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Chase how to apply for a credit card

chase how to apply for a credit card

Where to apply: If you're ready to apply, visit our Chase cards page or pick up an application from your local Chase branch. Be careful if your. See your Rewards Program Agreement for more details. For a purchase to qualify for the 5% bonus Cash Back, the merchant must submit charges to your credit card. What do I need to provide when applying for a credit card? · Proof of income (pay stubs) · Social security number · Valid ID or Passport · Co-signer agreement (if.
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Applying For a Chase Credit Card - Tips To Know BEFORE You Apply With Chase!!

How to build credit with a credit card when you're just getting started

At first glance, it appears to be a classic chicken-and-the-egg situation: You need a regular credit card to build up a good credit score—by showing you can pay your bills on time. But you need a good credit score to get a regular credit card in the first place. How does it work?

The answer is that there are certain kinds of credit cards that you can apply for without having a credit score. Here are your options:

  • Apply for a secured credit card
  • Become an authorized user on a credit card whose owner has a good credit score
  • Get a store credit card with a small limit
  • Find someone who will be a co-signer with you on a regular credit card

Once you have one of these, you can start to prove your creditworthiness—in large part by always meeting your payments and not maxing out your card. Once you have a history of on-time payments and prudent credit use, you're on your way to being able to apply for a regular credit card.

Below is a guide on how each option works, so you can choose the one that best fits your situation. But first, it helps to understand the very basics of how to build a credit score and what they're used for.

What is a credit score?

Your credit is a 3-digit score ranging from 300-850, and serves as a gauge of just how creditworthy you are. Lenders use these scores to determine whether you can have a credit card, chase how to apply for a credit card on what terms. The higher your credit score is, the better. A credit score is made up of factors like payment history, available credit, total balances, the mix of credit type, length of credit history, and the frequency and amount of new credit you're applying for. But on-time payments and a low "utilization ratio" are by far and away the two most important things as they make up large portions of your score. A utilization ratio is basically the amount of outstanding debt on your card, versus the credit limit on the card. There's no set number, but the rule of thumb is to try and keep your outstanding chase how to apply for a credit card at less than 30% of your credit limit. You'll generally find that your payment history makes up 30% of your score while your credit utilization will make up another 30% of your score. Depending on the credit reporting agency, these two together could total up to 65% of your score, so it may be worth focusing on these two factors.

What is your credit score used for?

Lenders may look at credit scores to help them make loans and credit decisions and may also play a role in being approved or denied for apartment rentals, home loans, phone lines, student loans, credit cards and more. In addition to being used for approvals or denials for applications, your credit score may also determine interest rates and credit limits when it comes to regular credit cards and personal loans.

How to build credit with a credit card

You can build your credit with a credit card in the following ways:

Use a secured credit card

Secured credit cards may be an option for those with little to no credit. Secured cards are like pre-paid credit card, where the required security deposit is typically the same amount as the credit limit. Even so, they are used and paid off in the same way as a regular credit card, so they can be used to help establish a record of healthy spending habits.

Become an authorized user

Becoming an authorized user of a card held by a family member with a good credit score is one of the quickest and easiest ways of establishing a credit score. While it's not just family members who can authorize you to use their account, usually parents or other immediate family members are the ones to do this because they have to trust you to use their account wisely.

When you become an authorized user, the primary card holder will be sent an extra card with your name on it. Activity chase how to apply for a credit card that credit card will become reflected on the authorized user's credit report over time. This means that positive habits like making consistent on-time payments and keeping the credit card balance low will become reflected on the authorized user's credit report - chase how to apply for a credit card addition to the main account holder's.

On the other hand, any late or missed payments could will affect both the authorized user and main cardholder. If the primary cardholder sticks your card in a drawer instead, the on-time payments will begin to contribute to a good credit score over time.

Apply for a store credit card

Retailers and businesses will often approve applicants with little credit history for a store credit card. These cards usually carry a noticeably higher interest rate, yet your payments on these cards are reported by the three main credit score bureaus. They're one way of building up a good payment history–assuming you pay your bills on time!

