Chase pre selected offers

Chase pre selected offers DEFAULT

This is how credit card companies select you for special offers

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The Chase Freedom® is not currently available to new cardholders. Please visit our list of the best cash-back cards for alternative options.

You've probably received special preapproved credit card offers in the mail from your card issuer or other companies. Sometimes you might toss them in junk mail pile to be quickly recycled. Other times they land in your mailbox at just the right time, whether you're looking for a balance transfer offer or hoping to earn extra rewards by taking advantage of a welcome bonus.

You might assume that having a high credit score is the only factor in determining whether you get picked for a preapproved offer, but as it turns out, there are a few other considerations that could impact whether you're selected.

We spoke to Shanté Nicole Harris of Financial Common Cents, a financial educator and certified credit consultant. Harris explains what makes someone a good candidate for these offers and when you might be able to expect a preapproval in the mail.

How card issuers select you for preapproved offers

Credit card companies purchase lists of consumer names and credit history information from the credit bureaus. If you have a credit report that shows some history of having credit cards, mortgages or other loans, then your name is likely included on a few of these lists. 

It's impossible to predict exactly when your information will show up on a list, but just because a card issuer gets your information does not mean you will necessarily be selected for an offer. Card issuers look at your credit score along with other factors like your debt-to-income ratio, your total annual income, how many credit inquiries you've had in the past year and your payment history.

Some offers are only available if you've never had a card with that issuer before, while others give preference to current customers who might want to upgrade to a rewards cards.

For example, if you have the Chase Freedom® card and consistently make your payments on time, you might be preselected to apply for the Chase Sapphire Preferred® Card, which has a $95 annual fee. The card has a welcome bonus of 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening (worth up to $750 toward travel when you redeem through Chase Ultimate Rewards® or for eligible purchases with the Pay Yourself Back tool).

Meanwhile, if you already have a Chase Sapphire Preferred card and want to upgrade to the Chase Sapphire Reserve®, you might not be able to earn a welcome bonus. Chase states the following limitation on earning additional welcome points: This product is available to you if you do not have any Sapphire card and have not received a new cardmember bonus for any Sapphire card in the past 48 months.

Using a preapproved credit card offer to your advantage

Preapproved offers can give you opportunities to earn welcome bonuses and limited-time bonus rewards or take advantage of promotional 0% financing for purchases and balance transfers.

For example, in 2015, Ashley Patrick and her husband used a 0% APR convenience check that came in the mail from their existing Bank of America credit card to pay off an unexpected $6,000 tax bill. The couple had to pay a 3% balance transfer fee but ended up saving lots of money in the long-run since they paid off the debt without incurring any additional interest. Depending on your credit score, you may be able to qualify for a no-fee balance transfer card.

Alternatively, many consumers are turning to a 0% APR card during coronavirus to earn rewards on groceries and also get a little bit of breathing room to pay off purchases over time.

If this is you, the Blue Cash Preferred® Card from American Express could give you 0% APR for the first 12 months on purchases (then 13.99% to 23.99% variable APR). You'll need excellent credit to qualify for the Blue Cash Preferred card, but you can earn a $300 statement credit after you spend $3,000 in purchases on your new card within the first six months. There is an introductory annual fee of $0 for the first year, then $95. (See rates and fees).

When to be cautious with preselected offers 

While preapproved offers can be helpful, it's important to be mindful of when they pose a risk to your financial situation.

For starters, you're more likely to see a 0% APR or welcome bonus offer show up at times when people are more likely to overspend. According to Harris, there's an uptick in preapproved credit card offers right before the holidays, summer vacation time and tax season. No matter your credit score, this is something you should always watch out for.

It's also important to remember that card issuers send out incentives with profits in mind. If you're working to rebuild your credit, you should be extra-cautious of any deal you agree to. 

"You might get a 0% offer if you have bad credit because issuers see you as 'easy money,'" Harris tells Select. "A card issuer may see that you have a large amount of debt on your credit report and offer you a new card in the hopes that you max it out and wind up paying them interest fees," she says.

