cards.
Chase Freedom Unlimited Card
This is one of the easiest Chase credit cards to get approved for according to Reddit. It is easier than the Chase Sapphire Preferred Card too. This card belongs to a group of Chase cards that do not carry an annual fee. Of course, you will still get fantastic deals similar to other Chase cards. For instance, you get a $200 bonus upfront while signing up after you spend $500 through the card within the first three months. If you spend $12000 on groceries in the first 12 months through the card, you get a 5% cashback. Note that this does not include purchases made in Target or Walmart.
The rewards do not end here! If you book for travel through Chase’s portal, you get 5% cashback on Lyft, 3% cashback on dining and purchases through drugstores, and 1.5% cashback on all non-essential spending. One major advantage of this card is that it is easy to get approval for, but you can also pair this with higher-tier Chase cards such as CSR and CSP. As a beginner, the Chase Freedom Unlimited Card is the best for you. As you establish your credit score and grow it further, you can combine this with a Chase Sapphire Card and earn more rewards.
What Credit Score is Required for Chase Cards?
Every person at and above the age of 18 has a Credit score associated with them. This 3-digit number tells your creditworthiness. In simple words, how trustworthy you are with money in terms of giving it back after taking a loan, or debt of any kind. To determine this credit score, organizations take into consideration your financial history and behavior. Like how regular you are with paying credit card bills, loan installments, and more. If you have missed or late payments, it may reduce your credit score as opposed to a person who regularly pays their bills on time without missing a single payment.
Chase cards are great value additions to your wallet, but they are known for keeping a high credit score limit for being accepted. Chase has 20+ branded and co-branded cards, each with exciting reward benefits but different conditions for approval. If you are wondering what credit scores you need for the easiest chase cards to get, continue reading further.
Note that Chase does not publish explicitly, the credit scores for approval. All the below mentioned values are obtained after analysis and data from secondary sources. Wondering why your credit score is not going up?
Most Chase Cards require you to have a credit score of above 600, with a few exceptions. To give context, these are how credit scores are deemed good or bad according to FICO scaling,
A credit score higher than 800 is ‘Exceptional’
Credit score between 740 and 799 is ‘Very Good’
A credit score between 670 and 739 is ‘Good’
Credit score between 580 and 699 is ‘Fair’
A credit score of 579 and below is ‘Poor’
Easiest Chase Cards to Get – Credit Scores for Common Chase Cards
Disney Visa Card – If you love Disney and want to have regular Disney vacations, this card is a must-have for you. This card requires you to have a credit score of 570+. Having this card gives you discounts and perks at Disney theme parks, resorts, movies, etc.
Chase Freedom – One of the easiest Chase Cards to get according to Reddit, it requires you to have a realistic credit score of 650+. You get a $200 sign up bonus for $500 spent in the first three months. Apart from this, you get discounts on essential and non-essential shopping through the Chase store.
Chase Sapphire Preferred – One of the most sought after Chase cards, this one has an average credit score of 736 among the various cardholders. If you spend $4000 in purchases within the first three months, you get 60,000 bonus points. That is roughly equal to $750 towards travel when you redeem it. Apart from that, you get 2X rewards in dining, take-out, and other services.
Other Chase cards have credit score requirements in the range of 550-690 minimum. Whether you want discounts and rewards for hotel chains, leisure activities, or business trips, Chase cards cover it all.
Is it Hard to Get Approved for a Chase Card?
In simple words – Yes. It is because they require you to have an excellent credit history and score.
If you have a minimum credit score of 670, you stand a good chance of getting approval for the Chase cards. A lot of banks consider a good credit score if it lies between 670 and 740. A credit score above this means that you will qualify for any card available out there and that too without a special invite. A higher credit score will give you a higher credit limit initially with most cards.
If you are an existing Chase customer, your chances of getting or upgrading a Chase card is significantly higher.
