The Ultimate Guide to Credit Cards
Friday, November 22, 2019

2019 Credit Scores Needed for Chase Cards

2019 Credit Scores Needed for Chase Cards

credit card advice

Adam West
By: Adam West
Posted: May 9, 2019

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Among the larger credit card issuers, Chase remains a blockbuster, with more than two dozen branded or co-branded cards. In fact, if you own multiple credit cards, it’s not unlikely that one or more of them are from Chase. Their cards run the gamut from no frills to premium, and not surprisingly, approval requirements vary from one card to the next.

Our experts have researched the requirements for obtaining the various Chase cards. Chase doesn’t explicitly state the minimum credit scores needed, so the information must be gleaned from secondary sources. Most Chase cards require a score of at least 600, which is about the dividing line between fair and poor credit.

Chase Slate®: 551+ Credit Score Needed

The Chase Slate® credit card is a minimalist card, with no rewards and relatively few perks. In return, it offers easy approval, accepting credit scores in the 551 to 600 range for 8% of its cardholders, according to a survey of cardholders. That being said, the vast majority of respondents had a credit score above 600.

Chase Slate® credit card

  • 0% intro APR for 15 months on purchases and balance transfers
  • No balance transfer fee
  • Free Credit Score with Credit Journey
  • No annual fee

The minimum credit limit is $500, and the introductory APR and balance transfer offers are good.

Disney® Visa® Card: 570+ Credit Score Needed

The Disney® Visa® Card is almost essential if you’re planning a Disney vacation. We found that the minimum credit score for the upscale Disney® Premier Visa® Card (see below) appears to be 570. We’ll use that figure for this Disney Card, being it’s the easier of the two to be approved for.

Disney® Visa® Card

  • Get a $50 statement credit after your first purchase
  • Earn 1% in Disney Rewards Dollars on all purchases
  • Choose your favorite Disney card design
  • No annual fee

Ownership entitles you to various rewards and perks tied to Disney parks, resorts, cruises, movies, and merchandise.

Chase Freedom®: 600+ Credit Score Needed

The Chase Freedom® card offers cash back rewards and special introductory rates. While we found a reference to a cardmember’s acceptance with a score of 500, most cardmember comments indicate a more realistic minimum of around 645.

EXPERT'S RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74 - 25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
16.74% - 25.49% Variable
$0
Good/Excellent

We also found comments from cardholders who had no previous credit history. Splitting the difference, we peg the minimum credit score requirement at 600+.

Southwest Rapid Rewards® Plus: 600+ Credit Score Needed

At the bottom of the Chase Southwest trio sits the Southwest Rapid Rewards® Plus. Like all the Southwest cards issued by Chase, this one targets consumers with at least a fair credit score. However, we expect it to have a lower minimum requirement than the 607 found for the middle sibling, the Southwest Rapid Rewards® Premier. That would put this card’s required minimum score at about 600, and perhaps lower.

Southwest Rapid Rewards® Plus

  • Earn reward flights with no blackout dates
  • 2X points on Southwest purchases
  • Earn 3,000 anniversary points each year
  • $69 annual fee applied to the first billing statement

Cardholders receive special perks when flying on Southwest Airlines, such as free checked luggage for up to two bags, lost luggage reimbursement, and extended warranty protection.

Southwest Rapid Rewards® Premier: 607+ Credit Score Needed

Southwest and Chase offer three Visa cards, of which the Southwest Rapid Rewards® Premier is the middle offering. The average cardholder score is 670, with at least one member receiving approval with a 607 score.

Southwest Rapid Rewards® Premier Card

  • 2X points per $1 spent on Southwest Airlines flights
  • 1X point per $1 spent on all other purchases
  • Earn 6,000 anniversary points each year
  • $99 annual fee applied to the first billing statement

You’ll like earning double points with this card if you frequently fly on Southwest.

