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How to prequalify for a Chase credit card
Get a better sense of your approval odds.
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Having your application denied is never fun. That’s why it’s best to apply for products you’ll have a higher chance of approval for. Enter: Chase prequalification. Though Chase prequalification won’t guarantee approval for a Chase product, it will at least tell you which ones you have higher odds for success.
What is Chase prequalification?
When you get prequalified, Chase performs a soft pull on your credit history and thinks you’re a good candidate for one of its credit cards. If you apply for a card, your chances of approval rise above 80% to 90% by some estimates.
But this doesn’t mean you’re guaranteed approval. You can still be denied for a card if Chase deems your credit profile insufficient. However, getting prequalified by Chase is a good way to test the waters before risking a hard pull on your credit history.
What’s the difference between a soft and hard pull on your credit history?
Think of a soft pull as a background check. Banks might perform a soft pull to see if you’re the right fit for their products. Or you might get one when you check your credit score.
You’ll get a hard pull on your credit history when a bank makes a lending decision — for example, when you apply for a credit card, car loan or mortgage. Typically, a hard pull will slightly lower your credit score.
If you’re not sure whether a bank will perform a soft or hard credit pull, ask one of its representatives.
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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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What are the benefits of a Chase prequalification?
- High chance of approval. While approval is never guaranteed, a prequalification from Chase means your application has very good odds.
- See which cards you qualify for. When you use Chase’s prequalification tool, you can see which cards you’re more likely to get approval for. This can help you narrow down your options.
- You can still shop around. There’s no obligation to apply after your prequalification. You can try to get prequalified with other institutions without affecting your credit.
- No impact on your credit score. Chase will perform a soft pull on your credit history, so there’s no effect to your credit.
How do I get prequalified for a Chase credit card?
- Visit the Chase credit card prequalification page.
- Enter your name, address and last four digits of your Social Security number.
- Check the box to agree to Chase’s terms.
- Click Find my offers.
Prequalification and preapproval. What’s the difference?
- Prequalification is when you provide your credit information before you apply for a credit card to know your chances of approval.
- Preapproval is when a bank determines your eligibility to receive a credit card without your request.
Whether you get preapproved or prequalified by Chase, you are not required to apply.
Bottom line
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.
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