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Chase Bank credit cards for february 2024

Apply for a Chase Bank credit card. On 28.02.2024 you have access to 34 credit cards. Increase your chances of getting money — fill out a multi-application with a free credit rating check.
Offers: 34
Updated:
31.07.2023
08:45
Best Mid-Tier Airline Card
Chase
United℠ Explorer Card
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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Rate
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Effective interest rate on the product

20.74 – 27.74 %
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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BEST PREMIUM TRAVEL CREDIT CARD
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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Rate
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Effective interest rate on the product

21.24 – 28.24 %
Submit your credit card application online
Submit your credit card application online

Take advantage of our credit card selection system with a free credit check!

BEST CREDIT CARD FOR E-SHOPPING
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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Rate
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Effective interest rate on the product

18.49 – 26.49 %
BEST CREDIT CARD FOR BONUS CASH BACK
Chase
Chase Freedom Flex℠ Credit Card
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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300
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1000
Rate
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Effective interest rate on the product

19.24 – 27.99 %
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
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Effective interest rate on the product

20.24 – 27.24 %
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

20.24 – 25.24 %
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
BEST HOTEL CREDIT CARD
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
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Effective interest rate on the product

20.24 – 27.24 %

Credit Card Online Application of February 2024

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Card limit
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CreditFresh
4.8
The application process was a breeze, and I received a response within minutes. This straightforward and prompt procedure proved to be a great help to me during a crucial time of need.
Review
JG Wentworth
4.6
The assistance I received was exceptional. My representative handled my case with care and provided all the necessary information...
Review
OneMain Financial
4.4
The loan application process was straightforward, and the representative I interacted with displayed patience, provided informative answers, and was quite pleasant throughout...
Review
My Funding Choices
4.6
The process was swift and straightforward, which was particularly helpful during a time when, despite my reluctance to seek assistance, I genuinely needed help.
Review
Plain Green Loans
2
The interest rate is shockingly high, and it feels like taking advantage of individuals facing financial challenges when unexpected expenses arise...
Review
Advance America
4.6
I have never encountered any issues with this company. They consistently deliver funds on time, and the repayment process is straightforward...
Review

Types of cards

  • Business credit cards. There are three different cards available in the prestigious Chase Ink Business line-up: Unlimited, Cash, and Preferred. The first two options have a zero-fee annual fee, while the latter one will cost you $95 a year. APRs range from 13.99% to 21.74%, depending on the option you pick. Both Ink Business Cash and Ink Business Unlimited come with a 0% intro APR for the entire duration of the initial twelve months. There are also cashback and bonus point programs that offer lucrative rewards.

  • Personal credit cards. The standard conditions are cash back offers, money bonuses, points and APRs. Chase Freedom line gives you a $200 bonus and 5% cash back on gas stations. The Sapphire line offers 60,000 bonus points. To find a suitable card, you can compare the ARPs, cash back, and bonus points. Chase has such an option to simultaneously compare three cards.

Pros and cons of Chase credit cards

Pros:

  1. Chase has a wide range of cards that suit different users' needs. There really is something for everyone.

  2. They have custom designs, and they allow you to customize designs.

  3. There are no annual fees.

  4. No interest was accused during the APR period.

  5. Great rewards, bonuses, and promotional offers. There's a nearly constant slew of deals and bonuses on offer.

  6. No minimum balance requirements. It's a surprisingly good deal.

Cons include:

  1. High credit score requirements. You have to have a credit score of 700-750 and above in order to qualify. This makes it difficult for people with poor credit history to apply.

Main requirements

Chase doesn't state outright what kinds of applications are approved, but there's enough data to make a few educated guesses. This is what you need in order to approve a card:

  • Excellent credit score or good credit score. Your credit score must be in the neighborhood of 700-800 in order to apply for a credit card and gain approval.

  • Adequate income. Chase will use their in-house analysts to determine whether your salary meets the requirements of the card.

  • US residency and SSN. Chase doesn't work outside of the US.

Additional requirements might include:

  • No more than five cards from any bank. This requirement is not as strict as it might seem at first - you are not allowed to have over five cards that were issued in the past two years.

  • No Chase cards opened in the past 30 days. You need to wait at least 30 days before applying for a new Chase card.

  • Having a Chase account. It's not 100% necessary, but it can be a deciding factor sometimes.

How to apply for a card

Before you apply for a card, you need to figure out if you meet the criteria or not. After that, you need to settle on a card that fits your needs and financial situation the most. Chase's comparison table allows users to decide which cards are best for their financial situation and the ones that are not worth applying. Once you finally pick the right one, you need to use either the "Sign in to apply faster," or the "Apply as a guest" button on the respective card to get started. After submitting your application, you will need to wait for Chase to review it and let you know if it's approved.

Applying for a business credit card is simple. You need to pick the option which works better for you - the official site has a comparison tool that provides assistance with the process. After you settle on a card, just click apply. There's a good chance that Chase will use your credit score to determine if it should approve your application. They will also take a look at your business' revenue.

How to pay off a debt

If you happen to withdraw money or spend more than you originally intended, you should know that there are many ways to pay off your debt with Chase. This company gives you many options on how to add money to your account. Transfers, direct deposit, mobile deposit, ATM deposit, and money requests. There are fees and different intricacies related to each of the methods specified above, but there is also a breakdown of each option on a respective page on the official Chase website.

No matter which option you will choose, you will get sufficient information regarding all the ins and outs of the process and the various fees associated with it. Also, find out if your debt triggered any fees or charges because you will have to pay for that as well.

Paying back the money you owe on your business credit card is not going to take a long time since Chase offers multiple means of payment options that neither impose high usage fees nor complicate the process in any way.

FAQ

What credit score do you need for a Chase credit card?

In order to open a card, you need to have a credit score of at least 670. The higher it is, the better. Your chances of being approved for a Chase card increase when you have a better credit score, and you'll be able to get better terms on certain products and/or services.

Is Chase hard to get a credit card with?

It's not easy to get a Chase credit card since it requires a high credit score for the account to be opened. The Chase website offers a wide range of cards, but the requirements are mostly the same: you have to have a credit score of at least 670 in order to qualify.

Which Chase credit card is the easiest to get?

The easiest credit solution to qualify for is the Chase Freedom Student card. The credit score requirements are nowhere near as strict as the ones you have to meet while applying for other types of cards.