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Does Chase have a secured credit card?
You’ll need to get this card type from a different provider.
Are there Chase credit cards for poor credit?
Unfortunately, no. As of this writing, Chase doesn’t offer a single card that a consumer with poor or even fair credit could obtain. At the very least, you’ll need a good credit score to qualify for a Chase credit card. If you’re looking for a card suitable for a poor or fair credit score, you’ll need to look to other providers. Check out our credit cards for fair credit article to start comparing your options.
Chase cards for building credit
Chase has one credit card for building credit, and it’s an unsecured card — Chase Freedom® Student Credit Card. However, you have to be a college student to apply for it.
Alternatives to a Chase secured credit card
Secured cards are a great way of building credit if you have poor credit score or no credit history. While Chase doesn’t offer a secured credit card, you’ll find secured cards from different providers worth considering. For example:
- Bank of America® Customized Cash Rewards Secured. An excellent credit card with 3% cash back on one category you choose, 2% back at grocery stores and wholesale clubs on up to $2,500 each quarter in combined purchases. After reaching the cap and on all other purchases, you earn 1% cash back. On top of that, you get to earn a signup bonus and you don’t pay an annual fee.
- Discover it® Secured. Another great secured card that lets you earn 2% cash back at gas stations and restaurants on up to $1,000 each quarter. After reaching the cap and on all other purchases, your cashback rate stands at 1%. What’s more, Discover will double the entire cash back you earn during your first year of card membership.
- OpenSky® Secured Visa® Credit Card. This card doesn’t have a rewards program. Instead, it won’t do a hard pull on your credit when you apply.
Compare secured credit cards
Before you apply for a secured card, make sure you compare multiple cards and choose the one that has the best features for your situation. But the most important feature a secured card must have to build your credit is to report your activity to all three major credit bureaus — Experian, Equifax and TransUnion.
Features to look for in a secured credit card
When looking for a secured credit card, keep an eye on:
- Annual fee. Some secured credit cards come with an annual fee of up to $49. But you can also find excellent secured credit cards without an annual fee.
- Secured deposit. Deposit amounts required vary among card providers. Look for one that allows for an amount that fits your budget.
- Interest rates. Depending on the secured card, you could find fixed and variable rates. If you often carry a balance, look for a card with the lowest rates.
- Cash back. Although rare, some secured credit cards allow you to earn cash back on your purchases.
- Reports to credit bureaus. Make sure the provider reports your responsible spending and on-time payments to all three major bureaus — TransUnion, Experian and Equifax.
Chase doesn’t offer secured credit cards, but other providers do. Compare the range of secured credit cards available until you find the best card for your budget and goals.
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