With all of the credit card choices offered by Chase, it’s no wonder they are one of the largest issuers of business and personal credit cards in the country. The family of popular Chase cards includes Chase Freedom, Chase Slate, and the prestigious Chase Sapphire card in both Preferred and Reserve versions. Of course, there are also many co-branded and specialty reward cards issued by Chase.
If you’ve applied for a Chase credit card online, approval is usually instantaneous. However, there are some cases in which applicants may not hear back right away. Keep reading to learn about a couple of quick ways to check your Chase credit card application status.
Online | Phone | Reconsideration Line + Alternatives
1. Login Online to the Account You Created When Applying
Although Chase, surprisingly, does not have a specific online credit card application status feature, there are still ways that you can check your status. If you applied online, then part of the application process involved setting up an account and password. Begin by logging into your account.
Once logged in, click on the Customer Center tab to the right of the screen. This will bring up an Account Services window, and, toward the right side, you will see a category for Open a New Account. In this category is a recently added selection called Check My Application(s) Status. No, they certainly don’t make it easy. However, clicking on this link should let you see the approval status of your credit card application.
Another way to check your status online is to send a secure email message asking about the standing of your application. To do this, go to the Contact Us page of the Chase website. Next, click on the Credit Cards link, and select the Send a Secure Email option. You will then be asked to enter your User ID and Password. Once logged in, you can send a message inquiry and expect a response to your inquiry within minutes.
2. Call the Automated Application Status Phone Number
Chase does have an automated system that allows you to check the status of your application over the phone. There are different numbers to call depending on whether you’ve applied for a personal or a business credit card from Chase. That said, you can also call the Chase main phone number, and the menu system will direct you to the right place.
Chase personal cards: 1-800-432-3117
Chase business cards: 1-888-269-8690
The menu sequence for the personal and business card numbers is 1, 3, 1, after which you’ll be asked to enter your Social Security number. Once authenticated, an automated message will tell you the status of your credit card application.
Try the Reconsideration Line for Denied Applications
If you find that your application for a Chase credit card has been denied, you have the option of asking for a reconsideration of your application — essentially an analysis and review of why they turned you down. A special phone line has been set up for this reconsideration process and is staffed by credit analysts who can review your application on the spot. The number to call to speak to a live credit analyst about your personal credit card is 1-888-270-2127.
In preparation for speaking with a credit analyst to get your application reviewed, consider some of the possible reasons why Chase may have denied it. Among these might be Chase’s “5/24” rule for personal credit cards. This well-known restriction that prohibits people with more than five credit cards opened in the past 24 months from being approved for most Chase cards. You can still try the reconsideration process, and maybe ask the analyst if there’s a different card you can get.
If you’ve been denied for a business credit card, the reason may be more specific, such as revenue earned, tax filing status or something similar. If this is the case, be sure to have all applicable documentation for your business available when you call. Also, be prepared to fax any requested documents to the analyst.
If your application for a Chase credit card is still denied, there are other alternatives, depending on your credit score and history.
Good Credit (700+) | Fair Credit (650-699) | Bad Credit ( | No/Limited Credit
Credit Card Alternatives for Good Credit (FICO Score 700+)
Having a FICO credit score of 700 or higher puts you in the category of folks with good credit. That means you have plenty of options in finding the card that fits your individual needs. From bonus cash back rewards to low APR rates to frequent flyer miles, it’s great to have choices. Here are some of the excellent alternatives we’ve found for people with good credit.
