What is the easiest Chase credit card to get?

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What is the easiest Chase credit card to get?

Postby 96mustang5_0 » Sun Aug 25, 2013 12:52 am

Hey guys, awesome forum. I guess this would be the best place to ask what the easiest Chase card is to get approved for? My credit isnt bad but the thing is, I have a limited history because I am 21. I would like to go for the Sapphire but the commercials for it make it out to be a ritzy credit card like an American Express platinum? Are there any entry level Chase cards that have rewards that I would have a shot at? And please dont recommend a secured card because I feel I am above that level- I already got a card from Key Bank with a 700 credit limit on it but no rewards.

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Postby jeffysdad » Sun Aug 25, 2013 11:03 am

You should apply for the Freedom (rewards) card if you intend to pay it off monthly, the Slate (no rewards) card if you don't. I have the Freedom and Sapphire but only use the Freedom since its rewards are better for someone who doesn't really travel. I don't fit the Sapphire income profile but I had no trouble getting one, probably because I have a long credit history and a history with Chase. Status-oriented cards like Sapphire are overrated, imo. If you're a world traveler, Amex platinum makes sense, but I'm not.

If I were you, I would concentrate on building a history with the KeyBank card you have now as long as it's not charging you fees and they're not jerking you around. Applying for a bunch of new cards will harm your credit score and make it more difficult to get where you want to be than if you stick to the Key Bank card for a year and use it responsibly.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

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Postby Money card » Sun Aug 25, 2013 3:48 pm

I would say either the Chase Disney or the slate. these are far from executive looking, I have no idea though if the income requirements are lower than the other Chase cards. they might be be comparable to American express clear (discontinued).

the slate is the easiest.

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Postby Mogul of Pineapples » Sun Aug 25, 2013 6:06 pm

As Money card said the Slate is geared to a lower credit tier but you still need to have good credit to get approved for it. However it probably is the easiest Chase card to get approved for. The one thing I don't like about the Slate is that there are no rewards.

There have been a number of people with little to average credit history reporting on the forum that they have been approved for the Chase Freedom but with a low credit limit of $500 to $1,500 to start off with. Personally I would try for that because the Slate isn't something I would want long term if I were in your shoes.

However on the flip side, you still could get denied for the Freedom even though it sounds like your credit history is decent. If you have hesitation, then it will be best to start with Slate.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred

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