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.
Prequalify for Chase credit cards
There are two ways to request prequalification with Chase, online and in-person.
How to prequalify for a Chase credit card online
- 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.
How to prequalify for a Chase credit card at your local branch
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.
How to prequalify yourself
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.
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.
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.
Compare Chase credit cards
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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