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Every $1 you earn in cash back is $1 you can redeem
- Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Terms and conditions apply.
|
Intro (Purchases)
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Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 15 months
|
0% Intro APR for 15 months
|
17.24% - 28.24% Variable APR
|
$0
|
Excellent/Good
|
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% for 15 months
|
0% for 15 months
|
19.99% - 29.99% (Variable)
|
$0
|
Excellent, Good
|
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% for 15 months
|
0% for 15 months
|
19.99% - 29.99% (Variable)
|
$0
|
Excellent, Good
|
+See more cards for “good credit”
Credit Card Alternatives for Fair Credit (FICO Score 650 – 699)
While not a terrible score, this puts some limitations on the type of credit cards you can qualify for. Generally, this could mean a slightly higher APR or a lower credit limit. However, there are still plenty of great card alternatives with great benefits, such as no annual fee and unlimited cash back rewards. Here are some great choices.
- No annual or hidden fees. See if you're approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
30.74% (Variable)
|
$0
|
Average, Fair, Limited
|
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
- No credit score required to apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% - 27.24% applies.
- Terms and conditions apply.
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
0% Intro APR for 6 months
|
10.99% Intro APR for 6 months
|
18.24% - 27.24% Variable APR
|
$0
|
Fair/New to Credit
|
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
30.74% (Variable)
|
$39
|
Average, Fair, Limited
|
+ See more cards for “fair credit”
Credit Card Alternatives for Bad Credit (
Even if your credit score happens to be below 650, putting you in the category indicating bad credit, there are still plenty of choices out there for you. In fact, among the features of credit cards available for those with bad credit, you’ll find many with no annual fees, competitive APRs, cash back rewards and more. Here are some that we highly recommend.
- Don’t let a low FICO score stop you from applying – we approve applications others may not.
- You don’t need good credit to apply.
- Just complete the short application and receive a response in 60 seconds.
- When you need assistance our award-winning US-based Customer Service agents are there to help.
- FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
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Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
See Provider Website
|
See Provider Website
|
Fair/Poor
|
- You don’t need good credit to apply.
- We help people with bad credit, every day.
- Just complete the short application and receive a response in 60 seconds.
- You can build or rebuild your credit: apply for a PREMIER Bankcard credit card, keep your balance low, and pay all your monthly bills on time.
- Don’t let a low FICO score stop you from applying – we approve applications others may not.
- FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
See Provider Website
|
See Provider Website
|
Fair/Poor
|
- $0 Annual Fee. Clear terms and transparent pricing.
- See if you qualify instantly without harming your credit score.
- Be automatically considered for a higher credit line in as few as 7 months.
- Free, online credit score access for cardholders.
- No interest on purchases when you pay in full and on time each month.
- No security deposit required – get started today!
- Enjoy coverage from Visa®.
- Access your account anytime, anywhere with our mobile app.
- If you are charged interest, the charge will be no less than $0.50.
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
29.99-33.99% Variable
|
$0
|
Fair
|
+ See more cards for “bad credit”
Credit Card Alternatives for No or Limited Credit
If you’re someone with a limited credit history and no FICO score, you can still qualify for a credit card to help you start building credit. Many of these cards have no annual fee, offer reward points, and have all the flexibility of other high-quality credit cards. Take a look at some of the credit card choices we recommend for those with limited or no credit.
- No annual or hidden fees. See if you're approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
30.74% (Variable)
|
$0
|
Average, Fair, Limited
|
- Earn unlimited 1.5% cash back on every purchase, every day
- Early Spend Bonus: Earn $50 when you spend $100 in the first three months
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
19.99% - 29.99% (Variable)
|
$0
|
Average, Fair, Limited
|
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
|
Intro (Purchases)
|
Intro (Transfers)
|
Regular APR
|
Annual Fee
|
Credit Needed
|
|---|---|---|---|---|
N/A
|
N/A
|
30.74% (Variable)
|
$39
|
Average, Fair, Limited
|
+ See more cards for “no/limited credit”
The Right Card for You is Out There
No matter what your credit score and credit history are, there’s a credit card to meet your individual needs. If that happens to be a Chase credit card, there are plenty of excellent choices available. And now you know just how to check your application status, whether online or over the phone. But if you’re turned down for a Chase card, don’t fret — there are plenty of great credit cards out there!
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