Chase is one of the biggest banks in the Unites States, they offer a popular range of credit cards varying from beginner cards to premium travel rewards cards. However, the more premium cards will have a stricter approval requirement.
If you want to find out the minimum you need to get approved for a Chase credit card, continue reading below to find out!
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Table of Contents
Credit Score Needed for Chase Cards
Although there is no set credit requirement for Chase’s credit cards, there are general guidelines on certain cards. Like for more premium cards that has high annual fees, it will require you to have a high credit score.
| Excellent (720+) | Good-Excellet (700+) | Good (680+) | Average/Fair (600+) |
| Chase Sapphire Preferred | Chase World of Hyatt | Chase Freedom Unlimited | Chase Slate |
| Chase Sapphire Reseve | Chase United (Club & Explorer) | Chase Southwest Rapid Rewards (all) | Chase Disney Visa |
| Chase Marriott Bonvoy Boundless | Chase IHG Rewards Club Premier | ||
| Chase Amazon Prime Rewards Visa Signature |
But take in consideration that the table above is not the definitive guide since a few people reported being approved for the Sapphire Preferred credit card with a score under 700. Plus there are other factors that Chase considers as well.
Income Needed for Chase Cards
Chase considers your income in the decision process, even if there is no official income requirement for Chase cards. They want to make sure that your income can support the credit limit as well as the annual fee.
Moreover some of Chase’s card have minimum credit limits. Like for the Chase Sapphire Preferred, the credit limit is $5,000 and $10,00 for the Sapphire Reserve. So if your income isn’t high enough and Chase isn’t comfortable giving you that much credit then you won’t be approved for the card.
- Visa Traditional: Typically $500 minimum
- Freedom cards, Southwest cards, and Disney cards
- Visa Signature: $5,000 minimum
- Sapphire Preferred, Amazon Prime Rewards, United Explorer cards, Marriott Bonvoy, and World of Hyatt
- Visa Infinite: $10,000 minimum
- Chase Sapphire Reserve
- World Elite Mastercard: $5,000 minimum
- IHG Rewards Club cards
Needed for Chase Business Cards
Chase business card are not the easiest cards to get. All Chase business cards are Visa Signature cards with a minimum of $5,000 credit limit. The two most important things you need is:
- An excellent credit score (usually 720+)
- A for-profit business
When filling out the application, you’ll need to fill out the following:
- Type of business
- Annual revenue
- Number of employees
- Years in business
However, if you don’t have a real business, you won’t be approved no matter how great your credit is.
If you’re business is new and don’t have much business revenue, you don’t need to worry sine Chase will look at your personal credit history and personal income as well.
5/24 Requirement
To be considered for approval, it is recommended to stay under Chase’s 5/24 policy. This is rule is the reason why those with excellent credit scores are also denied.
The 5/24 rule is when you’ve opened five credit card accounts in the past 24 months with any bank, you will be denied for a new Chase card, even if you have a perfect standing credit score. It’s unofficial, but widely accepted.
Starting November 2018, ALL Chase credit cards are subjected to this rule, there are no longer any Chase cards to which this rule does not apply.
Please take note that the 5/24 limit is for new personal card accounts, so if you opened some new business credit cards in the past two years, they may not be counted with some exceptions.
Don’t have too many recent hard inquiries
Not only that, make sure you pay attention to how many inquiries you have on your credit report. Many people have reported that they have been rejected because of too many inquiries. This might let the bank think that you’re desperate for a credit.
So if you’ve been looking for a way to finance, you should wait a couple of months and then apply for a Chase card.
But if you do get denied for this reason then you can call reconsideration and explain the inquiries you have.
The Chase reconsideration hotline number is:
- 1-888-270-2127 (personal cards)
- 1-800-453-9719 (business cards)
Amount of Existing Credit With Chase
With Chase they usually have an amount of credit they are willing to give you with the calculated based on your income and other financial factors.
But if you already have a couple of Chase credit cards or are near or on the limit, they may not want to issue you a new card with more credit.
So if this happens, you just ask if you can transfer some of the exceeded limit to the new card, so this way you’re to getting anymore credit with Chase.
Chase 2/30 Rule
The 2/30 rule is another unofficial rule that states that you cannot be approved for more than two Chase cards within any 30-day period.
