Of the hundreds of credit card options, Chase credit cards are often highly recommended — though not always the easiest to get. Before you apply, consider filling out a Chase credit card prequalify application to get an idea of your chances. Read on to see how to get pre-approved for Chase credit cards.
How can I pre-qualify for a Chase credit card?
If you’ve been searching “prequalify Chase credit card,” keep reading — this article will detail exactly how to do just that.
Pre-approval for Chase credit cards is most effectively done through Chase’s own website. (And yes, pre-approval and pre-qualification are typically the same thing when it comes to credit cards.)
The actual process is simple. The link above will take you to the Chase credit card prequalify application. You’ll provide your first and last name, address, and the last four digits of your Social Security number. Lastly, you’ll need to check the box at the bottom to confirm you know you’re not filling out an actual credit card application. It also acknowledges the Chase credit card prequalify application won’t impact your credit.
Why isn’t your credit affected by pre-approval? Because Chase won’t perform a hard credit inquiry at this stage. Instead, Chase will use a soft credit check to get a general idea of your creditworthiness.
After you submit your application, the Chase credit card prequalify process will produce a list of pre-approved Chase cards you’re likely (but not guaranteed) to qualify for. Again: Chase credit card pre-approval doesn’t mean you’re guaranteed to be approved for a Chase card. It’s a helpful indicator, but that’s all.
Essentially, you can prequalify for Chase credit card options as a way to get a feel for your chances. You’ll usually need a good to excellent credit score for a Chase card. The credit card company also has a well-known 5/24 rule. If you’ve opened more than five credit accounts in the past 24 months, your application will be denied. So, your credit history, your 5/24 status, your income, and even your existing Chase accounts could all impact your approval chances.
In some cases, you may get pre-approved for a Chase credit card without any action on your part. Some consumers may receive a pre-qualified 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 pre-qualify for Chase Sapphire?
You can pre-qualify for both Chase Sapphire cards through the Chase credit card prequalify link above. These are Chase’s premier travel rewards cards. As such, the Chase Sapphire cards are definitely ones to pre-qualify for before you apply. Pre-qualification is especially helpful if you’re considering the luxury Chase Sapphire Reserve®, as it’s primarily for cardholders with excellent credit. The Chase Sapphire Preferred® Card also requires excellent credit but may be slightly easier to get than its more-expensive sibling.
The Chase Sapphire pre-qualify process is the same as it is for any Chase card. This also means that being Chase Sapphire pre-approved only means you could be approved if you apply — not that you will be approved.
For example, Chase Sapphire Preferred pre-approval simply means you fit the basic qualifications for the card. If you’re over the 5/24 limit or don’t meet the income requirements, you could be denied a Chase Sapphire card.
And if you aren’t pre-approved for a Sapphire card on your Chase credit card prequalify application, you can still apply — but your chances of approval are low, so you may want to try for a different card instead.
Can I get pre-approved for Chase Freedom Flex℠?
As with other Chase cards, you can get Chase Freedom Flex pre-approval through the general Chase credit card prequalify link. The Chase Freedom Flex℠ — and its sibling, the Chase Freedom Unlimited® — aren’t as hard to get as the Chase Sapphire cards. But pre-approval is still a good first step.
Remember that a positive Chase Freedom pre-qualify result doesn’t guarantee approval.
If you aren’t pre-approved for a Chase Freedom card, you can still apply. But your approval chances may not be very good. Consider improving your credit score and checking for pre-qualification again in the future — you can fill out the Chase credit card prequalify application as often as you want.