How to Prequalify for Chase Credit Cards

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Chase credit cards are often highly recommended yet they're not always the easiest to get. That's why many folks like to check for Chase pre-approval or prequalification offers before applying.

Chase sometimes has a convenient prequalification tool on its website, but the tool is not always available. Fortunately, that's not your only option. Read on to learn how to prequalify for a Chase credit card.

How to prequalify for a Chase credit card

Use the Chase pre-approval tool
When Chase's pre-approval tool is available, it's a fast and easy way to check for these offers. Here's how to use it:
1. Go to the Chase credit card pre-approval page.
2. Provide your name, address, and the last four digits of your Social Security number.
3. Check the box at the bottom and submit the form.
Unfortunately, Chase sometimes takes this page down. If so, you'll see a message on the page saying that the pre-approval program is currently unavailable. In that case, you'll need to try another option.
Get an offer from Chase in the mail
Chase pre-approval offers are regularly sent out by mail. While there's not much you can do to trigger a mail offer -- outside of ensuring your mailing address is up to date -- they can be worth pursuing if you receive one.
Check for offers in your Chase account
If you have an existing relationship with Chase, such as a Chase credit card or bank account, you can check for pre-approval offers online or at a Chase branch location.
Here's how to check for your Chase pre-approval offers online:
1. Log in to your Chase account
2. Open the main menu.
3. Click "Just for You" in the "Explore Products" section.
4. See if you have any Chase credit card pre-approvals.
You can also visit a Chase branch near you and ask about pre-approval offers. These may or may not be different from what you see online.
See Also
10 Things Not To Say To Your Mortgage Broker | Loan Approval Top Reasons for a Personal Loan My Chase Loan | Credit Card

Can I get pre-approval for Chase credit cards, like Chase Freedom Flex℠?

Yes, you can get a Chase Freedom Flex℠ pre-approval through any of the above methods. The Chase Freedom Flex℠ -- and its sibling, the Chase Freedom Unlimited® -- both offer great cash back rates and welcome bonuses. You can compare them and learn more about qualification requirements in the table below:

As of May. 30, 2024


Chase Freedom Flex℠	Chase Freedom Unlimited®
Rating image, 5.00 out of 5 stars. 5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor	Rating image, 5.00 out of 5 stars. 5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Apply Now for Chase Freedom Flex℠ OnChase'sSecure Website.	Apply Now for Chase Freedom Unlimited® OnChase'sSecure Website.
Read Full Review	Read Full Review
Credit Rating Requirement:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions. Recommended Credit Score required for this offer is: Good/Excellent (670-850) Poor Fair Good Excellent 300-579 580-669 670-739 740-850 Good/Excellent (670-850)	Credit Rating Requirement:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions. Recommended Credit Score required for this offer is: Good/Excellent (670-850) Poor Fair Good Excellent 300-579 580-669 670-739 740-850 Good/Excellent (670-850)

Welcome Offer:Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening! $200 bonus	Welcome Offer:Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. Up to $300 cash back

Rewards Program:5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases. 5% cash back offer	Rewards Program:Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases 1.5% - 5% cash back

Intro APR:0% Intro APR on Purchases Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months	Intro APR:0% Intro APR on Purchases and Balance Transfers for 15 months Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months

Regular APR: 20.49%-29.24% Variable	Regular APR: 20.49% - 29.24% Variable

Annual Fee:N/A $0	Annual Fee:N/A $0

Highlights: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases. No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open! 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%. No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more. Member FDIC	Highlights: INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program thatlets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases. No minimum to redeem for cash back.You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expireas long as your account is open! Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%. No annual fee –You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more. Member FDIC
Apply Now for Chase Freedom Flex℠ OnChase'sSecure Website.	Apply Now for Chase Freedom Unlimited® OnChase'sSecure Website.
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Pre-approval or prequalification only means you're likely (but not guaranteed) to qualify. So, a positive Chase Freedom pre-approval result doesn't guarantee approval. It's a good first step, but you will still need to apply for the card and get approved by Chase.

If you aren't pre-approved for a Chase Freedom card, you can still apply. But consider improving your credit score and checking again in the future. When it's available, you can fill out the Chase credit card prequalification application as often as you want.

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Check your Chase account

In some cases, you may get pre-approved for a Chase credit card without any action on your part. Some consumers may receive a prequalified offer in the mail. You can also get a pre-approved offer if you already have a Chase bank or credit account. Check the "Just for You" section in your online account to see pre-approval offers.

Can I prequalify for Chase Sapphire?

Yes, you can prequalify for both Chase Sapphire cards. These are Chase's premier travel rewards cards and are among the hardest Chase cards to get. Checking for prequalifications can be a smart move if you want one of these cards.

As of May. 30, 2024


Chase Sapphire Reserve®	Chase Sapphire Preferred® Card
Rating image, 4.50 out of 5 stars. 4.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor	Rating image, 4.50 out of 5 stars. 4.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Apply Now for Chase Sapphire Reserve® OnChase'sSecure Website.	Apply Now for Chase Sapphire Preferred® Card OnChase'sSecure Website.
Read Full Review	Read Full Review
Credit Rating Requirement:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions. Recommended Credit Score required for this offer is: Good/Excellent (670-850) Poor Fair Good Excellent 300-579 580-669 670-739 740-850 Good/Excellent (670-850)	Credit Rating Requirement:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions. Recommended Credit Score required for this offer is: Good/Excellent (670-850) Poor Fair Good Excellent 300-579 580-669 670-739 740-850 Good/Excellent (670-850)

Welcome Offer:Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠. 75,000 bonus points	Welcome Offer:Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠. 75,000 bonus points

