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Best Chase Credit Cards of October 2019 - Top Offers

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer.

On Chase's Secure Website

Chase Sapphire Reserve®

On Chase's Secure Website
50,000 bonus points when you spend $4,000 in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 50,000 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®
  • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Earn 50,000 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®
  • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
Annual Fee
$450
Regular APR
18.99% - 25.99% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On Chase's Secure Website

Chase Sapphire Preferred® Card

On Chase's Secure Website
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Earn 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®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • Earn 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®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
Annual Fee
$95
Regular APR
17.99% - 24.99% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On Chase's Secure Website

Chase Freedom®

On Chase's Secure Website
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74 - 25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74 - 25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
Annual Fee
$0
Regular APR
16.74 - 25.49% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On Chase's Secure Website

Chase Freedom Unlimited®

On Chase's Secure Website
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
  • No annual fee
  • Free credit score, updated weekly with Credit Journey℠
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
  • No annual fee
  • Free credit score, updated weekly with Credit Journey℠
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
Annual Fee
$0
Regular APR
16.74-25.49% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On Chase's Secure Website

Southwest Rapid Rewards® Premier Credit Card

On Chase's Secure Website
  • Earn up to 60,000 points. Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Plus, earn 20,000 points after you spend $12,000 on purchases in the first 12 months your account is open.
  • 6,000 bonus points after your Cardmember anniversary.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
  • 1 point per $1 spent on all other purchases.
  • No foreign transaction fees.
  • No blackout dates or seat restrictions.
  • Redeem your points for flights, hotel stays, gift cards, access to events, and more.
  • Earn up to 60,000 points. Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Plus, earn 20,000 points after you spend $12,000 on purchases in the first 12 months your account is open.
  • 6,000 bonus points after your Cardmember anniversary.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
  • 1 point per $1 spent on all other purchases.
  • No foreign transaction fees.
  • No blackout dates or seat restrictions.
  • Redeem your points for flights, hotel stays, gift cards, access to events, and more.
Annual Fee
$99
Regular APR
17.99% - 24.99% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On Chase's Secure Website

Ink Business Preferred℠ Credit Card

On Chase's Secure Website
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • 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 - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • 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 - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee
Annual Fee
$95
Regular APR
17.99% - 22.99% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On Chase's Secure Website

Ink Business Cash℠ Credit Card

On Chase's Secure Website
Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn $500 bonus cash back after you spend $3,000 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 card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee
  • Earn $500 bonus cash back after you spend $3,000 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 card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee
Annual Fee
$0
Regular APR
15.24% - 21.24% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

Chase credit cards offer a wide array of personal and business options for consumers and companies alike. Their portfolio also contains a number of cards that are affiliated with leading hotels and airlines that end up being good options for anyone looking to stay loyal with a specific chain. We reviewed the various offerings to determine which are Chase's best credit cards for rewards, interest rates, and signing bonuses.

Best Chase Credit Card Overall: Chase Sapphire Reserve®

Not only is the Chase Sapphire Reserve® one of the best Chase credit cards, but it's also arguably one of the best credit cards, period. Though the $450 annual fee may seem scary at first, the card comes with enough perks to justify that price. First, users get $300 in annual travel credit. Assuming you use all of it, that puts the effective annual fee at just $150. The Chase Sapphire Reserve® also provides users with Priority Pass membership which grants access to hundreds of airport lounges. We value this benefit at $399 per year. You also get special benefits when booking hotels through The Luxury Hotel & Resort Collection and a $100 application fee credit for Global Entry or TSA Pre✓®.

On top of these luxury travel perks, the Chase Sapphire Reserve® also gives you more reward points than most other Chase credit cards. You get 3 points per dollar on travel and dining worldwide (3 points on travel after you earn the $300 travel credit). Currently, the card also comes with a 50,000-point bonus that you unlock after making $4,000 in purchases using the card within the first 3 months of account opening. These are Chase Ultimate Rewards points that can be transferred to participating airline and hotel programs.

Highlights

  • $300 annual travel credit
  • 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
  • Points transferrable to participating airline and hotel programs, including Southwest, IHG and Marriott.
  • Full Review

Best Travel Credit Card: Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is one of the best travel credit cards we've reviewed. This card is good for travelers who aren't interested in the luxury perks provided by the Chase Sapphire Reserve®, or those who feel uncomfortable committing to a $450 credit card. As a general travel credit card, the Chase Sapphire Preferred® Card is all about flexibility. You can use the points you earn to book travel or transfer them to one of 11 participating airline and hotel programs. Chase Sapphire Preferred® Card cardholders can also take advantage of the card's points transfer program to use accrued rewards points towards loyalty programs with a number of airlines.

New cardholders can look forward to a 60,000 bonus points worth a minimum of $750 when used as statement credit towards travel, if they spend a minimum of $4,000 on purchases in the first 3 months from account opening. The Chase Sapphire Preferred® Card rewards are earned at the rate of 2 points for every $1 spent on travel or dining and 1 point for every $1 otherwise. All things considered, the card's rewards can equate to as much as 2.5% on your spending (2 points per dollar multiplied by the 1.25 bonus when redeeming for travel on the Chase portal). From its higher than average rewards potential to points flexibility, we name the Chase Sapphire Preferred® Card to be Chase's best credit card for travel rewards.

