Tuesday, September 27, 2022

What Is The Easiest Chase Credit Card To Get

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Chase Sapphire Preferred Offer

Which Chase Credit Card Is Easiest Approval (and which is hardest)? Chase cards easy to difficult…

Our best offer ever! Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®. Get 25% more value when you redeem for airfare, hotels, car rentals, and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.

Southwest Performance Business Card

For elevated earnings on Southwest Airlines and on common business expenses, the Southwest Performance Business card will cover those bases.

The card earns 3x on Southwest Airlines purchases and 2x points on social media/search engine ads, internet, cable, and phone services.

The card comes with 4 Upgraded Boardings for Southwest flights and Global Entry or TSA PreCheck fee reimbursement. Plus, youll receive 9,000 bonus points after the cards anniversary.

How Do You Value The Sapphire Preferred’s Higher Sign

Despite the higher annual fee, the welcome bonus on the Chase Sapphire Reserve® is actually lower than the bonus on the Chase Sapphire Preferred® Card.

It could be worth earning the higher bonus with the Chase Sapphire Preferred® Card, then converting it to the Chase Sapphire Reserve® after your first year especially if you plan to do more traveling after the pandemic.

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Best Luxury Credit Cards

No, the Visa Black Card doesn’t exist anymore. The offer changed card networks and rebranded from Visa to Mastercard back in 2016. Only the rebranded version of the card now the Mastercard® Black Card is available to new applicants. It’s offered through a partnership between Barclays and the so-called Luxury Card brand same as the Visa Black Card. The Mastercard® Black Card also offers many of the same features as the Visa Black Card. For example, the Mastercard® Black Card has the same annual fee as the old Visa: $495 . And it’s the mid-priced option in a 3-card lineup, which now includes the Mastercard® Gold Card and the Mastercard® Titanium Card.

The Visa Black Card was touted as a luxury status symbol-type credit card, and so is the newer Mastercard® Black Card – though neither is the invitation-only Centurion® Card from American Express, also known as the black card. You won’t need an invitation to apply for the Mastercard® Black Card. All you need is good credit, and you can apply through the Luxury Card website.

The new Mastercard® Black Card offers a few more perks than the Visa version did. They include a $100 annual airline credit, a $100 Global Entry credit once every 5 years, and a carbon/stainless steel card. It also added promotional APR period of 0% for 15 months on balance transfers. And the new card has more valuable points 50,000 points will get you a $1,000 plane ticket, for example.

How Many Chase Credit Cards Can I Have

Chase Freedom credit card: Get $200 cash back after you ...

While in theory there is no limit to the number of Chase cards you can hold, theres a couple restrictions to keep in mind:

  • The Chase 5/24 rule states that if youve opened five or more credit cards from any issuer within the last 24 months, youre unlikely to be approved for a new Chase card.
  • Chases 2/30 rule prevents you from applying for more than two personal Chase cards in a 30 day period. Typically during this time period, a third application would be automatically declined and you can only apply for one business card.

If its necessary, waiting the time to comply with the rules and help your odds is probably worth it. Many cardholders have had great success with the strategy of pairing multiple Chase cards.

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How To Apply For A Chase Business Credit Card

Before you apply for a business card, youll want to look into the following:

The Chase 5/24 Rule

This unwritten rule, confirmed by data points from actual credit card applicants, refers to Chases practice of not approving certain new Chase credit cards for applicants who have opened 5 or more total credit cards from any issuer in the past 24 months.

Before you apply for any Chase credit card, youll want to review our complete guide to the Chase 5/24 rule.

Gathering Your Business Information

Before you complete the Chase business credit card application, youll want to be prepared and gather the necessary information in advance:

  • The legal name of your business, if it has one
  • Your business entity
  • Tax ID number, or your Social Security number if you dont have an Employer Identification Number
  • The number of years youve been in business
  • Estimated business income and total personal income
  • Business address, even if its your personal address
  • Business phone number
  • Category of business plus the business type and sub-type
  • The number of employees
  • Possible additional personal information

Know Your Credit Score

Your personal credit plays a huge role in whether youll qualify for a business credit card, so you should know your credit score before applying for a Chase business credit card.

You can access your credit score for free from several sources. and provide options for obtaining your credit score without charge. You should also be monitoring your credit score regularly.

World Of Hyatt Credit Card

The World of Hyatt credit card is a great option for folks who prefer to earn Hyatt points or who stay at Hyatt hotels frequently. This card offers a sign-up bonus of up to 60,000 Hyatt points: 30,000 Bonus Points after spending $3,000 on purchases within the first 3 months from account opening Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spend on purchases that normally earn 1 Bonus Point, on up to $15,000 in the first six months of account opening.

This card carries a $95 annual fee and rewards you with 9x Hyatt points per dollar spent at Hyatt hotels and resorts. Youll typically need a slightly higher credit score to get approved for the World of Hyatt card, likely in the 700+ range. Read our World of Hyatt credit card review here.