For instance, if you have a couple of balances in collections and your credit report states that you have just one small credit card, sub-prime card issuers like might mail you a card offer that looks good at a first glance, but comes with hidden fees.

While it's possible that a new credit card can help you build credit, these sub-prime cards can be a real risk. And they don't offer the same perks and rewards as the best credit cards for people with better credit might.

"They come with monthly fees, annual fees and the interest is really high," says Harris.

And she's not exaggerating: In the terms and conditions for the First Premier® Bank Mastercard® Credit Card, it states that for a card with a $300 credit limit, cardholders are charged a one-time program fee of $95, plus an annual fee of $75 in the first year (then $45), and a monthly fee of $6.25 after the first year. These fees increase as the credit limit goes up.

Likewise, two other sub-prime cards, the NetFirst Platinum and Horizon cards, charge a monthly maintenance fee of $6 and a membership benefits fee of $24.95, which is auto-debited with every billing cycle.

Saying yes to these offers can be risky, says Harris. You should turn to them only when you have a clear plan for how you'll use them to build credit. Before you hit "apply" or redeem a mail offer, research other credit-building cards. You may find out you qualify for a cheaper option for getting your credit back on track.

When to take advantage of preselected offers

"Special financing is a perk that comes along with showing how favorable you've been and how responsible you've been with other lenders, so the card issuers want to celebrate that," says Harris.

If you qualify for good terms, a 0% APR card can be very helpful for budgeting large purchases over time or paying down debt. But you'll need to feel confident in your ability to make your payments in order to make these incentives worth it.

Using a 0% APR card is even more beneficial when it comes with no balance transfer fee. This can save you considerably and give you a major jump-start on your debt. A39-year-old Denver professional that we spoke to saved almost $500 in interest by using a no-fee balance transfer card to pay off over $16,000 in credit card debt.

And if you're not looking for a 0% APR card, signing up for a card with a special one-time bonus offer can be a great way to earn cash back or travel miles on expenses you were already planning to make. These cards typically have an annual fee, so it's important to make sure you can offset the expense by the rewards you earn.

Can you call and ask your credit card issuer for an offer?

"You can call and ask, but I've never known a vendor to say yes because they all have their own in-house criteria," says Harris.

Every offer is selected on an individual-by-individual basis. Even if your issuer extends an offer to your friend or spouse, you might not see the same opportunity.

"My husband and I both have Discover cards, and sometimes he gets an offer that I don't," says Harris. "I'll call and ask if I can have it too, and they say no."

Harris thinks it could be an issue of seasonality and when card issuers market to their members. Since she applied for her card seven months before her husband, she believes they are in two different marketing cycles. Card issuers are known for mailing offers for different customers at different times based on the length of time that person has been a cardholder and how well they've followed the borrowing agreements.

In addition, your card issuer may want you to apply for a new card, instead of giving you an offer for your current card, in order to meet application quotas, says Harris. So instead of offering you 0% APR on a card you already have, you may need to open a brand new card. 

Bottom line

When you're being considered for a preapproved credit card offer, keep in mind that card issuers look at the whole picture. 

"I've seen people in the low 600s get approved and people in the low 700s get denied for the same offer," says Harris. "People always want to know what your score is when you get approved for a new offer, but that three-digit number is not the most important thing," she argues.

Factors such as income, debt-to-credit ratio (or credit utilization rate), payment history and recent inquiries are also important in your lender's decision.

Don't miss:

For rates and fees of the Blue Cash Preferred® Card from American Express, click here.

Information about the Chase Freedom®, First Premier® Bank Mastercard® Credit Card, NetFirst Platinum, and Chase Slate® has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.
Sours: https://www.cnbc.com/select/qualify-new-0-percent-apr-offers/

Chase Credit Cards: How to Prequalify

Highlights:

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

Highlights:

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
Sours: https://www.fool.com/the-ascent/credit-cards/chase-how-prequalify/
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How to get preapproved for a Chase credit card

Chase offers some of the top rewards and travel credit cards on the market, but it doesn’t necessarily make qualifying an easy feat. All Chase credit cards require good or excellent credit for approval, and Chase also has a rule that limits new credit cards to consumers it considers have too many already—the Chase 5/24 rule.

