The easiest Chase credit card to get approved for is the Chase Freedom Rise®, as it's designed for building credit, requiring no prior history, though having $250+ in a Chase account improves your chances; other beginner-friendly options are the popular Freedom Unlimited and Flex, but they typically need good credit.
I think the easier ones to get would be Chase Freedom Flex® Credit Card 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.
The lowest credit score for a Chase card can vary, but generally, you'll need Good credit (670+) for most popular cards like Freedom Flex/Unlimited, while premium cards like Sapphire Reserve need Excellent credit (740-750+), but some newer/beginner cards like the Chase Freedom Rise have no minimum score, focusing on income/relationship. However, Chase also considers income, existing debt, and your 5/24 status (number of new cards), making approval possible with lower scores or denial with higher ones.
Tips to improve your chances of getting preapproved
Chase doesn't publish exact cutoffs, but most of its cards require good to excellent credit. A score of 670 or higher is often needed, and aiming for the 700s can improve your odds with premium cards.
Chase's 5/24 rule is an unofficial policy preventing approval for most of their credit cards if you've opened five or more new personal credit card accounts from any bank in the last 24 months, including cards you're an authorized user on. It counts new cards from other issuers (like Amex, Citi, Capital One) and sometimes Chase itself, but often excludes business cards not reported to personal credit reports. You must be under 5/24 to get approved, meaning you can only have opened four cards in the prior 24 months.
TD Bank credit limits are $300 to $5,000, at a minimum, depending on the card. The TD Bank credit card with the highest starting credit limit is the TD First Class Credit Card, which is also rumored to offer limits as high as $18,000 to people with a lot of income.
The 15/3 credit card payment method is a strategy to potentially boost your credit score by making two payments per billing cycle: one about 15 days before your statement closes (to lower reported utilization) and another around 3 days before the payment due date (to cover the rest and avoid late fees), though its actual impact on credit scoring is debated. It works by keeping your reported balance lower when the card issuer reports to bureaus, but experts note the specific timing isn't magical, and focusing on the reporting date is key.
Tom Lipkis, WalletHub Credit Card Consultant
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.
Yes, Chase offers pre-approval (also called pre-qualification) for both credit cards and mortgages, allowing you to see potential offers without a hard credit pull, though it's not a guarantee of final approval, and you'll need to complete the full application for a definitive decision. You can check online via Chase's website using basic info, or receive targeted offers via mail, email, or your online account if you're an existing customer.
There is no credit card that will approve you no matter what, as all credit cards have at least some basic approval requirements. Credit cards with no credit check, such as the opensky® Secured Visa® Credit Card, offer nearly guaranteed approval, though, giving even people with bad credit high approval odds.
With Chase Freedom Rise, you can establish credit and earn 1.5% cash back on all purchases. Cash Back rewards do not expire as long as your account is open. * And there is no minimum to redeem for cash back.
Your Chase credit card application may have been denied for various reasons, such as a low credit score, not enough disposable income, or too much debt. You should receive a letter from Chase explaining the exact reason for the denial.
The opensky® Plus Secured Visa® Credit Card is one of the best credit cards with a $2,000 credit limit for bad credit. You can get a $2,000 credit limit by placing a $2,000 security deposit, and you won't have to pay an annual fee or undergo a credit check when you apply.
The 2-2-2 credit rule is a guideline for building strong credit, suggesting you should have two active credit accounts (like cards or loans) for at least two years, with consistent on-time payments for those two years, often with a minimum credit limit of $2,000 per account, to demonstrate financial responsibility to lenders, especially for mortgages. It's a benchmark to show you can handle credit well over time, reducing lender risk and improving approval odds for major loans.
For a $1,000 credit card with bad credit, secured options like the U.S. Bank Cash+ Visa Secured (deposit $1,000 for a $1,000 limit, no annual fee) or unsecured cards like the Indigo Mastercard (guaranteed $1,000 limit but potential fees/high APR) are possibilities, but be aware secured cards require a deposit, while unsecured ones for bad credit often come with high interest rates (APR) and fees, such as the Surge Platinum Mastercard, which also has a $1,000 limit but significant costs. Secured cards are best for building credit, as you get your deposit back, while some unsecured cards offer easier approval but higher risks.
Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new card. Earn an additional 5,000 Aeroplan points when you spend $1,000 within 90 days of Account opening.
The four-year rule for Chase Sapphire Reserve® used to prevent you from getting another initial bonus from any Chase Sapphire card if you've received one within the past 48 months. Chase Sapphire Reserve's initial bonus is 125,000 points for spending $6,000 in the first 3 months. However, this rule no longer applies.
It can be a good rule of thumb to wait between applications when applying for new credit cards. Many borrowers typically wait between applications to avoid opening more than one or two new accounts every six months, more than two or three accounts per year, and more than four or five accounts every 24 months.