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Chase is one of the most popular credit card issuers. If you're early in your credit-building journey and want a Chase card in your wallet, you should apply for a Chase card with lower credit requirements.
All of the cards we've featured here are some of the easiest Chase credit cards to get, relative to other cards, based on their credit requirements and/or lower annual fees. We recommend the Chase Freedom Rise® as the best Chase credit card for beginners, thanks to its more lenient credit requirements. Other cards offer more rewards with higher potential values if you have better credit.
Regardless of the card you apply for, keep in mind that Chase considers various factors in addition to your credit score when deciding your creditworthiness. This means your credit score alone doesn't guarantee approval.
To identify the easiest Chase credit card to get, we evaluated a range of options based on several factors. These included recommended credit scores, annual fees, and additional benefits such as rewards rates and welcome offers.
Then, we compiled a list of the easiest Chase credit cards to get. It’s important to note that our list is not ranked in any specific order and is not meant to be a complete list of all available options. Instead, our recommendations are intended to serve as a starting point for individuals researching Chase credit cards that align with their specific preferences and needs.
How we evaluate products
Compare the easiest Chase credit cards to get
| Credit Card | Rewards Rate | Welcome Bonus | Intro APR | Regular APR | Annual Fee |
|---|---|---|---|---|---|
2025 award winner Best for Dining Out /images/2025/01/22/chase-freedom-unlimited-1.22.2025.png)
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Chase Freedom Unlimited® 4.7
|
1.5% - 5%
Cash Back
|
$200
Bonus
|
Balance Transfer:
0%, 15 months
Purchases:
0%, 15 months
|
18.99% - 28.49% Variable
|
$0
|
|
2025 award winner Best Overall Travel Credit Card /images/2024/12/16/chase-sapphire-preferred-12162024.png)
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Chase Sapphire Preferred® Card 4.9
|
1X - 5X
Points
|
75,000
Points
|
Balance Transfer:
N/A, N/A
Purchases:
N/A, N/A
|
19.99% - 28.24% Variable
|
$95
|
|
2025 award winner Best Business Credit Card for Solopreneurs /images/2024/12/17/chase-ink-business-cash-12172024.png)
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Ink Business Cash® Credit Card 4.8
|
1% - 5%
Cash back
|
Up to $750
Cash back
|
Balance Transfer:
N/A, N/A
Purchases:
0%, 12 months
|
17.49% - 25.49% Variable
|
$0
|
Chase Freedom Unlimited®
2025 award winner Best for Dining Out
/images/2025/01/22/chase-freedom-unlimited-1.22.2025.png)
- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- 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.
- 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 18.99% - 28.49%.
- 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.
- Member FDIC
The Chase Freedom Unlimited makes sense if you want to take advantage of multiple intro APR offers and a simple rewards rate combined with useful spending categories. This is one of the best Chase credit cards all-around because it combines easy everyday earnings with travel benefits, all with a $0 annual fee.
You can earn 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.
You can also take advantage of intro APR offers on purchases and balance transfers:
- Intro APR on purchases: 0% intro APR for 15 months on purchases (then 18.99% - 28.49% Variable).
- Intro APR on balance transfers: 0% intro APR for 15 months on balance transfers (then 18.99% - 28.49% Variable).
This isn't the best Chase card for you if you frequently travel abroad. That's because you have to pay 3% of each transaction in U.S. dollars on foreign purchases.
- $0 annual fee
- Intro APR offers on purchases and balance transfers
- Foreign transaction fees (3% of each transaction in U.S. dollars)
Apply now | Learn more in our Chase Freedom Unlimited review
Chase Sapphire Preferred® Card
2025 award winner Best Overall Travel Credit Card
/images/2024/12/16/chase-sapphire-preferred-12162024.png)
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- 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
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
- 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Member FDIC
The Chase Sapphire Preferred is an excellent rewards card packed with travel benefits. It's widely considered to be one of the best Chase credit cards available, and it provides valuable rewards. Earn 5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases.
You can also take advantage of multiple travel benefits:
- Hotel credit: Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Travel℠.
- Bonus redemption value: Earn up to 1.5x more value when you redeem points for travel through Chase Travel℠. Potential travel redemptions include flights, hotel stays, car rentals, experiences, and more.
- Transfer partners: Transfer your points to loads of airline and hotel travel partners, including Southwest Airlines, United, and World of Hyatt.
On top of that, Sapphire Preferred cardmembers don't have to pay foreign transaction fees on applicable purchases.
There aren't any intro APR offers, a perk typically missing on travel credit cards, and keep that annual fee in mind.
- Up to a $50 Statement credits each account anniversary for hotel stays through Chase Travel℠
- Up to 1.5x more value when redeeming points for travel through Chase Travel℠
- No foreign transaction fees
- $95 annual fee
- No intro APR offers
Apply now | Learn more in our Chase Sapphire Preferred review
Ink Business Cash® Credit Card
2025 award winner Best Business Credit Card for Solopreneurs
/images/2024/12/17/chase-ink-business-cash-12172024.png)
- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
The Ink Business Cash is one of our favorite business credit cards because of its valuable spending categories for small business owners.