Highlights

  • $95 annual Fee
  • 60,000 points after you spend $4,000 on purchases in the first 3 months from account opening
  • Full Review

Best Cash Back Option: Chase Freedom®

The Chase Freedom® gives some of the highest rewards out of all credit cards, on categories that change on a quarterly basis. Cardholders get 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. All other credit card purchases will earn you 1% in cash back rewards. For example, in Q2 2017 users could get up to 5% back at grocery stores and drug stores. We looked through hundreds of credit cards and few can match these rewards.

The one caveat is that maximizing your rewards rate with the Chase Freedom® requires you to stay on top of which categories are currently eligible for the bonus and using the card accordingly. At least 25% of all your purchases should fall into the 5% categories in order for this card to be effective. Keep in mind, however, that this card also has no annual fee. Therefore, if you sometimes miss the mark and don't use this card effectively, it won't cost you anything.

Another understated feature of the Chase Freedom® is that the cash back is actually accrued as Ultimate Rewards points. This means that the rewards earned with the card can be paired with the benefits of some premium credit cards on the same Ultimate Rewards ecosystem. For example, the rewards can be combined with the Chase Sapphire Preferred® Card, which we went over above, to get a little extra juice out of your total rewards.

Note: Technically all of the Ultimate Rewards cards offered by Chase are effectively cash back credit cards, since your Ultimate Rewards points can be redeemed for cash back. However, the Chase Freedom® is one of only two that specialize in this category -- the other being the Chase Freedom Unlimited®

Highlights

  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers
  • Full Review

Best Fixed-Rate Cash Back: Chase Freedom Unlimited®

The Chase Freedom Unlimited® doesn't quite reach the same high cash back rates as Chase Freedom®, though it's good in its own right. The card gives a solid 1.5% cash back on all your purchases, no matter where you use it. There's no rotating categories or limits to worry about. This can be useful for one of two consumers: those for whom the Chase Freedom® categories don't hold any appeal, and those who don't want to have to manage their credit card spending.

Like the Chase Freedom®, the Chase Freedom Unlimited® isn't actually a cash back credit card. It awards Ultimate Rewards (UR) points. That means you can pair it up with another UR card if you want to optimize. Since it has no annual fee, the Chase Freedom Unlimited® makes for an excellent supplementary card. You can keep it in your wallet without having to worry much about whether you're getting enough use out of it. New cardmembers can also earn 3% cash back on all purchases in the first year for up to $20,000 spent.

Highlights

  • 1.5% cash back on all purchases
  • Part of the Ultimate Rewards family of cards
  • Full Review

Best For Earning Miles: Southwest Rapid Rewards® Premier Credit Card

The Southwest Rapid Rewards® Premier Credit Card is one of the best airline credit cards around. The chief reason for this designation is that the Southwest Rapid Rewards® Premier Credit Card showers you with miles and gives the opportunity to earn high valued travel perks. Users get 2 points per $1 spent on Southwest Airlines® purchases and 1 point per $1 everywhere else. You also get 6,000 points every account anniversary. All these Rapid Rewards points are worth approximately $0.015 each. Therefore, the card's rewards rate varies between 1.5% and 3%, and your annual point bonus is worth about $90 -- thus covering most of the card's annual fee.

One important limitation to be aware of is that Southwest is primarily a domestic airline. If you are more interested in Chase credit cards that can earn you miles for international travel, we recommend looking at the United℠ Explorer Card.

Highlights

  • $99 annual fee
  • 40,000 points after spending $1,000 in the first 3 months
  • 20,000 points after spending $12,000 in the first 12 months
  • Full Review

Best Balance Transfer Card: Chase Slate®

Though you can perform a balance transfer using any Chase credit card, the Chase Slate® is the only one to specialize in it. This is the only Chase credit card to not come with any rewards. Instead, it's mission is simple: to help you pay down your debt. The card comes with 0% introductory APR on purchases and balance transfers. Furthermore, there is a $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening. By contrast, most other credit cards will typically charge you 3% to 5% for each balance transfer, which will eat away into your savings.

Note that in their terms of service, Chase includes the following clause: "We will not process any balance transfer requests that are from any other account or loan that we (Chase Bank USA, N.A.) or any of our affiliates issued." That means you cannot transfer a balance from another Chase credit card to this one. Furthermore, note that you cannot transfer more than $15,000 in credit card balances. If your credit limit is lower, then you cannot transfer more than that limit allows.

Highlights

  • No annual fee
  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Full Review

The information related to the Chase Slate® has been collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

Best Chase Business Credit Cards

For small business owners, one of the two Chase business credit cards will likely be of some interest. Both are excellent offers, and have made it to our list of best small business credit cards.