Apart from Credit score, Chase also considers your annual income before approving your card application. Your annual income will also determine the credit limit, Chase gives you initially. Depending on that, they issue you cards ranging from Visa Traditional to World Elite Mastercard. You can find what card you have got by looking at the logo at the bottom of your card.
After it gets approved, do you know how often should you use your credit card to avoid getting it closed?
Chase 5/24 Rule
While almost all credit card companies have stringent rules for new applicants, the ones of Chase are one of the strictest. The rule in simple words – You will not be eligible for most Chase cards if you have owned 5 or more credit cards (irrespective of the issuer) in the last 24 months.
If you have, for instance, there is no option other than to wait until the new accounts turn more than 24 years old. If you are unsure about whether you positively qualify for this rule, check your credit report and see how many new accounts you have opened in the last 24 months. You must also include if someone has added you as an authorized user on their account. Also, count the accounts that you have opened in the last 24 months and closed within that time.
If you are wondering if other credit card issuers follow this rule – the simple answer is no. For instance, Citi and Amex cards do not ask you to fulfill this rule. So, you can simply apply for them and get them provided you follow their regulations and standards for approval.
While Chase does not publish directly which cards see the 5/24 rule to get selected, reports and users have said that it includes almost all branded and co-branded cards, from Chase branded cards, Ink Business cards to Southwest and United Clubs cards.
Does Chase Give Instant Approval?
Yes, if everything is right and you do not have any reasons for Chase to delay your application, you will get instant approval. Then, it just becomes the easiest Chase cards to get for you! Also, if you have a credit card pre-approval, then you may get instant approval on applying for the credit card.
For example, in the case of Chase Credit Cards, your application might not get instant approval if you have applied for too many credit cards. Chase is strict about their 5/24 rule, and if you are around that limitation, Chase might take more time to review your application.
Another reason for delayed application approval could be if you already have existing cards with Chase. You might be reaching the maximum limit of credit they can give you.
If you are applying for small business cards rather than personal credit cards, your application may be a little delayed. Usually, you will have to submit more documents for your business.
Lastly, if you have made some unintentional mistake or typos in your application, the processing can be delayed.
Do not worry if you do not get immediate approval. In most cases, you will get a mail from Chase accepting or denying your application. Or you may get a message stating that a decision will be given to you within two weeks from the date of application. Next time, try to improve your credit score by 100 points and reapply.
Reconsider Chase Application for Approval
If your application is pending, you can call the Chase Reconsideration line to solve any issue and accelerate your application approval process. Customers advise that it is best to call this line within 30 days from the date of your application being denied, else you will have to fill and submit a new application.
For personal credit cards, the reconsideration line is 1-888-270-2127. For business credit cards, the reconsideration line is 1-800-453-9719.
You can convince the reconsideration line if your reasons for denial has been for the following basis:
- Mention any errors or typos in your application explicitly.
- If Chase does not give you the credit card stating that it is already providing a large credit line for you, you can ask them to reduce the credit limit on the other cards.
- In some cases, explain to them with a valid reason why you want their credit card. Do not mention the sign-up bonus, as most companies will reject you immediately when they hear about this.
- Although the process of application pending/rejection is frustrating, make sure you talk to the person at the other end of the reconsideration line with politeness and patience.
Top 6 Easiest Chase Credit Cards to Get Approved For
If you are new to the Chase scene or if you are unsure of your credit score, you can check out the following easiest Chase cards to get qualified.
Chase Slate – Just 550 Score is Enough
If you want a Chase card with minimal rewards and procedure, the Chase Slate is the one for you. It accepts people with credit scores typically in the range of 550 to 600. Almost 8% of the total cardholders fall in this credit score range, according to Credit Karma.
The minimum credit for the card is $500, the APR and other balance offers are good enough for Chase card starters.
There is no balance transfer fee and annual fee with this card. For the first 15 months, there is a 0% APR on balance transfers and purchases. Note that at the time of writing, the Chase Slate is no longer open to new applications.