Rewards Program:Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases. 5x points on flights and 10x points on hotels and car rentals through Chase Travel℠.	Rewards Program:Enjoy beneﬁts such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases

Intro APR: Purchases: N/A Balance Transfers: N/A	Intro APR:N/A Purchases: N/A Balance Transfers: N/A

Regular APR: 22.49%-29.49% Variable	Regular APR: 21.49%-28.49% Variable

Annual Fee:N/A $550	Annual Fee:N/A $95

Highlights: Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠. $300 Annual Travel Credit as reimbursem*nt for travel purchases charged to your card each account anniversary year. Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 75,000 points are worth $1125 toward travel. 1:1 point transfer to leading airline and hotel loyalty programs Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck® Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more. Member FDIC	Highlights: Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠. Enjoy beneﬁts such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 75,000 points are worth $937.50 toward travel. Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more. Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024. Member FDIC
Apply Now for Chase Sapphire Reserve® OnChase'sSecure Website.	Apply Now for Chase Sapphire Preferred® Card OnChase'sSecure Website.
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The Chase Sapphire prequalification process is the same as it is for any Chase card. You can find pre-approval offers through any of the methods mentioned above.

The luxury Chase Sapphire Reserve® is primarily for cardholders with excellent credit and a strong credit history.

The Chase Sapphire Preferred® Card also requires excellent credit, but it is reportedly easier to get than its more-expensive sibling.

What factors are considered for a Chase credit card pre-approval?

There are a few factors that Chase weighs, including:

Your credit history: You'll usually need a good to excellent credit score for a Chase card. Specifically, most of its cards are aimed at consumers with a FICO® Score of 670 or higher.
Your existing credit accounts: Chase will almost always deny your application if you've opened five or more credit cards over the past 24 months. This restriction is popularly known as Chase's 5/24 rule. Pre-approvals (but not prequalifications) are one of the few ways you can sometimes get around this rule.
Your income: Chase, like most card issuers, considers income on credit card applications and prequalification offers.

Best Chase Credit Cards

Learn more about the select few Chase credit cards that landed a spot on our shortlist. Some of these cards pack in big bonuses, rich rewards, and long 0% intro APR offers.

Best Chase Credit Cards

Will applying for a Chase card affect my credit?

There's no effect on your credit during the Chase pre-approval or prequalification process. However, filling out a full card application will result in a hard credit check when Chase pulls your credit report. Hard credit checks cause a small drop in your credit score. For most consumers, one hard credit check takes fewer than five points off their FICO® Score (the most widely used type of credit score).

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Prequalification isn't a guarantee

Getting a pre-approval or prequalification offer for a Chase credit card only means you could be approved if you apply -- not that you will be approved.

Pre-approval vs. prequalified

"Pre-approval" and "prequalified" can be confusing terms. While they're often used interchangeably, they actually have different meanings. Here's how they're used by Chase.

A Chase pre-approval for a credit card means you've passed the first stage of the approval process. This means Chase has selected you for a card and sent you an offer to apply for it. If you received the offer through any of the following methods, it's most likely a Chase pre-approval:

Checking for offers in the "Just for You" section of your Chase account
Visiting a Chase branch and asking about pre-approval offers
Getting an offer from Chase by mail or email

The great thing about a Chase pre-approval is that it can potentially get you around the strict Chase 5/24 application rule. Normally, Chase won't approve your application if you've already opened five or more credit cards in the previous 24 months. That restriction often doesn't apply to those who are applying for a Chase card through a pre-approval offer.

A Chase prequalification occurs when you reach out to Chase. When you submit your information to Chase to check card offers, you'll receive prequalification offers. The confusing part is that Chase's prequalification tool uses the term "pre-approved," even though the offers you receive fit the definition of prequalification offers.

Still have questions?

Here are some other questions we've answered:

What Credit Score Do I Need for a Chase Credit Card?
How to Qualify for Discover Pre-Approval
How to Use the Chase Travel Portal

FAQs

You can prequalify for Chase credit cards through Chase's online tool or by asking a teller at a Chase branch. The online Chase prequalification tool is the most convenient option, but it's not always available. You can also get pre-approved for a Chase card through a mail offer or by checking the "Just for You" section of your Chase account.
Yes, you can be pre-approved for a Chase Sapphire card by mail or through your online account. This includes the Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card. However, you can't fill out a Chase credit card prequalification application for only the Chase Sapphire cards.
To get pre-approved for a Chase Freedom, wait for a mailed offer or check the "Just for You" section of your Chase account. You can also use the Chase prequalification tool to look for offers with all Chase credit cards at the same time. However, it's not always available, as Chase occasionally removes the tool from its site.
There's no impact to your credit during the Chase pre-approval or prequalification process. Chase only performs a soft credit check for this process, which doesn't affect your credit score.

Our Credit Cards Experts

By:Brittney Myers

Writer

Brittney started her writing career in the world of science, putting her physics degree to good use. Her journey into finance started with building her personal credit, but soon grew into a borderline obsession with credit cards and travel rewards. For the last 7 years, she has enjoyed the ability to share her expertise with readers, as well as the opportunity to interview companies and individuals making an impact on our financial lives. She wholly believe most problems can be solved with the right research -- and a good spreadsheet -- and she specializes in translating complex financial topics into actionable advice to help educate and empower readers.

Fact CheckedAshley Maready

Writer and Editor

Ashley Maready is a former history museum professional who made the leap to digital content writing and editing in 2021. She has a BA in History and Philosophy from Hood College and an MA in Applied History from Shippensburg University. Ashley loves creating content for the public and learning new things so she can teach others, whether it's information about salt mining, canal mules, or personal finance.

How to Prequalify for Chase Credit Cards | The Motley Fool (2024)