Most people who applied have such when it comes to two personal cards at the same time. This will be just one hard inquiry on your credit report. But this usually works best when the two cards are not from the same family, so just like a Chase Freedom Unlimited and a Chase co-branded card.
However, if you’re not sure whether you’d be approved, just try to apply for just one. Then apply for the second one after you’ve gotten approved.
Chase Sapphire Rules
If you’re thinking about applying for a popular Chase Sapphire cards like the Chase Sapphire Preferred and Sapphire Reserve, please know that you can’t own more than one card in the Sapphire family.
So if you have the Sapphire Preferred card and now want the Reserve, you won’t be able to apply. So if this happens, you have to call customer service and do:
- Upgrade your current Preferred to Reserve, or
- Close your Preferred account and apply to Reserve.
There are some rules regarding the welcome bonus too. You can only earn the welcome bonus on a Sapphire card once every 48 months.
Chase Credit Cards
Personal Chase Credit Cards
 The Chase Sapphire Preferred Card offers 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening. You'll earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1X point per dollar spent on all other purchases.. And when you redeem your points for travel through Chase Ultimate Rewards, you'll get 25% more value! You get unlimited deliveries with a $0 delivery fee & reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21. This card carries a $95 annual fee. |
 The Chase Sapphire Reserve offers 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®. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit. You'll earn 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. When redeeming your points for travel through Chase Ultimate Rewards, you'll get 50% more value. This card does carry a $550 annual fee and there are no foreign transaction fees. However, you're able to earn a $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year & up to $100 application fee credit for Global Entry or TSA Pre?®. |
 The Chase Freedom Flex offers a $200 bonus after you spend $500 on purchases in your first 3 months from account opening. You'll earn: • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. • 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases. You cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. You'll be able to new 5% categories each quarter! This card has no annual fee. |
 The Chase Freedom Unlimited Card offers a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on all purchases. In addition, you can earn: • 5% on travel purchased through Chase, • 3% on dining at restaurants and drugstores, and • Unlimited 1.5% cash back on all other purchases. There is no minimum to redeem for cash back & your cash back rewards do not expire as long as your account is open. This card comes with no annual fee and you'll get a free credit score that is updated weekly with Credit JourneySM. |
 The Southwest Rapid Rewards Plus Credit Card offers 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year. You'll earn: • 2x points per $1 spent on Southwest® purchases & Rapid Rewards® hotel/car rental partner purchases; • 1x point on all other purchases - in which all points earned with either card count towards Companion Pass. You're able to redeem your your points for flights, hotel stays, gift cards, access to events & more! This card does carry a $69 annual fee. |
 The Southwest Rapid Rewards Premier Credit Card offers 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year. You'll earn: • 2x points per $1 spent on Southwest® purchases & Rapid Rewards® hotel/car rental partner purchases; • 1x point on all other purchases. You're able to redeem your points for flights, hotel stays, gift cards, access to events and more. This card does carry a $99 annual fee, but there are no foreign transaction fee. |
 The United Explorer Card offers 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open. Plus, an additional 25,000 bonus miles after you spend $10,000 in the first 6 months. You'll earn 2X Miles per $1 spent at restaurants, hotel stays, eligible delivery services, & purchases from United; 1X miles for all other purchases. Perks of this card include: • Getting up to $100 Global Entry / TSA PreCheck Fee Credit • Get your first bag checked for free (up to $140 savings per roundtrip) when you using your Card to purchase your ticket • Get priority boarding perks & visit the United Club with 2 one-time passes each year for your anniversary This card does come with a $95 annual fee, however, the annual fee is waived for the first year. |
 The IHG Rewards Club Traveler Credit Card offers 60,000 bonus points after spending $2,000 on purchases within the first three months of account opening. You'll earn up to 15X points total per $1 spent when you stay at an IHG hotel, 2X points per $1 spent on purchases at gas stations, grocery stores, and restaurants. 1X point per $1 spent on all other purchases. This card has no annual fee or foreign transaction fees. |
 The Southwest Rapid Rewards Priority Credit Card offers 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year. You'll earn: • 2x points per $1 spent on Southwest® purchases & Rapid Rewards® hotel/car rental partner purchases; • 1x point on all other purchases. Some perks include receiving 4 Upgraded Boardings per year when available, savings of 20% back on in-flight drinks and WiFi, and more! This card carries a $149 annual fee and no transaction fees. |