The United℠ Explorer Card: 633+ Credit Score Needed

Fans of United Airlines may be able to obtain The United℠  Explorer Card with a credit score as low as 633, however, the average cardholder credit score is 714.

The United ℠ Explorer Card

  • Earn 2 miles per $1 spent at restaurants and hotels
  • Earn 2 miles per $1 spent on United purchases
  • No blackout dates
  • $0 annual fee the first year, $95 each year thereafter

We rated this card as one of the best vacation credit cards for airline rewards. Its benefits include bonus miles and travel perks, with one-way flights starting at 12,500 miles within the continental U.S. and Canada.

Chase Freedom Unlimited®: 636+ Credit Score Needed

Chase Freedom Unlimited® credit card is a cash back card with no annual fee. We found references that pegged the minimum score to be around 680, but one source had a low score of 636.

EXPERT'S RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
  • No annual fee
  • No minimum to redeem for cash back
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
16.74% - 25.49% Variable
$0
Good/Excellent

Like all Chase cards, this one observes the 5/24 application rule, which limits approvals (with some exceptions) if you’ve opened 5 or more credit cards from any bank in the past 24 months.

Marriott Bonvoy Boundless™: 638+ Credit Score Needed

Marriott recently consolidated its rewards programs under the Marriott Bonvoy Boundless™ banner. You may qualify for this card with a credit score as low as 638, but the average score among cardholders is 721.

Marriott Bonvoy Boundless™ Credit Card

  • Earn 6X points per $1 spent at 6,700 Marriott Bonvoy hotels
  • 2X points per $1 spent on all other purchases
  • Free night every year after your account anniversary
  • $95 annual fee

The card charges an annual fee but offers lucrative rewards such as introductory bonus points.

Chase Sapphire Preferred® Card: 645+ Credit Score Needed

One of the top cards our experts recommend is the Chase Sapphire Preferred® Card. It is geared to consumers having good to excellent credit scores, with an average score of 736 among cardholders. However, scores in the fair range, as low as 646, have been reported.

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.74% - 24.74% Variable
$95
Good/Excellent

If your score is poor, you may want to first obtain another card to help build your credit before applying for this card.

Disney® Premier® Visa Card: 650+ Credit Score Needed

The Disney® Premier® Visa Card has more generous rewards than the other Disney card offered by Chase. While we have encountered a reference citing a minimum score requirement of 570, we believe 650 to 660 represents the true minimum.

Disney® Premier® Visa Card

  • $200 statement credit when you spend $500 in the first 3 months
  • Earn 2% in Disney Reward Dollars for purchases at gas stations, grocery stores, restaurants, and most Disney locations
  • $49 annual fee

If your score is in the 570 to 649 range, you may have a better chance of acceptance by applying for the Disney® Visa® Card instead.

Chase Sapphire Reserve® Card: 660+ Credit Score Needed

The Chase Sapphire Reserve® Card is a premium credit card with a $450 annual fee. As such, it’s not surprising to find that its minimum credit score is in the 660 to 670 range.

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.74% - 25.74% Variable
$450
Good/Excellent

You are more likely to be approved for this card if your credit score is good or excellent and you have a well-established credit history.

Ink Business Unlimited℠ Card: 660+ Credit Score Needed

The Chase Ink Business Unlimited℠ Card offers unlimited cash back and charges no annual fee. Approval for a consumer with a 660 credit score has been reported.

EXPERT'S RATING

★★★★★
4.7

OVERALL RATING

4.6/5.0
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
N/A 12 months
14.99% - 20.99% Variable
$0
Good/Excellent

Its rewards are less generous than those of the top Ink card, the Chase Ink Business Preferred℠ Card, which makes sense when compared to its reported 688 requirement (see below).

Ink Business Cash℠ Card: 670+ Credit Score Needed

If you prefer a card with bonus categories, check out the Chase Ink Business Cash℠ Card.