It has a $0 annual fee and provides great earning potential with bonus categories:
- Rewards rate: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases.
The rewards rate is one of the highest available for categories that align with many common types of business purchases.
You can also take advantage of an intro APR offer on purchases. You can receive 0% intro APR for 12 months on purchases (then 17.49% - 25.49% Variable).
You have to pay 3% of each transaction in U.S. dollars on foreign purchases. If you don't want foreign transaction fees, consider pairing the Ink Business Cash with the Ink Business Preferred® Credit Card.
- $0 annual fee
- Common business spending categories
- Intro APR offer on purchases
- Foreign transaction fees (3% of each transaction in U.S. dollars)
Apply now | Learn more in our Chase Ink Business Cash review
What is the best Chase credit card for beginners?
For beginners, we recommend the Chase Freedom Rise® above other Chase cards. You may be able to qualify for it with fair or even bad credit, which is what you might start with if you haven't started building a history yet or used a credit card before. You're more likely to be approved for this card if you bank with Chase, too.
The Freedom Rise is designed to help you establish credit, and it stands out from other beginner credit cards for offering 1.5% cash back on all purchases. It also has a $0 annual fee, making it different from many secured credit cards (which often charge annual fees and require security deposits to open).
What Chase credit card should I get?
When choosing which Chase card to apply for, consider these factors to compare Chase credit cards and find the best option for you.
1. Find out eligibility requirements
Chase cards generally require a good or excellent credit score to be approved. That's at least a 670 on the FICO scoring model. We've covered that the Chase Freedom Rise has less strict requirements, so you may qualify with a fair or bad credit score (or no credit history at all). That makes it a good card to get started with if you're a credit card beginner or new to the Chase bank ecosystem.
2. Prioritize stress-free usage
If you want a card that's easy to use, consider Chase cards with no annual fee. Since there's no annual cost to worry about offsetting, you only have to concentrate on paying off your balance each month.
Remember that cards with annual fees tend to have more benefits. But for a card to be worth holding onto, you would need to get enough value from a card's benefits to offset the annual cost.
3. Consider earning potential
Most Chase rewards credit cards earn Chase Ultimate Rewards points. These are flexible rewards that can be redeemed for a variety of options, including travel and cash back.
But each Chase credit card earns rewards in slightly different ways. Depending on your spending habits, you might prefer a card with a simple rewards rate or a card with spending categories.
A simple rewards rate might look like at least 1.5% back on all eligible purchases. Spending categories could include 3% back on dining and gas purchases. Simple rates are easier to handle, but bonus categories could help you maximize your earning potential.
4. Weigh your redemption options
You can redeem Chase Ultimate Rewards points for travel through the Chase travel portal, cash back, gift cards, and purchases at Amazon.com. Certain Chase cards, including the Chase Sapphire Preferred, also provide an option to transfer points to travel partners.
For cards like the Chase Slate Edge, which has no rewards program, you don't have any redemption options.
5. Pay attention to perks and benefits
Chase credit cards typically come packed with benefits. That could include purchase protection, extended warranty coverage, and different types of travel insurance.
Chase travel cards tend to have additional travel-related benefits. Depending on the card, you might have airport lounge access, annual travel credit, or a bonus to Chase Ultimate Rewards travel redemptions.
FAQs
What credit score is needed for a Chase credit card?
These are the general credit recommendations for popular Chase credit cards:
- Chase Freedom Rise®: Fair, Bad
- Chase Freedom Unlimited®: Excellent, Good
- Chase Freedom Flex®: Excellent, Good
- Chase Sapphire Preferred® Card: Excellent, Good
- Chase Sapphire Reserve®: Excellent
- Chase Slate Edge℠: Excellent, Good
- Ink Business Cash® Credit Card: Excellent, Good
- Ink Business Unlimited® Credit Card: Excellent, Good
- Ink Business Preferred® Credit Card: Excellent, Good
- Ink Business Premier® Credit Card: Excellent, Good
A fair score is at least 580 on the FICO scoring model, while a good score is at least 670.
How long does it take to get a credit card from Chase?
Chase provides instant decisions for many applicants and a physical card can arrive in the mail within seven to 10 business days if you're approved. Keep in mind that in some cases, your application may require further review before you receive a decision.
Can I use a Chase credit card anywhere?
Chase credit cards can be used just about anywhere credit cards are accepted. That's because Chase uses the Visa and Mastercard credit card networks, which are accepted in over 200 countries and territories around the world. Keep in mind that some cards might charge foreign transaction fees for purchases made in other countries.
Bottom line
The Chase Freedom Rise is one of the easiest Chase credit cards to qualify for because of its less stringent credit requirements. But if you already have a good credit score, you could qualify for many different Chase credit cards, including the Chase Freedom Unlimited and Chase Sapphire Preferred.
The easiest Chase card to get depends on your credit profile and income, as well as your existing relationship with Chase, but we've included all of the recommended credit scores here.
For more of our top recommendations, compare some of the best credit cards to find the right credit card offer for you.
/images/2025/01/22/chase-freedom-unlimited-1.22.2025.png)
Current Offer
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Annual Fee
$0
Rewards Rate
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