Unfortunately, Chase recently removed the tool on its website that allowed cardholders to easily check for preapproved credit card offers. But you still might be targeted for some of these promotions via snail mail. And existing Chase cardholders might receive targeted preapproved offers directly in their account as well.

Which Chase cards can you get preapproved for?

Top Chase credit cards you might be targeted for prequalification include the Chase Sapphire Preferred® Card, the Chase Freedom Unlimited®, the Chase Sapphire Reserve® and the Chase Slate Edge℠*.

Where the Chase Sapphire Preferred Card and Chase Sapphire Reserve are ideal for consumers who want to earn flexible travel rewards, the Chase Freedom Unlimited is perfect for anyone who wants to earn cash back without an annual fee.

For customers who are interested in making a balance transfer, the new Chase Slate Edge card is the first Chase card that allows balance transfers without visiting a Chase bank in person.

How to get preapproved for a Chase credit card

Getting preapproved for one of the best Chase credit cards is a bit more complicated than it used to be, since there is no longer a designated page on the issuer’s site to check for offers targeted to you. But it is not impossible if you know where to look.

Rest assured, if you do get prequalified for a Chase card, the issuer only performed a soft inquiry on your credit report. Unlike a hard inquiry, which can impact your credit score and requires your full Social Security number, a soft inquiry only requires very basic personal information.

Keep in mind that a prequalified Chase offer is not a guarantee of approval. This step only ensures you’re likely eligible for a Chase credit card based on your income, your credit and other factors.

Check for offers on your Chase account

Since Chase no longer offers a public-facing prequalification tool, the only way you’ll be able to get preapproved is if you are targeted. Existing Chase cardholders can check for targeted offers by following these steps:

  • Step 1: Log into your Chase account via desktop or mobile.
  • Step 2: Navigate to “Open an account” on your account menu.
  • Step 3: Select “Just for you” to view your current targeted offers from Chase.
  • Step 4: Browse for any credit card prequalifications.

Keep an eye on your mailbox

In addition to targeting current users via their Chase account, Chase is also known to target potential cardholders via snail mail. Keep an eye out for any mailers promoting popular Chase cards, and be sure to scan for prequalification language.

Check for offers on CardMatch

While not currently displaying prequalified offers from Chase, Bankrate’s CardMatch™ tool is another great way to predict if you qualify for one of the issuer’s cards.

By entering some basic information such as your name, email address and the last four digits of your Social Security number (you can create a free Bankrate account along the way for easier access in the future), you can be matched with qualifying card offers from a variety of issuers—including Chase.

At the moment, you won’t find any prequalified Chase offers in CardMatch. But the tool will still show cards from major issuers that match your credit profile. When an offer is not preapproved, it means the issuer did not do any sort of review to ensure you meet the criteria for the card. But, CardMatch still uses a soft pull to your credit to ensure it is displaying cards that match your qualifications.

The one major benefit of taking this route is that even if you don’t qualify for a Chase card, you might find another offer that is better for you. Plus, when you use CardMatch, there is no impact on your credit score.

Just keep in mind that just because you see an offer in CardMatch doesn’t guarantee you’ll be approved.

How to boost your chances of prequalifying and getting approved for a Chase credit card

There are several steps you can take right away to increase your chances of being prequalified and approved for a Chase card.

Check your credit score

If your FICO score falls in any category other than very good or excellent, which typically means any score below 740, then it’s possible you’ll need to spend time improving your credit before you can qualify for a Chase credit card. To see where you stand for sure, make sure you check your credit score.

Pay all of your bills early or on time

Because your payment history is the most important factor that determines your FICO score, paying all your bills early or on time is a smart way to ensure your credit score stays in good shape.

