Applying for a Chase bank card can be a fantastic step towards managing your finances, earning rewards, or simply having a reliable way to make purchases. Whether you're looking for a credit card to build your credit, earn travel points, or get cash back, or a debit card for everyday transactions, Chase offers a wide range of options.
But where do you even begin? Don't worry, we're here to guide you through every step of the process, making it as clear and straightforward as possible. Let's get started!
How to Get a Chase Bank Card: A Comprehensive Guide
Step 1: Discover Your Needs and Desires - What Kind of Card Are You Looking For?
Before you even think about filling out an application, the first and most crucial step is to understand what you need from a bank card. Are you aiming for:
A Credit Card?
For Rewards: Do you travel frequently and want to earn airline miles or hotel points? Or perhaps you prefer cash back on your everyday spending, like groceries and dining? Chase has some of the most popular rewards cards, such as the Chase Sapphire Preferred® for travel enthusiasts or the Chase Freedom Unlimited® for consistent cash back.
For Building Credit: If you're new to credit or looking to improve your score, a secured credit card or a card designed for building credit might be a better starting point, like the Chase Freedom Rise®.
For Balance Transfers or Low APR: Are you looking to consolidate debt or need a card with a low-interest introductory offer?
A Debit Card?
For Everyday Banking: A debit card is linked directly to your checking account, allowing you to spend money you already have. This is ideal for daily purchases, ATM withdrawals, and managing your budget. If you're opening a Chase checking account, a debit card will typically be issued automatically.
Take a moment right now to consider what your primary goal is. This will significantly narrow down your options and help you choose the best Chase card for your financial situation.
Step 2: Understand the Requirements - Are You Ready?
Once you have an idea of the type of card you want, it's essential to understand the general requirements for getting a Chase bank card.
For Credit Cards:
Chase credit cards generally require good to excellent credit for approval. While there's no single "magic number," Experian suggests a score of 670 or above is "good," and 800 or above is "excellent."
Credit Score:
Good Credit (670-739 FICO Score): You might qualify for cards like Chase Freedom Unlimited® or Chase Freedom Flex®.
Very Good to Excellent Credit (740-850 FICO Score): You'll have the best odds for premium cards like the Chase Sapphire Preferred® or Chase Sapphire Reserve®.
Income: You'll need to demonstrate sufficient income to show Chase you can repay your debts. This includes not just your personal income, but all household income if you're over 21 and have access to it.
U.S. Address and Social Security Number (SSN): A U.S. address and a valid SSN (or EIN for business cards) are generally required.
The "Chase 5/24 Rule": This is an unofficial but crucial rule to be aware of. If you've opened five or more credit cards from any issuer within the past 24 months, Chase is highly unlikely to approve you for a new card, regardless of your credit score. This rule applies to most Chase personal and business credit cards.
No More Than 2 Personal Chase Cards / 1 Business Chase Card in 30 Days: If you've opened two or more personal Chase cards, or one business Chase card, in the past 30 days, you are likely to be denied.
Payment History and Credit Utilization: A strong history of on-time payments and keeping your credit utilization low (ideally below 30% of your available credit) are vital.
For Debit Cards:
Getting a Chase debit card is generally tied to opening a Chase checking account. The requirements for opening a checking account are typically less stringent than for credit cards.
Identification: A government-issued photo ID (like a driver's license, state ID, or passport), and your Social Security card or Individual Taxpayer Identification Number (ITIN).
Proof of Address: Documents showing your name and current residential address (e.g., utility bill, bank statement, mortgage/lease document).
Opening Deposit: You may need a minimum initial deposit, which can vary by account type.
Step 3: Enhance Your Approval Odds (Especially for Credit Cards)
Want to give your application the best possible chance? Here are some proactive steps:
Check Your Credit Report: Obtain a free copy of your credit report from all three major bureaus (Equifax, Experian, and TransUnion) at AnnualCreditReport.com. Review it carefully for any errors or discrepancies. Dispute and rectify any inaccuracies.
Boost Your Credit Score:
Pay Bills On Time: This is the most impactful factor. Set up reminders or automatic payments.
Reduce Credit Card Balances: Keep your credit utilization ratio low.
Avoid Opening Too Many New Accounts: Each new application results in a "hard inquiry" which can temporarily ding your score.