Get a co-signer

An individual with established, strong credit, can serve as a cosigner on a credit card to increase your chances of being approved for chase how to apply for a credit card credit card when you have no credit. In this case, though, a co-signer is putting the fate of their credit score in your hands. Any missed payments on your part will damage their own credit score–as well as yours.


When & how to chase how to apply for a credit card for a student credit card

Student credit cards could help young adults establish credit and build good financial habits for the future. Credit cards for college students are offered at many banks and financial institutions. You may want to work with a parent or guardian to find out which student card is best for you and what types of perks and features benefit your current lifestyle.

Before applying and using a student credit card, it's important to understand how the application process works (you may need a co-signer) and how you plan on keeping up with payments to avoid debt. When used responsibly, a credit card can help college students establish and build their credit scores while benefiting from reward programs and cardmember perks.

What is a student credit card?

A student credit card is a type of credit card designed and marketed towards students and recent graduates by banks and financial institutions. Student credit cards typically have a lower credit limit and sometimes have higher credit approval rates for students with little to no credit history and limited incomes. Student credit cards may require a co-signer if you are under the age of 21.

How do you apply for a student credit card?

The process for applying for a student credit card may vary depending on your age and current financial standing.

How do I apply for a student credit card if I am under the age of 21?

  1. Research the best type of student credit card for your needs.
  2. Learn about the application requirements.
  3. Obtain relevant proof that you are enrolled in school. Some banks or credit card companies may confirm your enrollment in an eligible school through the National Clearing House.
  4. Gather co-signer information (co-signer is responsible for making missed or defaulted payments on the account) and proof of income.
  5. Submit your application with all the necessary documents.

How do I apply for a student credit card if I am over the age of 21?

  1. Research the best type of student credit card for your needs.
  2. Learn about the application requirements.
  3. Obtain relevant proof of your personal income or assets.
  4. Obtain relevant proof that you are enrolled in school. Some banks or credit card companies may confirm your enrollment in an eligible school through the National Clearing House.
  5. Submit your application with all the necessary documents.

To apply for a student credit card, you may need to show proof of a steady income from a part-time or full-time job or have a co-signer (a person over the age of 21 with a steady income who takes responsibility for your late or missed payments) join you in the application process. You may also have to provide proof that you are enrolled either part-time or full-time at a college or university. Some credit card companies have specific requirements on what constitutes a two or four-year college or university, so be sure to clarify these requirements before applying for a student credit card.

The best student credit card for college students:

Some student credit cards may waive annual fees and may offer reward programs that allow you to earn points and cash back on certain purchases. When researching a student credit card, the best student credit cards may have some of the following features and benefits:

  • 0% intro APR: A student credit card may have higher interest rates than regular credit cards but you may benefit from a lengthy 0% APR introductory offer. During this 0% APR introductory period, interest is not applied on purchases made until your regular interest periods begins. Be sure to read your cardmember agreement and monthly statements so you can keep track of when your zero or low-interest period ends as you'll start paying interest on your credit card balance once this promotion ends.
  • Low fees: Student credit cards will typically have low service fees. You may find that maintenance or annual fees will also be minimized or not charged altogether.
  • Reward programs: Students may enjoy reward program perks that allow them to earn cash back or reward points from purchases. For example, you may earn between 1-5% cash back by making purchases at select groceries, gas stations and retailers. These cash back points could score you gift cards or cash back for purchasing textbooks, laptops, and clothes for the upcoming semester.
  • Student benefits and resources: As a student cardholder, you may be able to participate in special perks for college students, such as exclusive cash back reward programs that reward high GPAs or positive payment habits.
  • Security features: Student credit cards may also be equipped with useful protections and features, such as fraud protection or overdraft protection when you set up automatic payments from your debit card or checking account.

What are the benefits of a student credit card?

A student credit card could help college students make convenient purchases and establish credit. Before using your credit card for purchases, it's important to understand how interest works and how long it may take you to pay down closest bank of america nearest me balances. You may also have the opportunity to participate in a rewards program through which you can earn cash back or reward points. Additionally, many student credit cards offer rewards geared toward students.