Pay off other debts

The second most important factor that makes up your FICO score is your credit utilization—or the amount you owe in relation to your credit limit. If your debt levels are high, you may be able to boost your credit score by paying off other debt.

While it’s generally recommended to keep your credit utilization below 30 percent, there’s no hard and fast number that will guarantee success (or send your credit score plummeting). Be mindful of your credit utilization as you work on improving your FICO score and focus on keeping it as low as possible.

Count your household income

The Consumer Financial Protection Bureau (CFPB) has introduced rules that let individuals list household income when applying for credit, which can be helpful for spouses who stay home or don’t work but have access to income otherwise. With that in mind, make sure you’re listing your household income on your credit card application if you apply, and not just your personal income.

Wait it out

Finally, remember that you’re unlikely to get approved for a new Chase credit card if you’ve had too many new credit cards in the recent past. If you’ve had more than five new cards in the last 24 months, you may need to wait a year or even longer to reapply for the Chase credit card you want.

Should you get a preapproved card from Chase?

Getting prequalified for a Chase credit card does have its benefits. You get to gauge if you’re likely to be approved for a Chase card without a hard inquiry on your credit report, and you can also use the opportunity to compare the top credit card offers you might be eligible for.

On the downside, it’s important to remember that preapproval doesn’t guarantee you’ll get the card you want in the end. You’ll have to fill out a full application to see if you’re approved or not, which could mean you’ll face a hard inquiry on your credit report without anything to show for it.

Should you get preapproved? If you plan to apply anyway, then you have nothing to lose. Just remember that, when it comes to getting approved for a credit card, you have to commit to filling out a full application before you know for sure.

*The information about Chase Slate Edge℠ has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

Sours: https://www.bankrate.com/finance/credit-cards/how-to-get-pre-approved-for-chase-credit-cards/

How to get preapproved for a Chase card

For those in the market for a Chase credit card, it can be nerve-wracking to fill out an application wondering if you’ll be approved. Many of the most popular Chase cards are limited to applicants with top credit scores, so those hovering between score ranges might want to avoid a hard pull to their credit.

Luckily, there is one way to boost your chances of getting approved for a Chase card. With prequalified offers, you can know ahead of time if Chase is likely to accept your application. There are a few things to know about getting a prequalified offer for a Chase card; read on to learn more.

See related: How to apply for a credit card and get approved

Top Chase cards for prequalified offers

Flexible cash back

Chase Freedom Flex℠

Flat-rate cash back

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Travel

Chase Sapphire Reserve®

Chase Sapphire Reserve®

5% cash back on up to $1,500 in combined purchases in bonus categories you activate each quarter

5% cash back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year

5% cash back on travel through Chase Ultimate Rewards

3% cash back on dining and drugstore purchases

1% cash back on all other purchases

$200 cash back if you spend $500 in first 3 months

5% cash back on travel through Chase Ultimate Rewards

5% cash back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year

3% cash back on dining and drugstore purchases

1.5% cash back on every other purchase

$200 cash back if you spend $500 in first 3 months

3 points per dollar on travel and dining at restaurants worldwide, after earning the $300 annual travel credit

1 point per dollar on all other purchases

50,000 bonus points if you spend $4,000 in first 3 months

Prequalify for cards on your Chase account

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Chase recently retired its public-facing prequalification tool, and it is not promoting prequalified offers on aggregator tools like CardMatch, but you can still check for targeted offers directly on the issuer’s website if you are an existing cardholder.

To see if you’ve been selected for any preapproved offers, just navigate to “open an account” in your desktop or mobile account, select “just for you” and browse offers targeted to you.

Other ways to prequalify for Chase cards

In many cases, you can receive a prequalified offer from Chase without checking online. For one, you can visit a branch of the bank and ask for any prequalified offers. You’ll be asked for similar personal information to online services.

Alternatively, you might receive a targeted, prescreened offer for a Chase card in the mail.