Maintain Older Accounts: The length of your credit history matters.
Lower Your Debt-to-Income Ratio (DTI): Calculate your DTI (total monthly debt payments divided by your gross monthly income). Lenders generally prefer a DTI below 36%.
Consider Prequalification/Pre-approval (for Credit Cards): While not a guarantee, checking for pre-qualified offers can give you an idea of which cards you're likely to be approved for without affecting your credit score.
Chase's Website: Visit Chase's website and look for their "Check for Offers" or "Just for You" section if you're an existing customer.
Direct Mail Offers: You might receive pre-screened offers in the mail directly from Chase.
In-Branch: Visiting a Chase branch and speaking with a personal banker can also reveal pre-qualified offers.
Build a Relationship with Chase (Recommended): If you already have a checking or savings account with Chase, it can positively influence your credit card application. This shows Chase your financial responsibility and existing ties with them.
Step 4: Choose the Right Chase Card for You
Now that you've done your homework, it's time to select the specific card that aligns with your needs and financial profile.
For Credit Cards:
Chase offers a diverse portfolio of credit cards. Here are just a few popular examples:
Travel Rewards:
Chase Sapphire Preferred® Card: Excellent for beginners in travel rewards, with a solid sign-up bonus and versatile points.
Chase Sapphire Reserve®: A premium travel card with extensive benefits, lounge access, and higher earning rates (comes with a higher annual fee).
Cash Back:
Chase Freedom Unlimited®: Earns unlimited 1.5% cash back on all purchases, plus higher rates on specific categories like dining and drugstores.
Chase Freedom Flex®: Offers 5% cash back on rotating quarterly bonus categories, 5% on travel purchased through Chase Travel℠, and 3% on dining and drugstores.
Building Credit:
Chase Freedom Rise®: Designed for those with limited or no credit history, offering cash back while you build your credit responsibly.
For Debit Cards:
Chase checking accounts come with debit card access. Consider these common checking options:
Chase Total Checking®: A popular choice for everyday banking, with ways to waive the monthly service fee.
Chase Premier Plus Checking℠: Offers higher interest rates on linked savings accounts and other benefits, often for those with higher balances.
Chase College Checking℠ / Chase High School Checking℠: Accounts tailored for students, often with no monthly service fees for a certain period.
Carefully compare the features, benefits, fees (including annual fees for credit cards), and rewards programs of each card to ensure it's the perfect fit.
Step 5: The Application Process - Let's Get It Done!
You've prepared, you've chosen, now it's time to apply!
Sub-heading: Online Application (Most Common)
Visit the Official Chase Website: Go to chase.com and navigate to the "Credit Cards" or "Checking Accounts" section.
Select Your Chosen Card/Account: Click on the specific card or account you wish to apply for.
Click "Apply Now": This will typically take you to a secure online application form.
Fill Out the Application Accurately: Provide all requested information, which usually includes:
Personal Information: Full name, date of birth, Social Security Number, physical address.
Contact Information: Phone number, email address.
Employment Information: Employer, occupation, annual gross income.
Financial Information: Monthly housing payment, total monthly debt payments.
Security Questions: For verification purposes.
Review Before Submitting: Double-check all your entries for accuracy. Any errors could delay or even lead to a denial of your application.
Submit Your Application: Once confident, click the "Submit" button.
Sub-heading: In-Person Application
Locate a Chase Branch: Use the Chase website or app to find the nearest branch.
Gather Required Documents: Bring your government-issued photo ID, Social Security card/ITIN, and proof of address. If applying for a checking account, bring your initial deposit.
Speak with a Banker: A Chase representative will guide you through the application process and help you fill out the necessary forms. They can also answer any questions you might have.
Sub-heading: Phone Application
Some applicants may prefer to apply over the phone. You can call Chase's customer service number for credit card applications. Have all your personal and financial information readily available.
Step 6: What Happens After You Apply?
The waiting game begins! Here's what you can expect:
Instant Decision (Sometimes): For many online credit card applications, you might receive an immediate approval or denial within minutes if the system can quickly verify your information.
Pending Status: If your application requires further review (which is common), it will go into a "pending" status. Chase typically provides a decision or follow-up within 14 days.
Why pending? This could be due to the need for additional verification of your identity or income, or simply a more thorough review of your credit history.