JP Morgan launches digital-only Chase current account in UK

The US bank Chase has launched its first current account in the UK, prompting one analyst to say it “will blow the competition out of the water”.

Offering 1% cashback on everyday spending for the chase how to apply for a credit card 12 months, free card use abroad, including at ATMs, and 5% interest on limited savings, the deal may be an attractive option for Britons who have seen their current account benefits slowly whittled away.

Chase, which is JP Morgan’s consumer brand, already provides banking to 60 million households in the US.

Its UK offer is a digital-only, app-based account, making it a rival to firms such as Monzo and Starling.

Prospective account holders are being invited to register on its waiting list. The bank says it is taking a “controlled approach” to manage demand, and those who sign up should be able to become a customer within days.

The account has no fees or minimum monthly deposit but there are restrictions on the 1% cashback offering.

Users will not get cashback on big-ticket purchases such as a car, or on money spent gambling.

When customers spend money, they can round up purchases to the nearest £1 using a setting that can be switched on and off with the app. This pot then earns interest at 5%.

Unusually, the account comes with a numberless debit card, with the details stored behind a secure login on the app. This means a new card number can be generated straight away if it is reported lost.

Laura Suter, the head of personal finance at AJ Bell, said it could be a winner. “First impressions are that this new account will blow the competition out of the water, with an attractive cashback deal and a market-beating interest rate on its savings feature,” she said.

“Assuming the cashback is uncapped, the rate means that if someone spends £500 a month on their debit card they’ll get £5 back.”

Suter said there would be drawbacks for the account for some customers because it does not have any bank branches, all the help and customer support is online or on the phone, and it must be run from an app.


Final Verdict

Chase offers numerous credit cards that offer cash back, rewards, and other attractive benefits. It partners with many well-known brands and its proprietary rewards program is one of the most popular. Of all of its credit cards, the Chase Freedom Unlimited is our choice for the best overall card. With its lucrative cash back offers and flexible redemption program, it's also our choice for the best cash back credit card.

Compare the Best Chase Credit Cards

Credit CardAnnual FeeIntro OfferRewards
Chase Freedom Unlimited
Best Overall, Best Cash Back
$0$200 after $500 within 3 months5% travel through Chase 3% at restaurants and drug stores Unlimited 1.5% all else
Ink Business Unlimited
Best Business
$0$750 after $7,500 within 3 monthsUnlimited 1.5%
Chase Sapphire Preferred
Best Bonus
$9560,000 points after $4,000 within 3 months5X points on travel purchased through Chase Ultimate Rewards(R), 3X points on dining and 2X points on all other travel purchases
Chase Freedom Student
Best Student
$0$50 after 1st purchase within 3 months1% on all pinnacle 401k login Sapphire Reserve
Best Travel
$55050,000 points after $4,000 in 3 months3x dining and travel 1x all else
United Explorer
Best Airline
$95 (first year waived)60,000 miles after $3,000 in 3 months; Additional 10,000 after $6,000 total in 6 months2x on United, dining, and hotels
Marriott Bonvoy Boundless
Best Hotel
$953 Free Nights (up to 50,000 points each) after you spend $3,000 in 3 months6x at Marriott victoria secret pink perfume scents all else

Editorial Picks for Best Chase Credit Cards

Chase Freedom Unlimited

Best Overall, Best Cash Back

The Chase Freedom Unlimited is the best overall Chase card and best for cash back with its unlimited 1.5% cash back and bonus categories for travel, dining, and drugstores. Rewards can be redeemed for cash back, travel, gift cards, and more.

Read the Chase freedom visa credit card phone number Chase Freedom Unlimited Review.

Ink Business Unlimited

Best Business

The best Chase credit card for business owners is the Ink Business Unlimited because it earns an unlimited 1.5% cash back on every purchase. It has a strong one-time bonus offer and comes with free employee cards to help earn additional rewards.

Read the Full Ink Business Unlimited Review.

Chase Sapphire Preferred

Best Bonus

The best bonus from Chase is available with the Chase Sapphire Preferred Card. New cardholders can earn 60,000 points, which is worth up to $750 when booking airfare, hotels, car rentals and cruises through Chase Ultimate Rewards.