[graphi_callout]While CardMatch does not currently show any preapproved Chase offers, it is a good way to get a sense of which cards are best matched to your credit profile – including those from Chase. When a card shows up in your CardMatch results, it means you fit the target audience for the card based on information from a soft credit pull. While a match is not as good of a signal of approval as prequalification, it can help you better understand which cards are for you.[/graphic_callout]

Boost your chances

If you don’t have any prequalified Chase credit card offers from either of these avenues, you can boost your chances of snagging a prequalified offer by following these tips.

Work on your credit score

For those hovering on the edge of credit score requirements for a card, you can work to boost your score before you fill out a card application. Do this by making all your payments on time and in full and keeping your credit utilization ratio low.

Keep personal information up to date

If you are already a Chase customer, be sure to continually update information that can affect your approval odds, such as your income. By demonstrating you will be a responsible cardholder, you boost your chances of being targeted for a prequalified offer.

Prequalifying does not guarantee approval

If you’re prequalified for a Chase card, it does not ensure you will be approved. There is always a small chance that your application will be denied.

Nevertheless, your odds are significantly improved when you prequalify, as you know you meet the credit requirements for that particular card. For those worried about suffering a hard pull to their credit only to be denied, prequalified offers are a great way to maximize your chances of scoring the best card for you.

One final thing to note: Applying for a prequalified Chase offer is not a way to bypass the 5/24 rule. Historically, some Chase cardholders have noted that targeted credit card offers by mail or online didn’t add to their 5/24 standing. However, this is not confirmed to be true and prequalified offers do not fall under this category.

Final thoughts

Those seeking a Chase credit card can benefit from checking their prequalified offers. You’ll get a better idea of your approval odds, minimizing the risk of a hard pull to your credit coupled with a denied application.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Emily Sherman is a senior editor at CreditCards.com, focusing on product news and recommendations. She is also one of the founders of To Her Credit, a biweekly series of financial advice by women, for women. When she's not writing about credit cards, she's putting her own points and miles to use planning her next big vacation.

Sours: https://www.creditcards.com/credit-card-news/chase-preapproval/

Offers chase pre selected

Chase Credit Card Pre-Approval: How to Check Your Offers and Apply

Update: As of August 2021, Chase has removed the credit card pre-approval tool from its website. It’s unclear if Chase will bring it back in the future.

Chase provides some of the best credit card offers on the market, from cash back to travel rewards. But Chase cards aren’t the easiest to get. They typically require good to excellent credit, and then there’s the 5/24 rule.

The 5/24 rule is an unpublished Chase restriction for credit card applications. If you’ve opened five or more personal credit cards in the past 24 months, you typically can’t get approved for a Chase credit card.

Thankfully, you can get an idea of whether or not you might qualify for a Chase card, with no impact on your credit scores — before you apply.

Insider tip

It’s always a good idea to check for pre-qualified offers before you apply for any credit card, since you may get a better-than-average offer, like a higher welcome bonus.

How Can You Check Your Chase Pre-Qualification Status?

Visit the Chase Pre-Qualification page to quickly and easily check for pre-approved offers online.

You’ll need to provide:

  • Full name
  • Address
  • Last four digits of Social Security number

Checking your pre-qualification status won’t have any effect on your credit scores. If you go on to actually apply for a card, however, that will result in a hard inquiry, which can affect your credit. And if you’re approved, opening a new credit card can affect your credit scores in various ways.

You may also get physical mail from Chase, saying you’ve been pre-approved for certain cards and inviting you to apply. There might be a specific code to claim the offer, but if any Chase offers are currently extended to you, you’ll probably find them online too.

If you’re already a Chase bank customer, you may find custom offers when logging in to your account, as well.

Insider tip

Pre-qualifying for a credit card doesn’t mean you’re guaranteed approval if you apply! You could still be denied, especially if the contents of your credit reports have since changed drastically.

What Chase Cards Can You Pre-Qualify For?

It’s unclear exactly which Chase credit cards you can pre-qualify for, but there are three popular cards displayed on Chase’s pre-qualification page:

Other Chase cards you may find pre-approvals for include:

Insider tip

Chase’s online pre-qualification tool is unlikely to work for Chase business credit cards, since it doesn’t ask for any business-related information.