Ink Business Cash℠ Credit Card Review

at the issuer'ssecure website

EXPERT'S RATING

★★★★★
4.9

OVERALL RATING

4.6/5.0
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
N/A 12 months
14.99% - 20.99% Variable
$0
Good/Excellent

It has a $0 annual fee and offers benefits comparable to the Chase Ink Business Unlimited℠ Card. Accordingly, it should have a comparable minimum credit score, borne out by a reference to a 670 score.

Southwest Rapid Rewards® Priority: 670+ Credit Score Needed

The Southwest Rapid Rewards® Priority Card offers the most generous rewards among the trio of Southwest cards offered by Chase. While the minimum score for this card is unspecified, it’s reasonable to peg it at the average score, 670, for the Southwest Rapid Rewards® Premier.

Southwest Rapid Rewards® Priority Credit Card

  • Earn 2X points per $1 spent on Southwest flights
  • $75 Southwest Airlines annual travel credit
  • Earn 7,500 anniversary points each year
  • $149 annual fee

This card is best used by those who travel with Southwest several times a year to recoup the annual fee and can take advantage of the annual travel credit. Cardholders also earn 20% back on in-flight Southwest purchases with the Priority card.

United MileagePlus® Club Card: 670+ Credit Score Needed

If you are a committed United customer and want a premium credit card, then you may be willing to shell out the $450 annual fee for the United MileagePlus® Club Card. Indications point to a minimum credit score of 670 for approval.

United MileagePlus® Club Card

  • 1.5 miles earned per $1 spent on all purchases
  • Free access to all United Club locations and Star Alliance affiliated lounges worldwide
  • $450 annual fee

Given its high annual fee, it’s not surprising that the card bids for consumers with good to excellent credit scores.

IHG® Rewards Club Premier Card: 670+ Credit Score Needed

The Intercontinental Hotels Group partners with Chase to bring you the IHG® Rewards Club Premier Credit Card, where you earn rewards at more than a dozen different hotel chains. Approval appears to require a minimum credit score of 670.

IHG® Rewards Club Premier Credit Card

  • Earn 10 points per $1 spent at 5,400+ hotels worldwide
  • Earn 2 points per $1 spent at gas stations, grocery stores, restaurants
  • Earn 1 point per $1 spent on all other purchases
  • $89 annual fee

Cardholders will also receive one free night on their account anniversary each year and a fourth night free when points are redeemed for a stay of four or more nights, among other elite perks.

Ink Business Preferred℠ Card: 688+ Credit Score Needed

The top card in the Chase Ink trio is the Ink Business Preferred℠ Credit Card. We see instances where a score of 688 was approved while one of 680 was denied. In other words, this card targets business owners with good to excellent credit.

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.74% - 22.74% Variable
$95
Good/Excellent

Business owners can also receive employee cards at no additional cost and cellphone protection against theft or damage for employees listed on the account.

The World of Hyatt® Credit Card: 690+ Credit Score Needed

The World of Hyatt® Credit Card delivers generous rewards for staying at Hyatt properties in return for a $95 annual fee. We have found references to people being accepted with credit scores in the 690 range, which is among the highest for the cards in this group.

World Of Hyatt Credit Card

  • 9X points at Hyatt hotels, resorts, restaurants, and spas
  • 2X points on airfare, taxis, mass transit, tolls, ridesharing, restaurants, and fitness and gym memberships
  • 1X points on everything else

The card clearly targets consumers with good to excellent credit scores.

There’s a Chase Card for Everyone

Chase has all the bases covered with its lineup of credit cards. You can choose cards for hotel chains, Disney purchases, airline travel, and more. Business owners also have a slew of card options with various business benefits.

The range of minimum scores we encountered run from 551 to 690. However, these minimums are estimates only. Since Chase doesn’t release any information about score requirements, you may qualify for a card even if your score is below the estimated minimum if other determining factors, such as your income, meet the card’s approval requirements.