Ink Business Preferred℠ Credit Card

The Ink Business Preferred℠ Credit Card is a premium business credit card and part of the Ultimate Rewards family of credit cards. The points you earn through it can be transferred at a 1:1 ratio to one of 11 participating hotel and airline programs, including Southwest, United Airlines and IHG. You can also trade your points in for either cash back or to make travel purchases directly. However, the card is at its best when you are using the points for travel-related purposes.

The Ink Business Preferred℠ Credit Card awards 3x points on the first $150,000 combined spending on travel, shipping, advertising through search engines and social media sites, and internet/cable/phone services. All other purchases give just 1 point per dollar. Each point carries a $0.0125 value, just like on the Chase Sapphire Preferred® Card. That puts its rewards rate at somewhere between 1.25% and 3.75%. Currently, this card also offers one of the best Ultimate Rewards bonuses of any Chase credit card. Cardholders get 80,000 points after they spend at least $5,000 on purchases in the first 3 months from account opening.

Highlights

  • $95 annual fee
  • 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening
  • 3 points per $1 on the first $150,000 spent in select categories each account anniversary year
  • Full Review

Ink Business Cash℠ Credit Card

The Ink Business Cash℠ Credit Card is the better business card for companies that have lower annual expenses and tend to shop with more traditional vendors, like office supply stores. The card has no annual fee, meaning any rewards you earn from it will be a net positive to your bottom line. The card awards 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable services each account anniversary year. Additionally, it also gives 2% cash back on the first $25k spent in combined purchases at gas stations and restaurants each year. All other purchases earn just 1% back.

Since this card doesn't charge an annual fee, the Ultimate Rewards points you earn through it are really only usable as cash back. With this card on its own, you cannot transfer the points to any airline or hotel.

Highlights

  • Between 2% and 5% cash back in select categories, up to category limits. Unlimited 1% back on all other purchases
  • $500 cash back bonus when you spend at least $3,000 on purchases in the first 3 months
  • 0% introductory APR for 12 months on purchases
  • Full Review

Chase Credit Card Bonuses

For those consumers who may be interested in the short-term rewards potential from Chase, we've highlighted below the bonuses available in the suite of Chase credit cards. Most of the cards require that you spend a minimum amount within the first 3 months to earn the bonus. Some of the cards have an additional bonus, not listed below, for hitting a larger spending target over the course of a year. Depending on your budget, this may impact your ability to earn the required rewards.

Personal Card

Spending RequirementsBonus
Chase Freedom®$500 in 3 months$150
Chase Sapphire Reserve®$4,000 in 3 months50,000 points
Chase Sapphire Preferred® Card$4,000 in 3 months60,000 points
United MileagePlus® Club Card$3,000 in 3 months50,000 miles
United℠ Explorer Card$2,000 in 3 months40,000 miles
Marriott Rewards® Premier Credit Card$3,000 in 3 months80,000 points
Southwest Rapid Rewards® Premier Credit Card$1,000 in 3 months40,000 points
Southwest Rapid Rewards® Plus Credit Card$1,000 in 3 months40,000 points
The Hyatt Credit Card$2,000 in 3 months40,000 points
Amazon Prime Rewards Visa Signature CardBonus upon approval$50 Amazon.com gift card
AARP® Credit Card$500 in 3 months$500

Business Card

Spending RequirementsBonus
Ink Business Cash℠ Credit Card$3,000 in 3 months$500
Ink Business Preferred℠ Credit Card$5,000 in 3 months80,000 points
Southwest Rapid Rewards® Premier Business Credit Card$3,000 in 3 months60,000 points
Marriott Rewards® Premier Business credit card$3,000 in 3 months80,000 points

Summary of the best Chase Credit Cards

FAQs about Chase credit cards

Below are some common questions about Chase credit cards.

Which Chase credit card is best for bad credit?

None of the Chase credit cards are meant for consumers who need to rebuild their credit. If you have a low score (below 670) and don't think you'll qualify for one of the cards on this list, consider opening a secured credit card, which requires a security deposit.

How can I get approved for a Chase credit card?

Your best chance at being approved for a Chase credit card is to have a good or excellent credit score, typically defined as over 700, and to have some prior history with credit cards. If you don't currently have any credit card accounts — but have good credit — consider opening an entry-level credit card and demonstrating good financial habits for six months. On the other end of the spectrum, Chase will deny you if you have opened more than five cards in the past 24 months (commonly known as the 5/24 rule).

Which Chase credit card is the easiest to get?

While good credit is required for all Chase credit cards, the Chase Freedom® and Chase Freedom Unlimited® are geared toward those who are newer to credit. Even so, we advise potential applicants to demonstrate responsible credit use with a beginner card for six to eight months before applying for a Chase card.

Joe Resendiz

Joe Resendiz is a former investment banking analyst for Goldman Sachs, where he covered public sector and infrastructure financing. During his time on Wall Street, Joe worked closely with the debt capital markets team, which allowed him to gain unique insights into the credit market. Joe is currently a research analyst who covers credit cards and the payments industry. He earned a bachelor’s degree from the University of Texas at Austin, where he majored in finance.

Comments and Questions

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).