The Ultimate Guide to Credit Cards
Tuesday, March 19, 2024

2 Ways to Check Chase Credit Card Application Status (March 2024)

Check Your Chase Credit Card Application Status
Mike Randall

Written by: Mike Randall

Mike Randall
Mike Randall

Mike Randall is an expert in the areas of credit scores and credit cards, having written on those topics for national publications for more than a decade. He graduated from California State University with a degree in English literature, and he has an extensive background in personal finance studies. Aside from credit cards and scores, Mike enjoys writing about changes in the subprime market and how they directly impact financial decisions.

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Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro
Lillian Guevara-Castro

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct journalism instructor at the University of Florida. Today, Lillian edits all CardRates content for clarity, accuracy, and reader engagement.

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Advertiser Disclosure

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.

Discover it® Cash Back Review

at Discover Card'ssecure website

GOOD CREDIT RATING

★★★★★
4.9

OVERALL RATING

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – 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.
  • Redeem your rewards for cash at any time.
  • 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.
  • 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)
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

GOOD CREDIT RATING

★★★★★
4.9

OVERALL RATING

  • $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

GOOD CREDIT RATING

★★★★★
4.9

OVERALL RATING

  • 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.

FAIR CREDIT RATING

★★★★★
4.9

OVERALL RATING

  • 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
Discover it® Student Cash Back Review

at Discover Card'ssecure website

FAIR CREDIT RATING

★★★★★
4.8

OVERALL RATING

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – 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 cash back 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.
  • Redeem your rewards for cash at any time.
  • 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

FAIR CREDIT RATING

★★★★★
4.8

OVERALL RATING

  • 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.

Secured Chime Credit Builder Visa® Credit Card Review

at the issuer'ssecure website

BAD CREDIT RATING

★★★★★
4.8

OVERALL RATING

4.5/5.0
  • No credit check to apply
  • Adjustable credit limit based on what you transfer from your Chime Checking account to the secured account
  • No interest* or annual fees
  • Chime Checking Account and qualifying direct deposit of $200 or more required to apply. See official application, terms, and details link below.
  • The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
  • *Out-of-network ATM withdrawal fees may apply. See here for details.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
$0
None
FIT™ Platinum Mastercard® Review

at Continental Finance'ssecure website

BAD CREDIT RATING

★★★★★
4.7

OVERALL RATING

  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00 (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
29.99%
$99
Fair/Poor/Bad

BAD CREDIT RATING

★★★★★
4.7

OVERALL RATING

  • Earn 1% cash back rewards^^ on payments made to your Revvi Credit Card
  • Perfect credit not required
  • $300 credit limit (subject to available credit)
  • Checking account required
  • Opportunity to request credit limit increase after twelve months, fee applies
  • *See Rates, Fees, Costs & Limitations for complete offer details
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
See website for Details
N/A
35.99%
$75.00 1st year, $48.00 after
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.

Secured Chime Credit Builder Visa® Credit Card Review

at the issuer'ssecure website

NO/LIMITED CREDIT RATING

★★★★★
4.7

OVERALL RATING

4.5/5.0
  • No credit check to apply
  • Adjustable credit limit based on what you transfer from your Chime Checking account to the secured account
  • No interest* or annual fees
  • Chime Checking Account and qualifying direct deposit of $200 or more required to apply. See official application, terms, and details link below.
  • The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
  • *Out-of-network ATM withdrawal fees may apply. See here for details.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
$0
None

NO/LIMITED CREDIT RATING

★★★★★
4.7

OVERALL RATING

  • 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

NO/LIMITED CREDIT RATING

★★★★★
4.7

OVERALL RATING

  • 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

+ 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!

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.