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Southwest Rapid Rewards Plus Credit Card: Best For Southwest With A Low Annual Fee

Why we picked it: With an annual fee of just $69, this card still offers the solid sign-up bonus of 40,000 points after you spend $1,000 on purchases in the first three months from opening an account.

Pros: Cardholders will be rewarded for their loyalty with a 3,000 point bonus each account anniversary. To get rewarded on your spending, the card features 2X points on Southwest purchases, 2X points on purchases with the airlines hotel and car rental partners and 1X points on everything else. Keeping up with the other Southwest options, this card offers no blackout dates, change fees or booking fees.

Cons: Southwests flight network is more limited than other major airlines and there isnt much flexibility in rewards redemption.

Who should apply? If youre interested in an affordable airline card and like to travel with Southwest, this is a solid option. It may not have all thats offered by the other Southwest Rapid Rewards cards, but it provides similar value in several ways.

Read our Southwest Rapid Rewards Plus credit card review.

Minimum Credit Score For A Chase Card

Chase Trifecta Strategy: Which Chase Credit Card To Get First?

Chase credit cards come in a wide range, from beginner cards to premium travel rewards cards. In general, the lower tier cards require a fair credit score of at least 600, while the premium cards require an excellent credit score.

Credit cards such as Chase Sapphire Preferred and Chase Sapphire Reserve are at the premium end of the spectrum. These cards generally require higher credit scores of 720 and above.

Popular cash-back cards like Freedom Unlimited usually require a good credit score of around 680.

In general, if you have a score around 700 or higher, you have a pretty strong chance for being approved for the higher-tier rewards cards.

Read this article for a more detailed guideline of credit scores needed for Chase cards.

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Ink Business Preferred Credit Card

Our pick for: Travel rewards for small business

The Ink Business Preferred® Credit Card starts you off with one of the biggest sign-up bonuses of any credit card anywhere , then gives you bonus rewards in common business spending categories. Points are worth 25% more when redeemed for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. Read our review.

Ink Business Cash Credit Card

Our pick for: Bonus cash back for small business

If your business’s spending matches the bonus categories on the Ink Business Cash® Credit Card, you can rack up some serious cash back. There’s an excellent sign-up bonus for a no-annual-fee cash-back card, plus an introductory APR period for purchases. Read our review.

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How Hard Is It To Get A Chase Credit Card

Chase offers a whole range of credit cards varying from rewards, travel and business, but how hard is it to get a Chase credit card?

Weve listed a couple of factors that Chase might look at to determine whether youre going to be approved, as well as a strict application rules that might have nothing to do with your credit.

If youre planning on signing up for a Chase credit card, continue reading below to see if youre going to get approved for one!

TOP CHASE BANK PROMOTIONS

The Easiest Credit Cards To Get Approved For Any Credit Score

Chase Freedom Unlimited: Reviews of Cash Back Credit Cards ...

In general, co-brand airline credit cards are some of the easiest credit cards to get. For most cards, you need a in the mid 600s, but 670 or above is best. Even if your score is only above 600 but not quite 670, you still have good approval odds for cards that dont have an annual fee. However, your credit limit might be lower than you desire.

For now, focus on getting a credit card for travel rewards points you can use. Without further ado, here are some of the easiest credit cards to get approved for.

Also, dont forget to factor in Chases 5/24 rule when thinking about one of their products, and remember American Express has a once-in-a-lifetime rule per product on receiving bonuses.

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Best Chase Business Credit Cards From Our Partners

Pros & Cons

Product Details

This card offers straightforward, unlimited cash-back rewards and has no annual fee making it a great option if you dont want to worry about bonus categories or actively managing your credit card rewards.

Plus, the Ink Business Unlimited® Credit Card has an impressive sign-up bonus and a long intro APR period, which can be useful for small-business owners who want to finance large purchases over that period of time.

This card offers straightforward, unlimited cash-back rewards and has no annual fee making it a great option if you dont want to worry about bonus categories or actively managing your credit card rewards.

Plus, the Ink Business Unlimited® Credit Card has an impressive sign-up bonus and a long intro APR period, which can be useful for small-business owners who want to finance large purchases over that period of time.

Pros

  • You earn an unlimited 1.5% cash back on all purchases made for your small business.

    This Chase business credit card has no annual fee and offers a 0% intro APR on Purchases for 12 months, and then the ongoing APR of 13.24%-19.24% Variable APR.

    You can also access a sizable sign-up bonus: Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

Cons

Our pick for

Cash back in bonus categories

Pros & Cons

Product Details

Pros

Cons

Our pick for

Travel rewards and sign-up bonus

Pros & Cons

Product Details

Pros

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Our pick for

Pros

Minimum Credit Score Needed

Since Chase has many cards from beginner to premium rewards cards, lower tier cards tend to have a credit score of at least 600, while the premium cards requires a more excellent score.