Disney Visa Card – Minimum 575 Credit Score
If you plan a vacation with any of Disney’s attractions, this is a must-have card. It’s a great card to have if you have kids and family who regularly like to spend time at their parks. The minimum credit score for the Disney Visa Card, according to some reports, is 570.
After the first purchase, you get a $50 credit statement. On all purchases through the cards, earn 1% of the amount in Disney Rewards Dollars. You can choose your favorite Disney design for the card and the best part? There is no annual fee charged by this card.
You can gain rewards on Disney themed parks, resorts, movies, merchandise, and even cruises!
Chase Freedom Flex – Minimum 590 Credit Score
This card offers a wide range of introductory rates and cash backs. While some user references have pointed out a minimum credit score requirement of 500, the more actual and frequent acceptance is for those having a credit score of around 645.
You earn a $200 bonus once you spend a minimum of $500 within the first three months of account opening. On grocery purchases, you get 5% cashback up to $12,000 spend through the card in the first year. You also earn 5% if you book travel through Chase, 3% back on drugstores and dining, and 1% on the other purchases. There is no annual fee for this card.
Chase Freedom Unlimited – Minimum 590 Credit Score
If you want cash backs with no annual fee, choose Chase Freedom Unlimited. Reports have claimed that the minimum credit score for this card is around 680, while the minimum credit scores have been 636 in some cases.
Like Freedom Flex, you earn a $200 bonus once you spend $500 within the first three months of opening the account. You get 5% cashback on groceries for purchases up to $12,000 through selected stores. You also get unlimited 1.5% cashback on all other purchases through the card. If you book travel through Chase, you earn 5% back, 3% on drugstores and dining, and 1.5% on all other types of purchases.
For the first 15 months, the card provides 0% APR.
Also, note that this card follows the 5/24 application rule for most other Chase cards.
United Gateway Card – 625+ Credit Score
If you are a traveler having good access to any of United’s hubs, this card is gold for you. You can be a part of the United MileagePlus without paying an annual fee for the credit card.
Once you spend $1,000 on purchases in the first three months, you get 10,000 bonus miles. You get twice the rewards in all United purchases, on local commuting and transit and gas stations. On everything else, you get 1x rewards.
On the in-flight purchases, you get 25% cashback, and also you can avail of a trip interruption or cancelation insurance. You also get a sign-up bonus worth $130.
Like most other Chase credit cards, this one also follows a 5/24 application rule.
Southwest Rapid Rewards Plus – 600+ FICO needed
If you have a credit score of around 600 according to the FICO scale, you will be eligible for this SouthWest card. Without any blackout dates, you can earn flight rewards with SouthWest. Also, you get 2X the rewards of all SouthWest related. On the anniversary every year, you get 3000 points. This is one of the easiest airline credit cards to get approved for.
On the first billed statement, there is a $69 charge. If you hold this card, you get some benefits when flying with Southwest Airlines. For instance, you can get two checked-in bags free for up to two pieces of luggage, an extended warranty, and also reimbursement on lost luggage.
Does Chase Offer Secured Credit Cards to Get Easy Approval?
In a short answer, no. Chase offers credit cards for people who have at least a fair credit score. If you are looking to improve your credit score through secured cards, you should try out other options. In fact, in the history of Chase, there have been no secured cards.
Takeaway – Easy Chase Card to Get
If you have a good enough credit score and want to make the most out of the purchases you make, Chase credit cards are the best option. Although people claim that they are hard to get, if you maintain a minimum credit score, fill your application correctly, you will stand a good enough chance to earn a Chase card. On the other hand, if you are rejected, do not worry. Improve your credit score through other Chase competitors who offer similar reward-based secured cards, and once you meet Chase’s requirements, you can switch.
If you think you are not a beginner and have a good credit score already, then you can go for premium cards like Chase Sapphire Preferred or Chase Sapphire Reserve, even though they are not the easiest chase cards to get.