How To Get Prequalified for Chase Credit Cards

How To Get Prequalified for Chase Credit Cards

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Chase offers some of the most valuable credit cards in the market, ranging from luxury travel rewards to cash back. With almost all Chase cards requiring good or excellent credit to qualify, you may be wondering whether or not you’ll get approved. Since approval odds are based on multiple factors — such as length of credit history and on-time payments — it’s not clear-cut whether you’ll qualify for certain cards even with good credit. Chase also has its own 5/24 rule that can add even more restrictions for card applicants.

Thankfully, Chase has a preapproval process that uses a soft credit inquiry, helping you figure out whether you'll qualify for a card without hurting your credit score. Since all applications — whether they get approved or denied — will affect your credit score, the preapproval process can help you realistically manage your expectations.

Which Chase cards can I get prequalified for?

Chase offers preapproval for three cards: the Chase Sapphire Reserve®, the Chase Sapphire Preferred® Card and the Chase Freedom Unlimited®. All three cards earn Ultimate Rewards points, which can then be redeemed for travel, cash back and more.

CardBest for...Annual feeSign-up bonusEarnings rate
Chase Sapphire Reserve® Credit CardLuxury travel$550Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.Earn 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases.
Chase Sapphire Preferred® CardGeneral travel rewards$95Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.Earn 2X points on travel and dining at restaurants, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases worldwide.
Chase Freedom Unlimited® Credit CardCash back$0Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.Earn 5% cash back on travel purchased through Chase, 3% on dining and drugstores, and 1.5% on all other purchases.

The Chase Sapphire Reserve® Card is Chase’s top credit card pick for luxury travelers. It offers benefits like an annual $300 travel credit, a complimentary Priority Pass Select lounge membership and a 50% travel redemption bonus — all of which come at a $550 annual fee. The average credit applicant may not qualify for this exclusive card, so the preapproval process will come in handy if you’re hesitant about your application.

The Chase Sapphire Preferred® Card is a popular Chase card for seasoned and infrequent travelers alike. With a reasonable $95 annual fee, you’re equipped with a 25% travel redemption bonus and an incredibly high sign-up bonus that can result in many significant redemptions. If your credit history is on the shorter side, be sure to go through the preapproval process first.

Finally, the Chase Freedom Unlimited® Card is one of the best cashback cards on the market. With many opportunities to earn points on your everyday spending, you’ll earn points through the Ultimate Rewards program. By pairing this cashback card with a Chase travel card, such as the Chase Sapphire Reserve® or the Chase Sapphire Preferred® Card, you can maximize value on your daily purchase categories and take advantage of the redemption bonuses on the latter cards. Even as a $0-annual-fee cashback card, not everyone will qualify for the Chase Freedom Unlimited® — this is where the preapproval process comes in.

How Chase’s preapproval process works

To get started, you’ll need to provide the following information on the prequalification form:

  • First name, middle initial and last name
  • Street address, city, state and ZIP code
  • Last four digits of your Social Security number

Once you submit the form, Chase will prompt you to one of two screens. Chase will either present your credit card offers, providing the options that you’re prequalified for. Otherwise, you may not prequalify for any cards at the moment.

How to boost your approval odds with Chase

Your credit card application will depend on general credit factors and Chase’s own restrictions. Here’s how you can boost your odds of approval with Chase:

Comply with Chase’s 5/24 rule

One of the qualifications for a Chase credit card is the 5/24 rule. If you’ve opened more than five new credit cards in the last 24 months, Chase will automatically deny your application. This rule is in place to prevent applicants from earning the same card bonuses after opening and closing accounts.

If you’ve opened less than this amount, you’ll make it through the application's first step. The other eligibility factors are related to your general credit history.

Have a good to excellent credit score

All three cards through Chase’s preapproval process require you to have a good or excellent credit score — a score between 670 and 800. Since your credit score is based on many factors (and it takes time to raise this number), you’ll want to make sure your credit score falls under this range prior to applying.

Avoid late payments

Credit card issuers such as Chase want to ensure that you’re a responsible cardholder. You’ll always want to make on-time payments to avoid any interest charges and negative impacts on your credit score. If you have a history of late payments, you may be denied from a Chase credit card.

Manage debt owed

Your credit includes more than just credit card balances — it includes other debts owed, which could be anything from student loans to mortgages. As long as you can manage the different types of debts you have, you’ll have a stronger shot at gaining approval for various cards.

Build credit history

If your credit history is too short, you could be denied a Chase credit card. The older your accounts, the more trustworthy you seem. New applicants who have less than a couple of years of credit history may have difficulty qualifying for top-tier credit cards, such as the Chase Sapphire Reserve®.

The preapproval process is entirely separate from the actual card application, so you’ll want to be sure to fully understand how it works first.

Does using Chase’s preapproval tool affect your credit score?

No. Chase pulls your information through a soft inquiry rather than a hard inquiry, meaning that this tool won’t affect your credit score.

Does an offer through Chase’s preapproval process guarantee that I’ll qualify later on?