 The British Airways Visa Signature Card offers 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months from account opening. Plus earn a Travel Together Ticket after you spend $20,000 total on purchases within your first year of account opening. You'll earn: • 5X Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL within your first 12 months from account opening, thereafter earn 3X Avios. • 3X Avios per $1 spent on hotel accommodations when purchased directly with the hotel within your first 12 months from account opening, thereafter earn 2X Avios. • 1X Avios per $1 spent on all other purchases. This card comes with a $95 annual fee and no foreign transaction fees. You'll be able to get 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials. In addition, every calendar year you make $30,000 in purchases on your British Airways Visa card, you'll earn a Travel Together Ticket good for two years. |
 The Marriott Bonvoy Boundless Credit Card offers 100,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. You'll earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott BonvoyTM & 2X Bonvoy points for every $1 spent on all other purchases. You gain an automatic Silver Elite Status each account anniversary year. Path to Gold Status when you spend $35,000 on purchases each account year. You'll receive 15 Elite Night Credits each calendar year & an additional Free Night Award (valued up to 35,000 points) every year after account anniversary. This card does carry a $95 fee; there are no foreign transaction fees. |
 The World Of Hyatt Credit Card offers 30,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus, 2 Bonus Points per $1 spent on purchases that earn 1 Bonus Point up to $15,000 in the first 6 months of account opening. You'll earn 9 points total for Hyatt stays - 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member. To add, you'll earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships. You'll earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card. This card does carry a $95 annual fee, however, the perks sure make up for it. For instance, you'll receive 1 free night at any Category 1-4 Hyatt hotel or resort after your Cardmember anniversary and an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 during your cardmember anniversary year. |
Business Credit Cards
 The Ink Business Unlimited Credit Card offers $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. You'll earn an unlimited 1.5% cash back on every purchase made for your business and you'll receive employee cards at no additional cost. This card carries no annual fee and you'll have the opportunity to take advantage of a 0% introductory APR for 12 months on purchases |
 The Chase Ink Business Cash Card offers $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. You'll 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, 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, & % cash back on all other card purchases with no limit to the amount you can earn. This card comes with no annual fee. You'll be able to take advantage of employee cards at no additional cost & the 0% introductory APR for 12 months on purchases. |
 The Chase Ink Business Preferred Card offers 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®. You'll earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year; 1 point per $1 on all other purchases - with no limit to the amount you can earn. Furthermore, points are worth 25% more when you redeem for travel through Chase Ultimate Rewards. This card does come with a $95 annual fee but does not have any foreign transaction fees. |
 The Southwest Rapid Rewards Premier Business Card offers 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open in addition to 6,000 bonus points after your Cardmember anniversary. You'll earn 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. This card does carry a $99 annual fee and there are no foreign transaction fees. |
 The Southwest Rapid Rewards Performance Business Credit Card offers 80,000 points after you spend $5,000 on purchases in the first 3 months. This card earns 3X points per $1 spent on Southwest Airlines® purchases. 2X points per $1 spent on social media and search engine advertising, Internet, cable and phone services and 1X point per $1 spent on all other purchases In addition, you can score 9,000 bonus points after your Cardmember anniversary, get 4 upgraded boarding passes per year, and more! |
 The United Business Card offers 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. You can also receive 5,000-mile better-together anniversary bonus when you have the United Business Card and a personal United credit card. You'll earn 2X miles per $1 spent on United purchases, at restaurants (including eligible delivery services), gas stations, office supply stores, and on local transit and commuting.; 1X mile per $1 spent on all other purchases. The card does carry a $99 annual fee (waived first year), however, you're able to save up to $140 per round-trip with a free checked bag. In addition, you can enjoy priority boarding privileges and have the opportunity for two one-time United ClubSM passes each year — Over $100 in value per year. Also, enjoy $100 annual United travel credit after 7 flight purchases of $100 or more. |
Bottom Line
We hope that this post helped you get a better of what is needed when you’re applying for a Chase credit card. Although there is no official credit or income requirement, you can use the guidelines above to assess how qualified you are before you apply. But if you’re falling short, maybe you should try building your credit first.
If you’re looking for a specific Chase credit card to sign up for, you can check out the best Chase credit card bonuses here! Are you interested on banking with them or already are? You can check out Chase bonuses or more Chase offers if you’re a cardholder.
However, if you’re not looking for any Chase related product, you can check out other credit cards to sign up for here at HMB!
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