Preapproved Chase Credit Cards: How To Qualify Bankrate Caret RightMain Menu Mortgage Mortgages Financing a home purchase Refinancing your existing loan Finding the right lender Additional Resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Bank Banking Compare Accounts Use calculators Get advice Bank reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Credit Card Credit cards Compare by category Compare by credit needed Compare by issuer Get advice Looking for the perfect credit card? Narrow your search with CardMatch Caret RightMain Menu Loan Loans Personal Loans Student Loans Auto Loans Loan calculators Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Invest Investing Best of Brokerages and robo-advisors Learn the basics Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Home Equity Home equity Get the best rates Lender reviews Use calculators Knowledge base Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Loan Home Improvement Real estate Selling a home Buying a home Finding the right agent Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Insurance Insurance Car insurance Homeowners insurance Other insurance Company reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Retirement Retirement Retirement plans & accounts Learn the basics Retirement calculators Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Advertiser Disclosure
Advertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. SHARE: On This Page
GaudiLab/Shutterstock.com September 30, 2022 Meredith Hoffman is a personal finance writer covering credit card news and advice at Bankrate. She is originally from Columbia, S.C., and received her bachelor's degree from the Univ. of North Carolina at Wilmington. Before joining Bankrate in October 2019, Meredith worked as the news editor of Wilmington’s local newspaper, The Seahawk. Liz Bingler is an Associate Editor for CreditCards.com and Bankrate, where she focuses on product news and reviews. As an editor, her goal is to produce content that will help people to make informed financial decisions. Bankrate logo The Bankrate promise
At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation for how we make money. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Bankrate logo The Bankrate promise
At Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in your journey — and make it one you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to: Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions. Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. Bankrate logo Editorial integrity
Bankrate follows a strict , so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. Editorial Independence
Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Bankrate logo How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Chase offers some of the on the market, but qualifying for one of these cards isn’t necessarily an easy feat. All Chase credit cards for approval, and Chase also has a rule — the — that limits how many new credit cards a consumer can open over a specific time span. In other words, if you’ve opened five or more credit cards (from any issuer) within 24 months, you’re unlikely to be approved for a new Chase card. Fortunately, there are several ways to see if you’re preapproved for a Chase credit card. For instance, Chase usually has a that allows cardholders to easily check for preapproved credit card offers. However, it’s important to note that Chase occasionally removes this tool from its website. Otherwise, Chase may send promotions to you via snail mail, or if you’re an existing Chase cardholder, you might receive targeted offers directly to your online account. Alternatively, Bankrate’s tool can also help you . Which Chase cards can you get preapproved for
There are many you might be targeted for or preapproved for, including: The Chase Sapphire Preferred and Chase Sapphire Reserve are ideal for consumers who want to earn flexible travel rewards (or luxury travel perks), whereas the Chase Freedom Unlimited and Chase Freedom Flex are better suited to anyone who wants to earn cash back without paying an annual fee. As for the Chase Slate Edge, this card is best for consumers who are interested in or paying off a large purchase over time. How to get preapproved for a Chase card
Before we dive in, know that Chase will only perform a to see if you’re prequalified for a card offer. Unlike a hard inquiry — which can negatively impact your and requires your full Social Security number — a soft inquiry only requires very basic personal information. Additionally, keep in mind that a prequalified Chase offer is not a guarantee of card approval. This step only ensures you’re likely eligible for a Chase credit card based on your income, your credit and other factors. To get a Chase credit card, you will still need to , which will require a hard credit check. On Chase s website
Getting preapproved for a Chase credit card is as simple as checking the issuer’s site to see which card(s) you’re preapproved for. On this page, simply enter personal details like your first and last name, street address and the last four digits of your Social Security number. Then click “Find My Offers” to see if there are any cards you’re preapproved for. It’s important to note that Chase sometimes removes its preapproved offers page, which makes the process of checking for offers a bit more complicated. But it’s not impossible if you know where to look. Through your Chase account
If you’re an existing Chase cardholder, you can check for preapproved credit card offers once you log in to your account. To do this, follow these steps: Log in to your Chase account via desktop or mobile. Navigate to “Open an account” on your account menu. Select “Just for you” to view your current targeted offers from Chase. Browse for any credit card prequalifications. In your mailbox
In addition to targeting current users via their Chase account, Chase is also known to target potential cardholders via snail mail. Keep an eye out for any mailers promoting popular Chase cards, and be sure to scan for . CardMatch offers
Another great way to see if you prequalify for one of the issuer’s credit cards is by using Bankrate’s tool. Like other prequalification tools, CardMatch issues a soft pull to your credit, not a hard pull, which means there’s no impact to your credit score. In this tool, you’ll enter basic information like your name, street address, employment status, income, email address and the last four digits of your Social Security number. You’ll then be matched with qualifying card offers from a variety of issuers — including Chase. The one major benefit of taking this route is that, even if you don’t qualify for a Chase card, you might find an offer from another issuer that is better for you. But keep in mind that a preapproved offer in CardMatch doesn’t guarantee you’ll be approved for a card when you apply. How to boost your chances of preapproval for a Chase card
There are several steps you can take to increase your chances of being prequalified — and approved — for a Chase credit card: Check your credit score. Before applying for any credit card, make sure you . When it comes to Chase, you’ll likely need at least (670 or higher) to qualify for cards like the Chase Freedom Unlimited, Chase Freedom Flex or Chase Slate Edge. To qualify for the Chase Sapphire Preferred and Chase Sapphire Reserve, you’ll likely need very good (740 or higher) to (800 or higher). However, you’ll likely have the best odds of approval for any Chase card if your credit score is in the very good to excellent range. If your credit score falls below this range, you may need to before you can qualify for a Chase card. Pay your bills early or on time. Your payment history is the most important factor when determining your . Paying all your bills early or on time is a smart way to ensure your credit score stays in good shape. Keep your credit utilization low. The second most important factor that makes up your FICO score is your — or the amount you owe in relation to your credit limit. It’s generally recommended to keep your credit utilization below 30 percent, but there’s no hard and fast number that will guarantee success. But if your debt levels are high, you may be able to boost your credit score by paying off other debt. Regardless, be mindful of your credit utilization as you work on improving your FICO score and focus on keeping it as low as possible. Count all of your household income in applications. Individuals can list when applying for credit, which can be helpful for spouses who stay home or don’t work but have access to income otherwise. With that in mind, make sure you’re listing your household income, not just your personal income, on any credit card applications. Don’t apply for too many credit cards over a short span of time. Finally, remember that you’re unlikely to get approved for a Chase credit card if you’ve gotten too many new cards recently. If you’ve gotten more than five new cards in the last 24 months, you may need to for the Chase credit card you want. The bottom line
Getting prequalified for a Chase credit card has its benefits: You can gauge if you’re likely to be approved for a Chase card without a hard inquiry on your credit report. On the downside, remember that preapproval doesn’t guarantee you’ll get the card you want. So, should you get preapproved? If you anyway, then you have nothing to lose. Just remember that you’ll have to fill out a full application to see if you’re approved or not, which means that you could face a without anything to show for it. SHARE: Meredith Hoffman is a personal finance writer covering credit card news and advice at Bankrate. She is originally from Columbia, S.C., and received her bachelor's degree from the Univ. of North Carolina at Wilmington. Before joining Bankrate in October 2019, Meredith worked as the news editor of Wilmington’s local newspaper, The Seahawk. Liz Bingler is an Associate Editor for CreditCards.com and Bankrate, where she focuses on product news and reviews. As an editor, her goal is to produce content that will help people to make informed financial decisions. Related Articles