Read the Full Chase Sapphire Preferred Review.

Chase Freedom Student

Best Student

Students will love the Chase Freedom Student card because of its unlimited 1% cash back and annual bonuses for being responsible with the card. It includes free access to your credit score and it's possible to earn a larger credit limit after making five payments on time.

Read the Full Chase Freedom Student Review.

Chase Sapphire Reserve

Best Travel

The best travel credit card from Chase is the Chase Sapphire Reserve because of its valuable rewards and travel perks. Cardholders receive airline lounge access, primary rental car protection, and much more. Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards(R) immediately after the first $300 is spent on travel purchases annually.

Read the Full Chase Sapphire Reserve Review.

United Explorer

Best Airline

The United Explorer Card is the best airline credit card from Chase because of its travel perks when flying United, reimbursement for Global Entry or TSA Precheck, and two complimentary airport lounge passes each year. It also offers a substantial one-time bonus and waives the annual fee for the first 12 months.

Read the Full United Explorer Review.

Marriott Bonvoy Boundless

Best Hotel

The Marriott Bonvoy Boundless card provides automatic Silver elite status and an upgrade to Gold based on your spending. It comes with an annual free night certificate and offers an attractive welcome bonus that can be used to book a rewarding getaway.

Read the Full Marriott Bonvoy Boundless Review.

Types of Chase Credit Cards

Chase issues Visa and Mastercard network-branded cards but not American Express or Discover network-branded cards. It offers the following types of credit cards:

  • Generic travel points
  • Cash back cards
  • Co-branded partner loyalty programs
  • Small business credit cards
  • 0% APR promotions
  • Student cards

Chase does not offer a secured credit card at this time.

Is a Chase Credit Card Right for Me?

Chase offers credit cards that attract a diverse set of customers using a variety of rewards programs, welcome bonuses, benefits, annual fees, and interest rates. The majority of its credit cards earn rewards, like the Chase Freedom Unlimited (cash back), United Explorer (airline miles), and Chase Sapphire Preferred (general travel points). Chase is an excellent match for customers who pay their balance in full each month to avoid interest while earning rewards on their purchases.

Chase Credit Card Benefits

Its cards include a variety of benefits that cater to its target customer, like airport lounge access for the Chase Sapphire Reserve. Benefits like purchase protection and extended warranty protect your purchases and are included with a majority of its cards. Chase also provides free credit scores to customers through its Credit Journey program.

Fees for Chase Credit Cards

Customers can choose from a variety of annual fees with Chase, ranging from $0 to $550 per year. While some people are hesitant to pay an annual fee, many others feel that the benefits received far outweigh the fees that they pay.

Many of its credit cards waive foreign transaction fees, which can be up to pay amazon store card online login of any international purchase. A handful of its cards still charge this fee, like the Chase Freedom Unlimited, so double-check before departing on an international vacation.

Interest Rates for Chase Credit Cards

Most of the Chase credit cards have interest rates starting in the 14% to 17% range. However, how to protest property taxes online in tarrant county on your creditworthiness, your rates may be higher. If you pay your statement balance in full each month by the due date, you will not be charged any interest for your purchases.

Some of its credit cards have 0% APR promotions on balance transfers, purchases, or both. These offers provide extra time to pay off your balance before being charged interest.

How Chase’s Ultimate Rewards Program Works service credit union branches near me Chase issues numerous cards that earn Ultimate Rewards, which can be redeemed for travel, gift cards, gift certificates, and Apple merchandise or transferred to Chase travel partner loyalty programs (like Hyatt, Marriott, and United Airlines), usually on a 1:1 basis. Chase’s premium travel card, Sapphire Reserve, offers a 50% premium on Ultimate Rewards points when they're redeemed for travel through the UR travel portal, while the Sapphire Preferred and Ink Preferred provide a 25% premium.

