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With Chase’s prequalification process, you can see your chances of credit card approval without affecting your credit score. This is done through a soft pull on your credit.
But if you apply for a card after you prequalify, Chase will do a hard pull on your credit and this will affect your credit score. Keep in mind, even if you prequalify for a certain card, there’s no guarantee you’ll be approved.
There are two ways to request prequalification with Chase, online and in-person.
You can simply travel to your local Chase branch and ask if you prequalify for a credit card. If you’re not already a Chase customer, you’ll need to provide the same information you would provide as if you were checking for prequalification online.
First step is to check your credit score. You can do so for free either at Experian, Equifax or TransUnion, or you can check with your bank.
Except for the Freedom Studen card, which is geared toward students with no credit history, Chase doesn’t offer cards for poor credit. This means you need at least a good credit score of 670 or higher to qualify for most Chase credit cards. Premium cards — such as the Chase Sapphire Reserve — require at least a 740 credit score.
Those who barely make the minimum should consider waiting a few months to prepare before applying for a Chase card. During this time, you should pay your balance on time on your other cards and loans. Also, try to lower your credit utilization ratio to 30% or under.
Head to Chase’s prequalification website to get a better picture of where you stand. There will be a soft pull on your credit history, so your credit won’t be affected. In a few seconds, you’ll see which cards you’re prequalified for.
You’re not obligated to apply for any of the cards, so don’t be afraid to shop around with other providers. You could prequalify for the right product with American Express, USAA or another bank.
It may be easier to prequalify for Chase’s cashback cards, which are available to more customers. Chase prequalification is especially useful for the bank’s travel products, which tend to have tougher approval requirements.
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