Easiest Chase Credit Card To Get [2025]: Cards for All Credit Scores

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.

We recommend the Chase Freedom Rise^® as one of the easiest cards to get approved for with Chase, thanks to its more lenient credit requirements. But if you already have good credit, consider applying for rewards cards with higher potential values, like the Chase Freedom Unlimited^®(Rates and fees) and Chase Sapphire Preferred^® Card(Rates and fees).

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.

Compare the easiest Chase credit cards to get

Credit card	Recommended credit	Excellent for	Annual fee
Chase Freedom Unlimited® 4.7 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Excellent, Good	0% intro APR offer	$0
Chase Freedom Rise® 5.0 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Fair, Bad	Chase banking customers	$0
Chase Sapphire Preferred® Card 4.9 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Excellent, Good	Travel benefits	$95
Ink Business Cash® Credit Card 4.8 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Excellent, Good	Business spending	$0
Chase Slate Edge℠ 5.0 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Excellent, Good	Long 0% intro APR	$0

Chase Freedom Unlimited^®

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.

It has a $0 annual fee along with an excellent rewards rate. 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).

There are better cards available if you frequently travel abroad. That's because you have to pay 3% of each transaction in U.S. dollars on foreign purchases.

Apply now | Learn more in our Chase Freedom Unlimited review

Chase Freedom Rise^®

The Chase Freedom Rise makes sense if you want to use a Chase credit card to build your credit history. As a cardholder, you can earn 1.5% cash back on all purchases.

Even better, the Chase Freedom Rise has less strict credit requirements compared to most other Chase cards. And you can improve your chances of getting approved if you have a Chase checking or savings account with a balance of at least $250.

It's not the best card for international travel since you have to pay 3% foreign transaction fees on applicable purchases outside the U.S.

Learn more in our Chase Freedom Rise credit card review

Chase Sapphire Preferred^® Card

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.

Apply now | Learn more in our Chase Sapphire Preferred review

Ink Business Cash^® Credit Card

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.

Apply now | Learn more in our Chase Ink Business Cash review

Chase Slate Edge℠

The Chase Slate Edge makes sense if you want to take advantage of excellent intro APR offers on purchases and balance transfers.

It has a $0 annual fee and offers two intro APR offers:

• Intro APR on purchases: 0% intro APR for 18 months on purchases (then 18.99% to 28.99% Variable).
• Intro APR on balance transfers: 0% intro APR for 18 months on balance transfers (then 18.99% to 28.99% Variable).

The Slate Edge provides introductory APR periods that are longer than average, giving you the opportunity to avoid interest for more time.

You can't earn rewards with the Chase Slate Edge and you have to pay foreign transaction fees on applicable purchases that you make abroad.

Learn more in our Chase Slate Edge 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

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.

Unlimited Cash Back

Chase Freedom Unlimited^®

4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Chase Freedom Unlimited^®

Apply Now

Rates and fees

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

Benefits and Drawbacks

Benefits

• Base rewards rate of 1.5%
• $0 annual fee
• Ability to transfer cash back to other Ultimate Rewards cards
• Intro APR offers for purchases and balance transfers

Drawbacks

• Has a foreign transaction fee of 3% of each transaction in U.S. dollars
• No bonus categories for gas or groceries

Card Details

• 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