Rewards
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
Rewards
Spending Rewards
  • 5% cash back on:
    • Travel purchased through Chase Ultimate Rewards
    • Lyft rides (through March 2022)
    • Grocery store purchases (not including Target or Walmart) up to $12,000 spent in the first year
  • 3% cash back at:
  • 1.5% cash back on all other purchases
Introductory Bonus
  • $200 bonus for spending $500 in the first 3 months
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APRN/A
  • Regular Balance Transfer APR14.99% - 23.74% Variable
  • Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APRUp to 29.99%
  • Late FeeSee Terms
  • Returned Payment FeeSee Terms
  • Additional Cards Annual FeeN/A
  • Foreign Transaction Fee3% of each transaction in U.S. dollars
Rewards
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
Rewards
Spending Rewards
  • 5X Ultimate Rewards points per dollar:
    • Travel purchased through Chase Ultimate Rewards
    • Lyft rides (through March 2022)
  • 3X Ultimate Rewards points per dollar:
    • Dining
    • Select streaming services
    • Online grocery purchases (excluding Target, Walmart, and wholesale clubs)
  • 2X Ultimate Rewards points per dollar for other Travel purchases
  • 1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus
  • 60,000 bonus points after spending $4,000 on purchases in the first 3 months

Bonus restrictions

You are ineligible for this bonus if you have a Sapphire card, or you’ve received a new cardmember bonus for any Sapphire card in the past 48 months.

Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APRN/A
  • Regular Balance Transfer APR15.99% - 22.99% Variable
  • Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APRUp to 29.99%
  • Late FeeSee Terms
  • Returned Payment FeeSee Terms
  • Additional Cards Annual FeeN/A
  • Foreign Transaction Fee$0

The information related to Chase Sapphire Preferred® Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Rewards
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Rewards
Spending Rewards
  • 10X Ultimate Rewards points per dollar:
    • Chase Dining through Ultimate Rewards
    • Hotel stays and Car rentals through Ultimate Rewards (after the full travel credit is used)
    • Lyft rides (through 3/31/22)
  • 5X Ultimate Rewards points per dollar on Air travel through Ultimate Rewards (after the full travel credit is used)
  • 3X Ultimate Rewards points per dollar:
    • Travel (after the full travel credit is used)
    • Dining
  • 1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus
  • 50,000 bonus points after spending $4,000 on purchases in the first 3 months
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APRN/A
  • Regular Balance Transfer APR16.99%-23.99% Variable
  • Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APRUp to 29.99%
  • Late FeeSee Terms
  • Returned Payment FeeSee Terms
  • Additional Cards Annual Fee$75
  • Foreign Transaction Fee$0

The information related to Chase Sapphire Reserve® has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Rewards
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
Rewards
Spending Rewards
  • 5% cash back on:
    • Travel purchased through Chase Ultimate Rewards
    • Lyft rides (through March 2022)
    • Grocery store purchases (not including Target or Walmart) up to $12,000 spent in the first year
  • 5% cash back in rotating categories, up to $1,500 spent per quarter, then 1%
  • 3% cash back at:
  • 1% cash back on all other purchases
Introductory Bonus
  • $200 bonus for spending $500 in the first 3 months
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APRN/A
  • Regular Balance Transfer APR14.99% - 23.74% Variable
  • Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APRUp to 29.99%
  • Late FeeSee Terms
  • Returned Payment FeeSee Terms
  • Additional Cards Annual FeeN/A
  • Foreign Transaction Fee3% of each transaction in U.S. dollars

The information related to Chase Freedom Flex℠ has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Rewards
  • Receive a $100 bonus on your statement when you spend $500 in your first six months from account opening.
  • Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
  • Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
  • 0% Intro APR for 12 months from account opening on purchases and balance transfers, then a variable APR of 14.99 - 23.74%.
  • No annual fee
Rewards
Introductory Bonus
  • $100 statement credit for spending $500 in the first 6 months of account opening
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR0% for 12 months
  • Regular Balance Transfer APR14.99%–23.74% Variable
  • Balance Transfer Fee3%, $5 minimum
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APRUp to 29.99%
  • Late FeeSee Terms
  • Returned Payment FeeSee Terms
  • Additional Cards Annual FeeN/A
  • Foreign Transaction Fee3%

The information related to Chase Slate Edge℠ has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

What Does Credit Card Pre-Approval Mean?

