How to Get Preapproved for a Chase Credit Card

Table of Contents
  1. How to Pre-qualify for Chase Credit Cards
  2. How to Get Preapproved for Chase Card Offers
  3. My Favorite Chase Credit Cards

Chase has some of the best credit cards on the market right now.

But there's just one catch – you need to have pretty good credit. Technically, you need good or excellent credit to get it. Experian says a good credit score is a credit score above 700. An excellent credit score is when your score is above 800.

Even if you know your credit score, you might not be sure if your credit score qualifies as good or excellent. Or maybe you're on the cusp and don't want to risk it.

If you apply, your score will fall a little because of the hard inquiry.

Will the inquiry drop your good credit score into a “fair” credit score? Or your excellent score to just a “very good” score?

Does that mean you will be rejected for a card? Will the hard inquiry be a waste?

With so many question marks, you may not want to apply for a Chase card and risk it.

But there's a way to find out if you can get the card without taking a hit to your credit score. There's a way to see which cards Chase wants to give you.

How to Pre-qualify for Chase Credit Cards

Pre-qualify and pre-approved are two different things. Pre-approved means you'll definitely get the card, they already approved you. Pre-qualified means they probably will giv eyou the card because you qualify for it based on what they know about you.

And to find out if you are pre-qualified, you can use their tool!

  • Step 1: Go to the Chase prequalification tool and enter your details.
  • Step 2: Click “Find my offers.”
  • Step 3: Review the list of cards, these are the ones Chase has pre-qualified you for.

If you are not prequalified for any offers, you will see the following screen:

Chase: No prequalified offers
No card for you!

If you can't see the image, it says:

We are unable to locate any offers for you at this time.
This may be because you have opted out of “pre-screened” offers from Chase and other companies or you have recently responded to another offer from Chase.

However, we may still have products to meet your needs. Please continue to chase.com

That's what I see because I've opted out of prescreened offers through www.optoutprescreen.com.

If you do see a card, remember that it only means that you are pre-qualified. This does not guarantee you will get the card if you apply for it. It means that you would've qualified at the time Chase last pulled your credit report.

They don't pull a fresh report every time you ask, so your report may have changed since then and there's no way to know (besides reviewing your report for youreslf) when they may have last pulled it. So pre-qualification is only a good indicator of whether you'd get a card.

How to Get Preapproved for Chase Card Offers

Unfortunately, you can't do this online. There are two ways to know and one of them is iffy (your mileage may vary).

First, this is the less iffy one, is that you may have gotten a mailer. Some preapproval offers are those that are sent in the mail. When you get a mailer that is for a pre-approved offer, you'll see an invitation number on the letter. If it doesn't have an invitation number, it might just be a generic mailer telling you about a new card. The mailer may even say “you are pre-approved!” but unless it has an invitation number, it's not a true pre-approval.

This next one is a little iffier. I've read on a lot of forums and other blogs that you can also go into a branch and speak with a representative to look you up in their system. If you're an existing customer, you can go in with a credit or debit card and they'll swipe it to bring up your information. Otherwise, you'll need to bring ID (driver's license is fine) to have them look you up.

This is where it's important – if they tell you that you are pre-approved for an offer, the offer will include specific APR (a single number) for the card's interest rate. If it's a range, it's just a pre-qualified offer. It has to be a specific number like 12.99% and not 10.99% – 14.99%.

When I asked Chase on Twitter, they didn't deny you could visit a branch but they couldn't confirm it either:

So pre-approval may not be possible… but it never hurts to ask!

My Favorite Chase Credit Cards

I consider these four the best Chase credit cards right now for most people:

More detail on why I like each:

Southwest RR Premier CardPersonally, my favorite is the Southwest Rapid Rewards Premier Card because it helped me get Companion Pass that much easier. There's a sign-up bonus of 40,000 Rapid Rewards after spending $1,000 plus you earn 1 point per $1 spent, 2 points per $1 spent on Southwest and their partners.

You also get an additional 20,000 points after you spend $12,000 total on purchases in the first year. That's a total of 60,000 bonus points after $13,000 in spending.

Finally, you get 6,000 points on your anniversary and the annual fee is only $99, reasonable for a travel card.

If I didn't live right next to a huge Southwest airport, and I didn't mind an annual fee, I'd probably get the Chase Sapphire Preferred Card. It offers 60,000 Ultimate Rewards points after you spend $4,000 in purchases within the first three months. Those points are worth $750 in travel when you book via the Chase Ultimate Rewards portal or $800 in cash or gift cards. The card also gives you 2x points on dining and travel, 2x total points on up to $1,000 in grocery store purchases per month from 11/1/2020 to 4/30/21, 1x on everything else. The annual fee is $95.

The best Chase card without an annual fee is definitely the Chase Freedom Flexcard. You can earn a $200 after $500 in purchases in the first 3 months.

A close cousin to the Chase Freedom Unlimited card. The Chase Freedom Unlimited offers 5% on travel purchases through Chase Ultimate Rewards, 3% at drug stores and dining, plus 1.5% cash back on all other purchases. There is also a bonus $200 after you spend $500 on purchases in your first three months. This card also has $0 annual fee.

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Jim Wang

About Jim Wang

Jim Wang is a thirty-something father of three who is a frequent contributor to Forbes and Vanguard's Blog. He has also been fortunate to have appeared in the New York Times, Baltimore Sun, Entrepreneur, and Marketplace Money.

Jim has a B.S. in Computer Science and Economics from Carnegie Mellon University, an M.S. in Information Technology - Software Engineering from Carnegie Mellon University, as well as a Masters in Business Administration from Johns Hopkins University. His approach to personal finance is that of an engineer, breaking down complex subjects into bite-sized easily understood concepts that you can use in your daily life.

One of his favorite tools (here's my treasure chest of tools,, everything I use) is Personal Capital, which enables him to manage his finances in just 15-minutes each month. They also offer financial planning, such as a Retirement Planning Tool that can tell you if you're on track to retire when you want. It's free.

He is also diversifying his investment portfolio by adding a little bit of real estate. But not rental homes, because he doesn't want a second job, it's diversified small investments in a few commercial properties and a farm in Illinois via AcreTrader.

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  1. Paul says

    Good to know on pre-approval – I’ve never done that, but I have started to run into the 5 / 24 rule (their prohibition on having more than 5 credit cards – including non-Chase – in 24 months). I’m assuming the pre-approval process would help flag that risk, though my spreadsheet has now been updated to optimize my timing 🙂 Thanks for the informative post!

  2. Cecelia Camara says

    Both my husband and I come up with no offers on chase although we have multiple chase cards and both have excellent credit. Possibly we opted out of getting offers at some point in time? Is there a way to check and find out?

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