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Brittney started her writing career in the world of science, putting her physics degree to good use. Her journey into finance started with building her personal credit, but soon grew into a borderline obsession with credit cards and travel rewards. For the last 7 years, she has enjoyed the ability to share her expertise with readers, as well as the opportunity to interview companies and individuals making an impact on our financial lives. She wholly believe most problems can be solved with the right research -- and a good spreadsheet -- and she specializes in translating complex financial topics into actionable advice to help educate and empower readers.
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Chase credit cards are often highly recommended yet they're not always the easiest to get. That's why many folks like to check for Chase pre-approval or prequalification offers before applying.
Chase sometimes has a convenient prequalification tool on its website, but the tool is not always available. Fortunately, that's not your only option. Read on to learn how to prequalify for a Chase credit card.
How to prequalify for a Chase credit card
Use the Chase pre-approval tool
When Chase's pre-approval tool is available, it's a fast and easy way to check for these offers. Here's how to use it:
Provide your name, address, and the last four digits of your Social Security number.
Check the box at the bottom and submit the form.
Unfortunately, Chase sometimes takes this page down. If so, you'll see a message on the page saying that the pre-approval program is currently unavailable. In that case, you'll need to try another option.
Get an offer from Chase in the mail
Chase pre-approval offers are regularly sent out by mail. While there's not much you can do to trigger a mail offer -- outside of ensuring your mailing address is up to date -- they can be worth pursuing if you receive one.
Check for offers in your Chase account
If you have an existing relationship with Chase, such as a Chase credit card or bank account, you can check for pre-approval offers online or at a Chase branch location.
Here's how to check for your Chase pre-approval offers online:
Log in to your Chase account
Open the main menu.
Click "Just for You" in the "Explore Products" section.
See if you have any Chase credit card pre-approvals.
Visit a Chase branch in person
Perhaps the most reliable way to get Chase pre-approval offers is by going to a bank branch in person. Not only can tellers find pre-approval offers in your account, these offers may actually be better than what you'd get elsewhere. Some of the best welcome bonuses on Chase cards hit the branches before they're available online.
Can I get pre-approval for Chase credit cards, like Chase Freedom Flex®?
Yes, you can get a Chase Freedom Flex® pre-approval through any of the above methods. The Chase Freedom Flex® -- and its sibling, the Chase Freedom Unlimited® -- both offer great cash back rates and welcome bonuses. You can compare them and learn more about qualification requirements in the table below:
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Good/Excellent (670-850)
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Good/Excellent (670-850)
Welcome Offer:
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!
$200 bonus
Welcome Offer:
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300 cash back
Rewards Program:
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases.
5% cash back offer
Rewards Program:
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
1.5% - 5% cash back
Intro APR:
0% Intro APR on Purchases
Purchases: 0% Intro APR on Purchases, 15 months
Balance Transfers: 0% Intro APR on Balance Transfers, 15 months
Intro APR:
0% Intro APR on Purchases and Balance Transfers for 15 months
Purchases: 0% Intro APR on Purchases, 15 months
Balance Transfers: 0% Intro APR on Balance Transfers, 15 months
Regular APR:
20.49%-29.24% Variable
Regular APR:
20.49% - 29.24% Variable
Annual Fee:
N/A
$0
Annual Fee:
N/A
$0
Highlights:
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Member FDIC
Highlights:
INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Pre-approval or prequalification only means you're likely (but not guaranteed) to qualify. So, a positive Chase Freedom pre-approval result doesn't guarantee approval. It's a good first step, but you will still need to apply for the card and get approved by Chase.
If you aren't pre-approved for a Chase Freedom card, you can still apply. But consider improving your credit score and checking again in the future. When it's available, you can fill out the Chase credit card prequalification application as often as you want.
TIP
Check your Chase account
In some cases, you may get pre-approved for a Chase credit card without any action on your part. Some consumers may receive a prequalified offer in the mail. You can also get a pre-approved offer if you already have a Chase bank or credit account. Check the "Just for You" section in your online account to see pre-approval offers.
Can I prequalify for Chase Sapphire?
Yes, you can prequalify for both Chase Sapphire cards. These are Chase's premier travel rewards cards and are among the hardest Chase cards to get. Checking for prequalifications can be a smart move if you want one of these cards.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Good/Excellent (670-850)
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Good/Excellent (670-850)
Welcome Offer:
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
60,000 bonus points
Welcome Offer:
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
60,000 bonus points
Rewards Program:
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.
