If you’re still working on establishing your credit score, it could be. Chase cards typically require good or excellent credit scores to be approved, so it’s recommended you have a score around 670 or better before applying. It’s not all about credit score, however; Chase will also take a look at any recent credit accounts you’ve opened and your annual income before giving a yes/no.
While Chase doesn’t offer secured credit cards or cards for bad credit, sometimes applying for one can be the fastest route to a Chase credit card. Using a credit card to build your credit score is a great way to start the journey toward a card that brings rewards.