You need a credit score of 700 or higher to get approved for most Chase credit cards, as they require good credit at a minimum. For example, the credit score requirement for both the Chase Freedom Flex℠ card and the Chase Sapphire Preferred® Card is 700+.
The main exception to the rule is the Chase Freedom Rise℠, which is available to people with limited credit or better. Still, the higher your credit score is, the better your Chase credit card approval odds will be.
Chase Credit Card Credit Score Requirements
- Chase Sapphire Reserve®: Excellent Credit (750+)
- Chase Freedom Flex℠: Good Credit (700+)
- Chase Slate Edge℠: Good Credit (700+)
- Chase Freedom Unlimited®: Good Credit (700+)
- Chase Sapphire Preferred® Card: Good Credit (700+)
- Amazon Credit Card: Good Credit (700+)
- Chase Freedom Rise℠: Limited History. This card accepts people who have less than 3 years of credit history.
- Ink Business cards: Good Credit. Ink Business Preferred® Credit Card, for instance, requires a credit score of 700 at a minimum. That means you need good credit or better for approval.
- Chase hotel cards: Good Credit. The World of Hyatt Credit Card, for instance, requires a credit score of 700 at a minimum. That means you need good credit or better for approval.
- Most Chase airline cards: Good Credit. United Quest℠ Card, for instance, requires a credit score of 700 at a minimum. That means you need good credit or better for approval.
Be sure to check your credit score regularly to assess your chances of meeting the Chase credit card credit score requirements. Chase also has an online pre-approval tool that gives you an indication of how well your credit stacks up without having to formally apply. You’ll know within seconds if you’re pre-approved for any Chase credit cards. There’s no guarantee you’ll be approved if you apply, but the odds are on your side.
Pre-approvals are done using a soft inquiry or “soft pull” on your credit report, which means there’s no effect on your credit score. However, if you decide to actually apply for a card, Chase will perform a hard inquiry, which may cause a slight dip in your credit score.
This answer was first published on 06/04/21 and it was last updated on 03/18/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
