How to Get Chase Credit Cards

(June 2024)

How to Get Chase Credit Cards

In This Article

Introduction

If you’re in the market for a credit card, Chase offers a wide range of options to suit your financial needs. From cash back rewards to travel perks, low-interest rates and other exciting features, a Chase credit card provides you with a plethora of benefits. You’re on the right track to unlocking a world of financial benefits and rewards.

This article walks you through the step-by-step process of obtaining a Chase credit card.

To get a Chase credit card,

  1. Understand What Credit Card Is
  2. Know Types of Credit Cards That Chase Offers
  3. Evaluate Your Needs
  4. Know the Rules for Applying for Chase Credit Card
  5. Check Your Eligibility
  6. Gather the Necessary Documents
  7. Apply For Pre-Approval on Chase Website
  8. Submit Your Application
  9. Receive and Activate Your Chase Credit Card

Recap

1. Understand What Credit Card Is

To get a Chase credit card, understand what credit card is.

When you get a credit card, a bank or a financial institution gives you a certain amount of money that you can spend. This is called your “credit limit.” So, whenever you make a purchase using your credit card, you’re essentially borrowing money from the bank.

Now, here’s the fun part: you get a period called the “grace period” before you have to pay the bank back. It’s usually around 30 days, give or take. If you pay off the full amount you borrowed within that grace period, you won’t owe any interest – it’s like getting an interest-free loan!

But here’s the catch: if you don’t pay off the full amount within the grace period, the bank starts charging you interest on the remaining balance. That’s how they make money and cover the costs of giving you this borrowing privilege.

2. Know The Types of Credit Cards That Chase Offers

To acquire a Chase credit card, know the types of credit cards that Chase offers.

  • Travel Rewards Cards:

Chase has some awesome credit cards that are perfect for globetrotters and travel enthusiasts. These cards allow you to earn points or miles for every dollar you spend, which you can later redeem for flights, hotels, car rentals, and other travel-related expenses.

  • Cash Back Cards:

If you prefer getting cold hard cash back for your purchases, Chase has you covered! Their cashback credit cards let you earn a percentage of cash back on your spending, which can add up nicely over time. It’s like getting a little reward for all your everyday purchases.

  • Balance Transfer Cards:

If you have existing credit card debt and want to consolidate it or get a break from high-interest rates, Chase offers balance transfer cards. These cards often come with a promotional period of low or even 0% interest on transferred balances, giving you some breathing room to pay off your debt.

  • Business Cards:

For small business owners or entrepreneurs, Chase offers credit cards tailored specifically to business needs. These cards often provide perks and rewards on business-related expenses like office supplies, advertising, and travel.

  • Premium Rewards Cards:

Chase also has premium cards for those who want top-notch perks and benefits. These cards usually come with higher annual fees but can offer generous travel credits, travel insurance, concierge services, and other luxurious advantages.

  • Student Cards:

Chase cares about the younger crowd too! They have credit cards designed specifically for students, helping them build credit while offering some student-friendly rewards and benefits.

3. Evaluate Your Needs

To secure a Chase credit card, evaluate your needs.

Are you a travel enthusiast who loves exploring new places and getting rewarded with flights and hotel stays? Or do you prefer the simplicity of cash back – getting money back on your everyday purchases? Decide what makes your heart sing!

Are you a small business owner? If so, you might want to explore business credit card options that cater to your specific needs and provide rewards on business expenses.

If you’re building or rebuilding your credit, you might want to explore credit cards that are more lenient on credit requirements.

4. Know The Rules for Applying for Chase Credit Card

To procure a Chase credit card, know the rules for applying for chase credit card.

One of the most important rules to be aware of is the infamous “5/24 rule.” It means that Chase will typically not approve your application if you have opened five or more new credit cards from any bank within the past 24 months.

Also, the 2/30 rules say you can only have two applications every 30 days or else your application will be rejected

5. Check Your Eligibility

To obtain a Chase credit card, check your eligibility.

Chase usually looks for applicants with a good to excellent credit score. While there is no set minimum credit score requirement, a FICO score of 670 or higher is generally a good starting point for many Chase cards.

The age of your credit accounts can also play a role. Chase tends to favor applicants with an established credit history, so having some credit accounts open for a few years can be beneficial.

You generally need to be a U.S. resident and have a valid Social Security number to apply for a Chase credit card.

6. Gather the Necessary Documents

To apply for a Chase credit card, gather the necessary documents.

Here’s a checklist of what you typically need:

  • Identification:

First and foremost, you need a valid form of identification. A government-issued photo ID like your driver’s license, passport, or state ID will do the trick.

  • Social Security Number (SSN):

Since credit card applications often involve a credit check, you’ll need your Social Security Number handy. This unique nine-digit number is like your financial fingerprint, so keep it safe!

  • Proof of Income:

This could be recent pay stubs, tax returns, or any other documents that confirm your earnings.

  • Address Verification:

Credit card issuers want to know where you live, so be ready to provide proof of your address. Utility bills, bank statements, or government letters with your name and address can serve as verification.

  • Financial Information:

Prepare some details about your financial situation, like your total annual income, monthly housing expenses, and any other outstanding debts you have.

Don’t forget to double-check the specific requirements for the credit card you’re applying for. Different cards might have slightly different document needs.

7. Apply for Pre-Approval on Chase Website

To procure a Chase credit card, apply for pre-approval on chase website.

  • Explore Credit Cards:

Once you’re on the Chase website, you usually find a section or page specifically for credit card offers. Explore the different credit cards they have to offer. Look for the “Check for Pre-qualified Offers” or “See if You’re Pre-approved” button or link.

  • Provide Basic Information:

When you click on the pre-approval link, you’ll be asked to provide some basic information. This might include your name, address, date of birth, Social Security Number, and income details. Don’t worry; it’s all standard stuff.

  • Check Eligibility:

After you enter your information, the magical Chase system quickly review your details to see if you match any of their pre-qualified offers. The beauty of this process is that it won’t affect your credit score – it’s what we call a “soft inquiry.”

  • View Your Offers:

In a matter of moments, Chase will let you know if you’re pre-approved for any of their credit cards. If you are, they’ll show you the specific cards you’re eligible for, along with their features, rewards, and benefits. How exciting!

Remember, pre-approval doesn’t guarantee final approval, but it’s a strong indication that you have a good chance of getting the card.

8. Submit Your Application

To secure a Chase credit card, submit your application.

Take a moment to read through all the terms and conditions associated with the credit card you’re applying for. Make sure you understand the interest rates, fees, rewards program, and any other important features. Make sure all your details are accurate and up-to-date. Accuracy is the name of the game!

After submitting your application, you might feel a mix of excitement and anticipation. Now, the waiting game begins!

Keep an eye on your email inbox and physical mailbox for any communication from Chase. They might ask for additional information or, better yet, send you the good news of your approval!

9. Receive And Activate Your Chase Credit Card

To get a Chase credit card, receive and activate your chase credit card.

Before you can start using your card to make those exciting purchases, you need to activate it. Don’t worry; this process is usually quick and straightforward. You might be able to activate it online through the Chase website or mobile app, or you may need to call a toll-free number provided with your card.

Recap

Remember to keep using your card wisely, staying within your budget, and paying off your balances on time. With your newfound financial savvy, you’re on your way to building a strong credit history and making your credit card work for you!

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