Other cards like Chase Sapphire Preferred and Chase Sapphire Reserve are considered to be in the premium end since these cards require a higher credit sore of 720 and above.

While cash back cards like Freedom Unlimited usually need needs a good credit score of around 680.

So if you have a score around 700 or higher, youre approval chance for higher-tier rewards cards is really good.

The Chase Sapphire Preferred Card offers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards.You’ll earn: 5X points on travel purchased through Chase Ultimate Rewards 3X points on dining 3X points on select streaming services and online grocery purchases 2X points on all other travel purchases 1X point per $1 spent on all other purchasesEnjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit and when you redeem your points for travel through Chase Ultimate Rewards, you’ll get 25% more value!You get unlimited deliveries with a $0 delivery fee & reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash’s subscription service. Activate by 12/31/21.This card carries a $95 annual fee.

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Chase Freedom Unlimited Credit Score

The Chase Freedom Unlimited® is designed for people with good credit and better, with a FICO® Score of at least 670. The card will be hard to get with a much lower credit score.

That’s not to say applicants with lower scores can’t secure approval. In fact, some people have reported approval with a score in the low to mid-600s. Credit scores are heavily weighted in the approval decision, but the reality is that other factors also play a role.

Another consideration before you apply is the number of credit cards you’ve opened in the previous 24 months. If you’ve opened too many, Chase’s 5/24 rule could lead to an automatic rejection.

What Is The 5/24 Rule

How to Get Approved for Your First Chase Card

Many card issuers have criteria for who can qualify for new accounts, but Chase is perhaps the most strict. Chase’s 5/24 rule means that you can’t be approved for most Chase cards if you’ve opened five or more personal credit cards within the past 24 months.

For instance, if you’ve opened two Citi cards and three Amex cards within the past 24 months, then you will likely be denied for a new Chase card until your 5/24 score decreases. There really aren’t any workarounds to the 5/24 rule, beyond waiting for a new account to be over 24 months old.

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Capital One Ventureone Rewards Credit Card

If you dont have the credit score to apply for Capital Ones top rewards credit cards, make sure to check out the issuers lineup of no-annual-fee credit cards such as the VentureOne. These cards are easier to be approved for than their annual-fee counterparts, but they still come with solid rewards rates and no foreign transaction fees.

The VentureOne specifically is great for beginner travelers who are searching for their first travel credit card. New cardholders can earn 20,000 miles after you spend $500 in the first three months. When it comes to everyday spending, youll earn 1.25x on all purchases.

Related: Capital One Venture Rewards Credit Card vs. Capital One VentureOne Card: Which one is right for you?

Can You Get A Credit Card With A 550 Credit Score

The best credit card for a 550 credit score is the OpenSky® Secured Visa® Credit Card. Those arent the only credit cards you can get with a 550 credit score. In fact, there are two kinds of credit cards for people at that credit level: Secured credit cards and unsecured credit cards for bad credit.

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This Popular Bank Is Known For Big Rewards And Better Benefits

If youre looking for the best Chase credit cards, youre not alone. Chase is a very popular credit card issuer, especially among rewards seekers. Weve done the research and crunched the numbers. If youre interested in opening a Chase card, these are the ones worth your time.

What Card Should I Get First A Getting

www.chase.com

We used 146,000 Chase Ultimate Rewards points to buy two tickets to Prague!

One of the questions I most often get is, What cards should I get to get started in points and miles? For me, the answer is unequivocal you need to start out with Chase cards and accumulate Chase Ultimate Rewards points.

In this article, well explain why we recommend to start with Chase, well explore the various Chase credit cards, well make suggestions on how to start out, and well daydream about possible redemptions that can seem achievable from the moment you embark on your journey to use points and miles for great travel value.

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Redeeming Chase Ultimate Rewards Points

Read more: 4 reasons to apply for the Chase Sapphire Preferred Card now, beyond a record-high welcome bonus

With the Chase Sapphire Reserve®, you can redeem points the same way as with the Chase Sapphire Preferred® Card with one difference. When using them to purchase travel through Chase, you’ll get a 50% bonus, instead of 25% with the Chase Sapphire Preferred® Card.

Chase Sapphire Preferred® Card and Chase Sapphire Reserve® cardholders can use points toward eligible purchases through Pay Yourself Back and get the same bonus value as when they redeem through the Chase Travel Portal.

Along with the perks, though, the Chase Sapphire Reserve® comes with a higher annual fee. While the Chase Sapphire Preferred® Card costs only $95 a year, the Chase Sapphire Reserve® has an annual fee of $550.

Chase Sapphire Reserve® cardholders receive up to $300 in statement credits toward travel purchases each cardholder year effectively reducing the net annual cost to $250. However, because of the pandemic, the travel credit will also apply to grocery and gas purchases through December 31, 2021.

So what, if anything, makes the Chase Sapphire Reserve® worth the higher annual fee compared to the $95? Which one is right for you?

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