What does "7-10 business days" mean? If you see this message, it means Chase needs more time to assess your creditworthiness. It doesn't necessarily mean a denial.
Follow-Up Requests: Chase might contact you via email, mail, or phone to request additional documentation (e.g., income verification, proof of address). Respond promptly to these requests to avoid further delays.
Application Status Check:
Online: If you're an existing Chase customer, you can often check your application status by logging into your account online and looking for an "Application Status" section.
Phone: You can call the dedicated Chase credit card application status line at 1-888-338-2586. Have your application reference number (if you have one) and personal details ready.
In-Person: Visit a Chase branch to inquire about your status.
Step 7: Congratulations! Receiving and Activating Your Card
Once approved, the final steps are exciting!
Card Delivery: Your new Chase card will be mailed to your provided address. This usually takes 7-10 business days from the date of approval.
Activation: Upon receiving your card, you'll need to activate it before you can use it.
Online: Log in to your Chase online account and follow the activation prompts.
Phone: Call the activation number provided on a sticker on your card or in the card's welcome packet.
ATM: For debit cards, you can often activate by making a transaction (e.g., balance inquiry) at a Chase ATM using your PIN.
Set Your PIN: You'll typically be prompted to set a PIN during activation or shortly after.
Review Cardholder Agreement: Take the time to read the terms and conditions, interest rates, fees, and rewards program details.
Step 8: Start Using Your Card Responsibly
For Credit Cards:
Use it Wisely: Make purchases you can afford to pay back.
Pay On Time, Every Time: This is paramount for building a strong credit history and avoiding late fees.
Keep Utilization Low: Aim to keep your credit card balances below 30% of your credit limit.
Monitor Your Statements: Regularly review your transactions for accuracy and suspicious activity.
For Debit Cards:
Track Your Spending: Since it's linked to your checking account, keep an eye on your balance to avoid overdrafts.
Use for Everyday Transactions: Convenient for purchases and ATM withdrawals.
Set Up Alerts: Enroll in text or email alerts for transactions to stay informed.
By following these steps, you'll be well on your way to successfully obtaining and using your Chase bank card!
Frequently Asked Questions (FAQs)
How to Check My Credit Score Before Applying for a Chase Card?
You can get a free copy of your credit report from all three major credit bureaus (Equifax, Experian, and TransUnion) at AnnualCreditReport.com once every 12 months. Many credit card companies and banks also offer free credit score access to their customers.
How to Improve My Credit Score to Qualify for a Chase Card?
Focus on paying all your bills on time, keeping your credit utilization below 30%, avoiding opening too many new accounts in a short period, and maintaining a diverse credit mix.
How to Apply for a Chase Card Online?
Visit chase.com, select the desired card, click "Apply Now," fill out the secure online application form accurately, and submit it.
How to Check My Chase Card Application Status?
You can check online by logging into your Chase account (if you have one) and navigating to the application status section, or by calling Chase's dedicated application status line at 1-888-338-2586.
How to Activate My New Chase Bank Card?
You can activate your card online through your Chase account, by calling the activation number provided on the card or in the welcome packet, or in some cases for debit cards, by making an ATM transaction with your PIN.
How to Waive Monthly Fees on Chase Checking Accounts?
Many Chase checking accounts offer ways to waive monthly service fees, such as maintaining a minimum daily balance, having a certain amount of direct deposits, or meeting specific transaction requirements. Check the specific account details for waiver criteria.
How to Understand the Chase 5/24 Rule?
The Chase 5/24 rule is an unofficial guideline stating that if you've opened five or more personal credit cards from any issuer in the past 24 months, Chase is unlikely to approve you for a new card.
How to Get Pre-qualified for a Chase Credit Card?
You can check for pre-qualified offers on Chase's website, through targeted mail offers from Chase, or by speaking with a personal banker at a Chase branch. This involves a soft credit pull and does not affect your credit score.
How to Choose Between a Chase Credit Card and a Debit Card?
A credit card allows you to borrow money up to a limit and is used for building credit, earning rewards, and making larger purchases. A debit card is linked to your checking account and uses your own money for everyday transactions and ATM withdrawals.
How to Contact Chase Customer Service for Card Inquiries?
You can typically find customer service numbers on the back of your existing Chase card, on their official website (chase.com), or by searching for "Chase customer service" online.