Easiest Chase Card to Get Approved For in 2024 (2024)

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Chip Lupo, Credit Card Writer

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The easiest Chase credit card to get is the Chase Freedom Rise℠, as applicants can get approved for this card with limited credit. This means the odds of approval are good even for people who are new to credit, making the Chase Freedom Rise℠ much easier to get than other Chase credit cards.

Easiest Chase Credit Cards to Get

  • Chase Freedom® Student credit card: requires limited credit or better
  • Chase Freedom Unlimited®: requires good credit or better
  • Chase Freedom Flex℠: requires good credit or better
  • Chase Sapphire Preferred® Card: requires good credit or better

Having one of these Chase credit cards may increase your chances of landing a higher-tier credit card in the future, if you use it responsibly. That means paying your bill on time every month and keeping your credit utilization below 30% of your credit limit.

This answer was first published on 06/22/21 and it was last updated on 02/27/24. 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.

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Justine Browns, Member

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I think the easier ones to get would be Chase Freedom Flex℠ and Chase Freedom Unlimited®. This means you might get approved for them even without having an excellent credit score. You’d still need to have good credit, which means at least 700. They’re both good credit cards that give you cash back, and a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

This answer was first published on 04/04/18 and it was last updated on 01/15/24. 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.

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Francine Yates, Member

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Chase doesn't really make "easy to get" cards, like for bad credit. Generally you need 700 and above to get one of them.

This answer was first published on 03/16/18. 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.

People also ask

What credit score do you need for a Chase credit card?

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...

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What are the best credit cards for a 550 credit score?

One of the best credit cards for a 550 credit score is the OpenSky® Plus Secured Visa® Credit Card because it has a $0 annual fee and there’s no credit check when you apply, so approval is almost guaranteed. You just need $300 for a refundable security deposit and enough income to make monthly payments. This card also reports to all three major credit bureaus (Equifax, Experian, and TransUnion) every month, which is your ticket to a better credit score.

However, this isn’t...

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What are the Chase credit card requirements for approval?

The Chase credit card requirements for approval include a Social Security Number, a physical U.S. mailing address, enough income for monthly bill payments, and good or excellent credit score of 700+ in most cases. Applicants also need to be at least 18 years old to qualify. Just note that some requirements may vary depending on the card.

Things to Know About the Chase Credit Card Requirements

Most of Chase’s credit card requirements are pretty...

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Important Disclosures

* WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Chase Freedom Flex℠, Bank of America® Customized Cash Rewards Secured Credit Card, U.S. Bank Cash+® Visa® Secured Card, Business Advantage Unlimited Cash Rewards Secured credit card, Chase Freedom® Student credit card, Amazon Credit Card, Chase Slate Edge℠, and The World of Hyatt Credit Card

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Easiest Chase Card to Get Approved For in 2024 (2024)

FAQs

Easiest Chase Card to Get Approved For in 2024? ›

Chase does have one card designed for new cardholders, the Chase Freedom Rise℠. It's a no-annual-fee cash-back card with some added benefits to help you build and maintain good credit. Otherwise, many of Chase's credit cards are rewards credit cards or travel credit cards with stricter requirements for approval.

What is the easiest Chase card to get accepted? ›

Chase Freedom Rise is a card that may be available to people new to credit. Visit your local Chase branch to apply. You can also use Chase Credit Journey® as a resource for free credit score monitoring and receive a free, personalized score improvement plan provided by Experian™.

What is the lowest score for Chase credit card? ›

You need a credit score of 670 or higher for most Chase credit cards.

What is the 5 24 rule on Chase card application? ›

The 5/24 rule is an unofficial policy that dictates that Chase won't approve you for its cards if you've opened five or more personal credit card accounts from any issuer in the last 24 months. Put simply, the number of cards you've opened in the previous two years will affect your approval odds with Chase.

What is the hardest Chase card to get approved for? ›

Why it's one of the hardest credit cards to get: Chase Sapphire Reserve® is one of the hardest credit cards to get approved for by virtue of the fact that it is one of the best rewards cards on the market. From its initial bonus of 60,000 points to the ...

What is the minimum credit score for a Chase card? ›

For most Chase credit cards, you need at least good credit to be approved, which is a credit score of at least 670. A score of 740 or higher bumps you into the “very good” credit range and gives you an even stronger chance at approval. This score requirement is standard for most rewards credit cards.

Is Chase Freedom hard to get approved for? ›

It's not hard to get a Chase Freedom card. If you're building credit, you could qualify for the Chase Freedom Rise℠ Credit Card, even if you don't have a credit score yet. The Chase Freedom Unlimited® and Chase Freedom Flex℠ are more difficult to get, as they generally require a good credit score of 670 or higher.

How to bypass Chase 5/24 rule? ›

How to bypass the Chase 5/24 rule? If you've been approved for five cards in the past 24 months, you will not be approved for another Chase card thanks to the 5/24 rule. There have been reports of “Selected for you” and “Just for you” offers being exempt from the 5/24 rule.

What is the Chase credit card max rule? ›

In short, this refers to the unofficial rule that Chase won't approve a credit card application for someone who has opened five or more new credit cards from any issuer in the past 24 months.

What is the credit limit for Chase Freedom Flex? ›

The Chase Freedom Flex℠ has a minimum credit limit of $500, but it's possible to get a much larger amount, including over $20,000. Chase determines your credit limit based on many factors, with your income and credit history being most important. Is the Chase Freedom Flex℠ a Visa or Mastercard?

What is Chase highest credit limit? ›

The highest reported credit limit for Chase is $100,000, on the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®. A limit this high is naturally only available to people with excellent credit and a high income.

Is Chase easy to get approved for? ›

Most Chase credit cards require a good credit score of 700 or higher for approval, in addition to enough income to afford monthly bill payments. The higher your credit score and income are, the better your odds of approval for a Chase credit card will be.

What credit card is the easiest to get? ›

The Discover it® Secured Credit Card is our top pick for easiest credit card to get because it's geared toward those with limited/poor credit.

What is the easiest card to get approved? ›

Easiest credit cards to get: Summary
  • Best for fair credit: Capital One QuicksilverOne Cash Rewards Credit Card.
  • Best for students: Chase Freedom Rise℠
  • Best secured card: Secured Chime Credit Builder Visa® Credit Card.
  • Best for bad credit: Capital One Quicksilver Secured Cash Rewards Credit Card.
Mar 12, 2024

Is there a Chase card for bad credit? ›

No, there are no Chase credit cards for bad credit. You'll need good or excellent credit to get most Chase cards. However, there are plenty of options from other issuers to choose from. A good example is the OpenSky® Secured Visa® Credit Card.

Is Chase Bank hard to get approved for? ›

Chase credit card approval odds are best for people with a credit score of 700+. That means you'll need at least good credit to be approved. Chase credit card approval odds will also be influenced by the applicants' annual income and existing debts.

What credit score do you need to bank with Chase? ›

You don't need a certain credit score to open a Chase checking or savings account, as there is no credit score requirement. Chase does not require a credit score for these accounts because they are deposit accounts, not loans or lines of credit.

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