Being pre-approved for a credit card means you’ve met some initial criteria to qualify, but you’re not guaranteed approval.

You’ve only passed a first, relatively easy set of hurdles, usually based on the information in your credit reports. The initial criteria may have to do with credit scores, length of credit history, payment history — whatever the lender decides.

Credit card issuers ask the credit bureaus (Experian, Equifax, TransUnion) for the names of people who meet certain standards, and extend offers to apply to them. In many cases, the offers you get are the same as the offers publicly available online, known as public offers. In other cases, you may be targeted with a special private offer — either better or worse than the standard public offer, depending on your credit.

When you apply for a credit card, the issuer (Chase, in this case) will perform a hard inquiry on your credit reports, and will ask for more information about your finances, like income. This is the real test. A pre-approval means you have a good chance, but your actual approval depends on the results of this more comprehensive look at your credit and financial situation.

Learn more about credit card pre-approval, or pre-qualification, here.

Quick Guide

What's the difference between pre-approval and pre-qualification?

When it comes to credit cards, there isn’t really any difference. Credit card issuers may use either term to describe a potential customer who has been pre-selected for a credit product in some way. In this post we’re using them interchangeably.

Every card issuer has its own preference for which term to use, and its own standards for who qualifies for pre-approval. But in practice, they end up meaning basically the same thing.

Take note, however, that when these terms are used in other contexts, like mortgage lending, they may have very different and specific meanings.

How Long Does Chase Pre-Approval Last?

Pre-approval offers come with an expiration date, usually 30 or 60 days in the future. But these expiration dates don’t matter too much, since you have to go through a full credit check when you actually apply, anyway.

Usually, there isn’t much harm in waiting to apply for a credit card, as long as your credit scores stay about the same. If your pre-qualified offer expires, you can just re-check your status, and you may get the same offer.

But you may want to secure an offer quickly, while you know you’re pre-qualified, before anything changes about your credit or the economy at large. This is especially true if you get an offer with better terms, like a bigger introductory bonus.

Insider tip

You can check your pre-qualification status online with other credit card companies too, like American Express, Capital One, Citi, and Bank of America. Many other issuers, including credit unions, send offers by mail but don’t always have online pre-approval tools. Checking your status with many issuers may give you a better idea of your approval odds.

What If My Credit Scores Drop After Pre-Approval?

If you get a pre-approved offer and then your credit scores fall, you may be denied if you apply for the card. The harder your credit gets hit, the worse your chances are.

This is why, as mentioned, pre-approval does not guarantee approval. Chase took a quick look at your credit profile, and thought you might be a good fit. If you then use credit irresponsibly, the lender may reevaluate its decision.

A pre-approval only means that you’ve passed certain initial requirements — when you apply, Chase will take a deeper look at your credit history and other financial factors, and will approve or deny you based on what it finds.

You may be rejected even if your credit scores stay the same (or improve) in the time between the pre-approval and the actual application, although this isn’t too likely.

Why You Shouldn’t Throw Away Pre-Approved Credit Card Offers

Learn how to profit from them instead.

Written by

Brendan Harkness

Brendan has been writing about personal finance for over eight years, and is now taking on the challenge of bringing high-quality credit education to the masses. He makes sure that Credit Card Insider is covering the most important credit topics transparently and precisely, and that we have up-to-date reviews of credit cards so you can find cards that are right for you.

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The responses below are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertisers' responsibility to ensure all posts are accurate and/or questions are answered.

Sours: https://www.creditcardinsider.com/blog/chase-credit-card-pre-approval-how-to-check-your-offers-and-apply/
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