How to Get a Chase Bank Credit Card and Start Earning Rewards

To get a Chase Bank credit card, you'll need to apply online or by phone. You can check your credit score for free on Chase's website or through their mobile app to see if you prequalify for a credit card.

Chase offers a wide range of credit cards, including cash back, travel, and rewards cards. The Chase Sapphire Preferred card, for example, offers 2X points on travel and dining purchases.

To apply, you'll need to provide some personal and financial information, including your social security number and income. You can also check your credit history through Chase's website to see if you have any negative marks.

The application process typically takes just a few minutes, and you can get a decision right away. If approved, you'll receive your new credit card in the mail within 7-10 business days.

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The Chase credit card options are diverse and can cater to different needs. The Chase Freedom Flex card, for example, comes with no annual fee and a solid earning structure on common spending categories and rotating quarterly categories.

You can earn a $200 bonus after spending $500 in the first three months from account opening, plus earn 5% back on grocery purchases (not including Target or Walmart) on up to $12,000 of spending during the first year. This offer has been available since September 2020 and is subject to change.

The Chase Freedom Unlimited card is a popular option for everyday spending, offering unlimited double cash back for the first twelve months from account opening. However, this offer is not always available, and the bonus offer typically matches the offer on the Freedom Flex card.

The Chase Sapphire Preferred card is a great option for those who want to earn travel rewards. You can earn 60,000 Ultimate Rewards points after spending $4,000 on purchases in the first three months of account opening, worth $1,230 according to TPG's October 2024 valuations.

Here are the key features of each card:

Note that these offers are subject to change and may not be available at all times.

The Chase Sapphire Preferred Card is a popular choice among travelers, and for good reason. It offers a 60,000-point sign-up bonus after spending $4,000 in the first three months, worth around $1,230.

The Sapphire Preferred has had varying offers throughout the years, but the 60,000-point bonus has been the standard offer since June 2022. However, there have been instances where the bonus was higher, such as in April 2022, when it was 80,000 points.

One thing to note is that the Sapphire Preferred tends to have a more stable offer compared to the Chase Sapphire Reserve, which has remained much more stable over the years.

Here's a breakdown of the Sapphire Preferred's offers since 2021:

The Chase Sapphire Reserve, on the other hand, has remained more stable, but still offers a 60,000-point sign-up bonus after spending $4,000 in the first three months, worth around $1,230.

The Reserve has had some higher offers in the past, such as an 80,000-point bonus in October 2022, but 60,000 points is the standard offer these days.

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The Ink Preferred card is a great option for small-business owners and freelancers who want to earn Ultimate Rewards. It has a $95 annual fee, which is relatively low compared to other business credit cards.

The sign-up bonus on this card has varied over the years, but one hundred thousand points has been the standard offer for a few years. This bonus can be worth up to $2,050, depending on the current valuation of Ultimate Rewards points.

One of the best things about the Ink Preferred card is its earning structure, which includes 3X points on travel and select business categories and 1X point on everything else. This makes it a great option for businesses that spend a lot on travel or in specific categories.

Here are the different sign-up bonus offers that Chase has made on the Ink Preferred card over the years:

To apply for a Chase credit card, first decide which card is best for you. Consider the benefits, perks, features, annual fees, and other charges that may come with the different types of credit cards available.

You can find the best card for you by researching and comparing the various options. In the case of the Chase Sapphire Preferred Card, the issuer has offered different sign-up bonuses and rewards over time. For example, in the summer of 2021, the issuer launched a 100,000-point sign-up bonus lasting four months.

To prequalify for a Chase credit card, contact the card company and see if you qualify. This is a soft inquiry, a type of credit check that doesn't affect your credit score. Although prequalifications don't guarantee approval, they may help you narrow down options for credit cards that align with your current circumstances.

Once you're ready to apply, review the credit issuer's website to learn about your options for applying, such as applying online. If approved, carefully read your cardmember agreement to understand information like how to verify and use your card, how to submit a payment, billing information, and details about your interest charges and fees.