5x points on flights and 10x points on hotels and car rentals through Chase Travel℠.
Rewards Program:
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases
Intro APR:
Purchases: N/A
Balance Transfers: N/A
Intro APR:
N/A
Purchases: N/A
Balance Transfers: N/A
Regular APR:
22.49%-29.49% Variable
Regular APR:
21.49%-28.49% Variable
Annual Fee:
N/A
$550
Annual Fee:
N/A
$95
Highlights:
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
1:1 point transfer to leading airline and hotel loyalty programs
Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Member FDIC
Highlights:
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
The Chase Sapphire prequalification process is the same as it is for any Chase card. You can find pre-approval offers through any of the methods mentioned above.
The luxury Chase Sapphire Reserve® is primarily for cardholders with excellent credit and a strong credit history.
The Chase Sapphire Preferred® Card also requires excellent credit, but it is reportedly easier to get than its more-expensive sibling.
What factors are considered for a Chase credit card pre-approval?
There are a few factors that Chase weighs, including:
Your credit history: You'll usually need a good to excellent credit score for a Chase card. Specifically, most of its cards are aimed at consumers with a FICO® Score of 670 or higher.
Your existing credit accounts: Chase will almost always deny your application if you've opened five or more credit cards over the past 24 months. This restriction is popularly known as Chase's 5/24 rule. Pre-approvals (but not prequalifications) are one of the few ways you can sometimes get around this rule.
Your history with Chase: All banks will consider your history with them before making any credit offers. You may be more likely to get Chase pre-approval offers if you already have a Chase bank account or credit card that is in good standing.
Best Chase Credit Cards
Learn more about the select few Chase credit cards that landed a spot on our shortlist. Some of these cards pack in big bonuses, rich rewards, and long 0% intro APR offers.
There's no effect on your credit during the Chase pre-approval or prequalification process. However, filling out a full Chase credit card application will result in a hard credit check when Chase pulls your credit report. Hard credit checks cause a small drop in your credit score. For most consumers, one hard credit check takes fewer than five points off their FICO® Score (the most widely used type of credit score).
TIP
Prequalification isn't a guarantee
Getting a pre-approval or prequalification offer for a Chase credit card only means you could be approved if you apply -- not that you will be approved.
Pre-approval vs. prequalified
"Pre-approval" and "prequalified" can be confusing terms. While they're often used interchangeably, they actually have different meanings. Here's how they're used by Chase.
A Chase pre-approval for a credit card means you've passed the first stage of the approval process. This means Chase has looked at some basic information, decided you may be a good candidate for a card, and sent you an invitation to apply for it. If you received the offer through any of the following methods, it's most likely a Chase pre-approval:
Checking for offers in the "Just for You" section of your Chase account
Visiting a Chase branch and asking about pre-approval offers
Getting an offer from Chase by mail or email
A Chase prequalification occurs when you reach out to Chase. When you submit your information to Chase to check card offers, you'll receive prequalification offers. The confusing part is that Chase's prequalification tool uses the term "pre-approved," even though the offers you receive fit the definition of prequalification offers.
You can prequalify for Chase credit cards through Chase's online tool or by asking a teller at a Chase branch. The online Chase prequalification tool is the most convenient option, but it's not always available. You can also get pre-approved for a Chase card through a mail offer or by checking the "Just for You" section of your Chase account.
Yes, you can be pre-approved for a Chase Sapphire card by mail or through your online account. This includes the Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card. However, you can't fill out a Chase credit card prequalification application for only the Chase Sapphire cards.
To get pre-approved for a Chase Freedom, wait for a mailed offer or check the "Just for You" section of your Chase account. You can also use the Chase prequalification tool to look for offers with all Chase credit cards at the same time. However, it's not always available, as Chase occasionally removes the tool from its site.
There's no impact to your credit during the Chase pre-approval or prequalification process. Chase only performs a soft credit check for this process, which doesn't affect your credit score.
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We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
Discover Financial Services is an advertising partner of The Ascent, a Motley Fool company. JPMorgan Chase is an advertising partner of The Ascent, a Motley Fool company. Brittney Myers has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends JPMorgan Chase and Target. The Motley Fool recommends Discover Financial Services. The Motley Fool has a disclosure policy.
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