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About LinkBacksHey 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 I have a limited history, 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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Green Member
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- Jan 2011
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- Michigan
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What is the easiest Chase credit card to get?
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Centurion Member
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- Apr 2009
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- Texas
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- 542
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.CARDS (and why)
FIA Card Services: Fidelity Amex (best cash back excepting 5% cards), Fidelity Visa (spare)
Chase: Freedom (only for 5% reward categories, purchases under $10), Sapphire (not in use), Amazon Rewards (for Amazon purchases only)
CapitalOne: No Hassle Rewards (no foreign transaction fee, my only MasterCard, not in use)
Amex: Blue Cash Everyday (not in use)
Discover: More (only for 5% reward categories)
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Centurion Member
- Join Date
- Jun 2011
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- New York state
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- 874
I would say either the Chase Disney or the slate. these are far from executive looking, the income requirements are lower than the other Chase cards. they would be compareable to American express clear.
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Centurion Member
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- Jun 2008
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- Smogland
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As Money card said the Slate is geared to a lower credit tier and therefore probably 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.Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed. 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: Citi Thank You Premier
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