The following Chase cards offer Ultimate Rewards:

  • Chase Sapphire Reserve
  • Chase Sapphire Preferred
  • Chase Ink Preferred
  • Chase Freedom
  • Chase Freedom Unlimited
  • Chase Freedom Student
  • Ink Business Preferred
  • Ink Business Unlimited
  • Ink Business Cash

For more details on Ultimate Rewards, please see our Ultimate Guide to Chase Ultimate Rewards.

Aside from Chase’s Ultimate Rewards program, the bank offers other rewards cards that include cash back (both flat rate and ones with bonus cash back on quarterly rotating categories) and partner-based programs like airline, hotel, and retailer loyalty points.

What Credit Score Is Needed for a Chase Credit Card?

Chase generally requires excellent credit for most chase how to apply for a credit card its card products but does offer a few cards aimed at those with merely good credit. Excellent credit typically requires a FICO score of 740 or better, while a good credit score starts at 670. The Chase Freedom Student Card is targeted to young adults that are just starting out, but it also requires a credit score of 670 or greater. Chase does not offer cards for fair or bad credit and doesn't have a secured credit card.

You can apply for a Chase credit card online 24 hours a day through our referral links above. When applying for a personal Chase credit card, you'll need to provide the following information:

  • Full name
  • Address
  • Type of residence
  • Date of birth
  • Mother's maiden name
  • Email address
  • Phone number
  • Social Security number
  • Total gross annual income
  • Source of income

Many applicants will receive an instant decision with their new credit limit. If you're approved, you should receive your new card in 7 to 10 business days.

Pending applications can call Chase at 800-432-3117 to discuss the application and answer any questions they might have. Or you may choose to wait until a letter arrives in 7 to 10 business days that explains their decision or requests additional information.

Does Chase Have a 5/24 Rule?

Chase uses an in-house guideline to manage its card risk, called the 5/24 Rule. It will not approve applicants who have opened five or more accounts in the past 24 months. This rule applies to any new credit card accounts, not just those with Chase. Small business credit cards generally do not count toward this limit because most banks do not report them to your personal credit report.

What Is the History of Chase?

Chase credit cards are issued by Chase Bank, N.A., which itself is part of the retail banking arm of financial discover online banking bonus behemoth J.P. Morgan Chase, the largest banking organization in the U.S. and sixth-largest in the world. J.P. Morgan Chase has grown over time through the acquisition and merger of multiple large banking organizations in the past 20 years, such as Bank One, Chemical Bank, and Washington Mutual. The biggest of these was the merger of J.P. Morgan and Chase Manhattan Bank in 2000, which resulted in the company's new name and branding.

Chase issues many rewards cards to consumers, students, and small business owners, with rewards that include both cash back and points. Its bb king blues club montgomery al also provide options for cardholders wishing to transfer balances and manage spending. Chase has partnerships with numerous major airlines, hotels, and retail organizations and offers specialized rewards programs through co-branded credit cards. Partnerships include Amazon, Disney, Hyatt, Marriott, IHG, United Airlines, and Southwest Airlines.


To find the best Chase credit cards, we analyzed every publicly available credit card offered by the bank. We gathered data points on each card, including annual fees, interest rates, welcome bonuses, earnings power, benefits, and more. Each data point was assigned a score and ranked against other Chase cards to pick the best for each category. We continuously monitor data from card issuers to update our rankings and ensure that we're presenting the most accurate information to our readers.


Ben Woolsey is Investopedia's Associate Editorial Director of Financial Products and Services, including credit cards. He has more than 30 years of experience in the financial services industry, including marketing for banking and financial institutions such as Associates First Capital and Bank One. Prior to Investopedia, he managed credit card content for and


Chase Freedom® Student credit card

ADVERTISER DISCLOSURE is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. does not include the entire universe of available financial or credit offers.
CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.

EDITORIAL DISCLOSURE All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information. credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. If you apply for a credit card, the lender may use a different credit score when considering your application for credit.



  1. Chase cut two of my credit limits in half and canceled one card. 100% on time payment history and my utilization is at 20% where it usually is. The reason stated was because of high card utilization. Also used to get balance transfer checks at least a couple times a month and haven't gotten any in about a month or more. Pretty lame.

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