How to prequalify for a Chase credit card | finder.com
pre-qualification (1)

How to prequalify for a Chase credit card

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Get a better sense of your approval odds.

Having your application denied is never a fun scenario. And while there’s no guarantee that you’ll be approved, you can choose to apply only when you have high odds of success. Enter: prequalification.

Our pick for a Chase card

Chase Freedom Unlimited®

  • 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 bonus after you spend $500 on purchases in your first 3 months from account opening
  • No minimum to redeem for cash back
  • Cash back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Read less
Read more
Promoted

Compare Chase credit cards

Chase’s cashback cards, which are available to more customers, may be easier to prequalify for. Prequalification is especially useful for the bank’s travel products, which tend to have tougher approval requirements.

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0
17.24% to 25.99% variable
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
17.24% to 25.99% variable
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$95
18.24% to 25.24% variable

N/A

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
$450
19.24% to 26.24% variable

N/A

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
$95
18.24% to 23.24% variable

N/A

80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®

Compare up to 4 providers

What does prequalification mean?


When you’re prequalified, a bank has performed 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, you have a very good chance of being approved — above 80% to 90% by some estimates.

Prequalification doesn’t mean you’re guaranteed approval, though. You can still be denied for a card if a bank deems your credit profile insufficient. However, getting prequalified 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.

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 have a better chance of being approved 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 to 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?

  1. Visit the Chase credit card prequalification page.
  2. Enter your name, address and last four digits of your Social Security number.
  3. Check the box to agree to Chase’s terms.
  4. Click Find my offers.

Best Chase credit card offers

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.

Frequently asked questions

Images: Shutterstock

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site