No. While the preapproval process can help you gauge whether or not you’ll be accepted, nothing is guaranteed. When submitting an application, a hard inquiry will fully determine whether or not you qualify. The soft inquiry may or may not have enough information on you to be completely accurate.

ValuePenguin’s verdict

While new credit card offerings can be exciting (especially from Chase), it’s important to know if you’ll qualify in the first place. While getting preapproved for a credit card isn’t foolproof, using Chase’s prequalification tool is harmless and can lower the odds of being declined for a card. No matter how confident you are in your credit card application, running through Chase’s prequalification tool first is always a good idea.

Stella Shon

Stella Shon is a travel credit cards writer with ValuePenguin. After studying abroad in Paris three years ago, she became determined to keep traveling. That’s when she discovered the world of points and miles, which enabled her to travel on a student budget. Since then, she’s flown over 150,000 miles and earned more than 500,000 points and miles with eight different credit cards. While in college, she even co-founded her own travel agency, helping her peers plan and book trips on a budget. As a recent journalism graduate from UNC-Chapel Hill, her goal is to write about travel to make it simpler and achievable for everyone. Her work has also appeared on JetBlue, The Points Guy, Travel + Leisure and CNBC.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).

Available Credit Cards from Our Partners

Costco Anywhere Visa® Card by Citi
  • On Citi's Secure Website
{"align":"","buttonColor":"","buttonIcon":"lock","buttonText":"Apply Now","category":"creditcards","className":"AffiliateBanner--context-credit-card","context":" in context: Banner","cloudinaryImageName":"v1570114162\/reg_mn3nqb.png","cssNamespace":"AffiliateBanner","disclaimers":["On Citi's Secure Website"],"imageURL":"","isButtonSquare":false,"isUnavailable":false,"link":"\/redirect\/credit-cards\/1063?url=\/chase-prequalified-credit-card","name":"Costco Anywhere Visa\u00ae Card by Citi"}

Chase Sapphire Reserve®
  • On Chase's Secure Website
{"align":"","buttonColor":"","buttonIcon":"lock","buttonText":"Apply Now","category":"creditcards","className":"AffiliateBanner--context-credit-card","context":" in context: Banner","cloudinaryImageName":"v1557155600\/Chase_Saaphire_Reserve_card_art_hsubpf.png","cssNamespace":"AffiliateBanner","disclaimers":["On Chase's Secure Website"],"imageURL":"","isButtonSquare":false,"isUnavailable":false,"link":"\/redirect\/credit-cards\/1095?url=\/chase-prequalified-credit-card","name":"Chase Sapphire Reserve\u00ae"}

Blue Cash Preferred® Card from American Express
{"align":"","buttonColor":"","buttonIcon":"lock","buttonText":"Apply Now","category":"creditcards","className":"AffiliateBanner--context-credit-card","context":" in context: Banner","cloudinaryImageName":"v1557417499\/blue-cash-preferred_1_bdesdf.png","cssNamespace":"AffiliateBanner","disclaimers":["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root AffiliateBanner--disclaimer-link\" rel=\"nofollow noopener\" target=\"_blank\" title=\"See Rates & Fees\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-preferred-credit-card\/26172-10-0\/#terms-details?print\"\u003ESee Rates & Fees.\u003C\/a\u003E\u003C\/span\u003E Terms Apply.","On American Express' Secure Website"],"imageURL":"","isButtonSquare":false,"isUnavailable":false,"link":"\/redirect\/credit-cards\/8?url=\/chase-prequalified-credit-card","name":"Blue Cash Preferred\u00ae Card from American Express"}

Mastercard® Black Card™
  • On Barclays' Secure Website
{"align":"","buttonColor":"","buttonIcon":"lock","buttonText":"Apply Now","category":"creditcards","className":"AffiliateBanner--context-credit-card","context":" in context: Banner","cloudinaryImageName":"v1581547748\/36670_10000046_black_ogjpic.png","cssNamespace":"AffiliateBanner","disclaimers":["On Barclays' Secure Website"],"imageURL":"","isButtonSquare":false,"isUnavailable":false,"link":"\/redirect\/credit-cards\/272?url=\/chase-prequalified-credit-card","name":"Mastercard\u00ae Black Card\u2122"}

The Platinum Card® from American Express
{"align":"","buttonColor":"","buttonIcon":"lock","buttonText":"Apply Now","category":"creditcards","className":"AffiliateBanner--context-credit-card","context":" in context: Banner","cloudinaryImageName":"v1555427770\/platinum-card_1_gufy9n.png","cssNamespace":"AffiliateBanner","disclaimers":["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root AffiliateBanner--disclaimer-link\" rel=\"nofollow noopener\" target=\"_blank\" title=\"See Rates & Fees\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/platinum-charge-card\/28009-10-0\/#FeeTable\"\u003ESee Rates & Fees.\u003C\/a\u003E\u003C\/span\u003E Terms Apply.","On American Express' Secure Website"],"imageURL":"","isButtonSquare":false,"isUnavailable":false,"link":"\/redirect\/credit-cards\/12?url=\/chase-prequalified-credit-card","name":"The Platinum Card\u00ae from American Express"}