To qualify for a starter credit card, you'll need to provide your Social Security number or an individual taxpayer identification number, source(s) of income, and monthly housing or rent. Your income doesn't have to just be from a job, either. It can come from different sources, such as investments and a spouse's income.

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Most credit card issuers require primary cardmembers to be at least 21 years old. If you're under 21, you can still apply for a card but you'll have to prove that you have your own source of income. You can also apply for a joint credit card or ask to become an authorized user on someone else's card.

Here are some ways to apply for a Chase credit card:

Remember to carefully review the terms and conditions of the card before applying.

Chase Bank credit cards offer a range of features that can help you manage your finances effectively.

Rewards programs are a key feature of Chase Bank credit cards, with some cards offering up to 5x points on certain purchases.

Some Chase Bank credit cards have no foreign transaction fees, making them a great option for international travel.

Cash back rewards can be redeemed for statement credits, direct deposits, or gift cards.

The Disney Visa is a great option for fans of the Disney brand. You can earn a $300 statement credit after spending $1,000 in the first three months from account opening.

To earn rewards, the card offers a tiered system. Here's a breakdown of the earning rates:

There are no limits to the number of Rewards Dollars you can earn.

Before applying for a credit card, you'll have the opportunity to review the APR and fees. Credit card issuers include a Schumer box in the application information, which notifies applicants of the card's APR rates and fees.

Credit card fees can be quite varied, but here are some examples: penalties, grace periods, annual fees, balance transfers, cash advances, overdue payments, over-limit, and returned payments.

The Schumer box is a crucial tool to help you understand the potential costs of using a credit card. It's usually found in the application information, so be sure to take a close look before making a decision.

Some common credit card fees include annual fees, which can range from $0 to over $500 per year, depending on the card and the issuer.

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The United Club Infinite Card is a premium credit card offered by United, providing increased checked baggage allowance and access to United Club lounges. Its benefits can be substantial, especially when considering the bonus miles offered.

To take advantage of the card's benefits, it's essential to understand the bonus miles offers. The card offers varying bonus miles depending on the time period. For example, in November 2024 to now, you can earn 90,000 bonus miles after spending $5,000 on purchases in the first three months from account opening.

The value of the bonus miles can also vary. In November 2024 to now, the 90,000 bonus miles are worth approximately $1,215. In August 2024 to November 2024, the 80,000 bonus miles are worth around $1,040.

When deciding whether to apply for the card, consider the bonus miles offer. If the offer is 80,000 or more miles, it might be a good time to apply. This is because the higher bonus miles offer can offset the card's annual fee, which is $525.

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Here's a summary of the bonus miles offers for the United Club Infinite Card:

By understanding the bonus miles offers and the card's benefits, you can make an informed decision about whether the United Club Infinite Card is right for you.

The Chase Sapphire Reserve is a premium travel card that has remained relatively stable over the years. It was launched in August 2016 with a valuable 100,000-point welcome offer. Since then, the best offer seen has been 80,000 points.

The annual fee on the Sapphire Reserve has increased from $450 to $550 in early 2020. This is a significant change to consider when deciding whether to apply for the card. The increased fee may offset the benefits of the card for some users.

The Sapphire Reserve offers a range of benefits, including a 60,000-point bonus after spending $4,000 in the first three months of account opening. This offer is available from June 2024 to now and is valued at $1,230.

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Here are some key offers and values for the Chase Sapphire Reserve:

In terms of bonuses, 80,000 points might be the best one can hope for on the Sapphire Reserve these days, while an offer of 50,000-60,000 points is more common.

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Having no credit history can affect your credit card options. You might not be approved for the best cards or terms.

Issuers consider your credit score, income, and employment when approving you for a credit card. Your credit history influences your credit score, so it's a factor in the types of cards you're eligible for.

A credit report and credit score are key factors in determining your creditworthiness.

If you don't have a credit history, you might get approved for a card with higher interest rates. This means you'll pay more over time for the credit you use.

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