Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! Finance. He was born in California but currently lives as a digital nomad with a home base in Colombia.
Our Credit Cards Expert
Fact Checked Ashley Maready Writer and EditorAshley 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.
Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.
The Chase credit card application process isn't difficult, but it goes more quickly when you know how it works. There are also some application rules you'll want to know about before you apply. Read on for everything you need to know to get a Chase card.
Applying for a Chase credit card is a quick process. Here's how to do it. 1. Click the apply option on the card page
If you already have a Chase account, the application process will be faster if you sign in first. Chase will fill out parts of the application with the information it already has for you.
2. Fill out the application formIf you're looking for a Chase cash back card, here are our expert picks.
As of Aug. 06, 2024
Our 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
Our 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
On Chase's Secure Website .
On Chase's Secure Website .
Credit Rating Requirement: Circle with letter I in it.
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.
Credit Rating Requirement: Circle with letter I in it.
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.
Welcome Offer: Circle with letter I in it.
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!
Welcome Offer: Circle with letter I in it.
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: Circle with letter I in it.
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 Travel℠, 3% on dining and drugstores, and 1% on all other purchases.
5% cash back offer
Rewards Program: Circle with letter I in it.
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: Circle with letter I in it.
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: Circle with letter I in it.
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:
Regular APR:
20.49% - 29.24% Variable
Annual Fee: Circle with letter I in it.
Annual Fee: Circle with letter I in it.
Highlights:
Highlights:
On Chase's Secure Website .
On Chase's Secure Website .
Before you think about applying for a Chase credit card, you need to know about Chase's 5/24 rule. Chase almost always denies applicants who have opened five or more credit cards within the last 24 months. This won't be an issue for most, but if you frequently open new credit cards, it could lead to a denial from Chase.
Check how many credit cards you've opened in that timespan. If you won't pass the 5/24 rule, it's better to wait and apply later. This is one of the strictest application rules of any credit card company. The only known way to sometimes get around it is if you've been pre-approved for a Chase credit card.
Your credit score is also important. Most of Chase's credit cards are aimed at those who have a good credit score or better, meaning a FICO® Score of at least 670. If your credit score isn't at least close to that, you may want to focus on improving it first. Or, try the Chase Freedom Rise℠, which is available to consumers who are building credit.
After you submit your application, Chase could instantly approve or deny it. Chase could also put your application under further review.
An instant approval is the best-case scenario, so we don't need to go over what to do there. Here's what to do for the two other responses to your Chase credit card application:
Chase has so many top credit cards that it's wise to compare your options. The Chase Sapphire cards are popular among travelers because they're part of the Ultimate Rewards point program. Chase Ultimate Rewards points are extremely versatile, and you can use them for travel bookings.
You can also choose from cards that earn cash back on purchases, cards with a 0% intro APR, and cards that don't charge an annual fee. If you're a business owner, there are several business credit card options available through Chase.
Think about what type of credit card you want or what feature is most important to you. Many consumers want rewards cards. If so, you'll need to decide between a travel credit card and a cash back card. To help you pick a card, here are recommendations on the best Chase credit cards, depending on what you're looking for.
The Chase Sapphire cards are some of the best travel credit cards, with generous rewards and lots of other travel perks.
As of Aug. 06, 2024
Our 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
Our 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
On Chase's Secure Website .
On Chase's Secure Website .
Credit Rating Requirement: Circle with letter I in it.
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.
