The Chase Sapphire Preferred Card is widely considered one of the best travel rewards cards for beginners and experienced travelers alike. While Chase doesn't publish a minimum credit score requirement, applicants with a FICO score of around 700 or higher generally have the strongest approval odds.
However, your credit score is only one piece of the puzzle. Chase also considers your credit history, your income, your existing relationship with the bank, and your application history. This means that even if you have a high credit score, you may still be rejected if your credit profile is not strong overall.
Limited-time offer: Earn 100,000 bonus points after spending $5,000 on purchases in the first three months from account opening. This card is a great option for those who want to earn rewards on their daily purchases and travel expenses.
To get approved for the Chase Sapphire Preferred, you'll need to meet certain requirements. While there's no hard-and-fast rule for a specific credit score, a FICO score of at least 700 is generally recommended. This score falls in the middle of the "good" credit score range (670 to 739) and should give you solid approval odds.
Applicants with good-to-excellent credit typically have the best chance of approval. However, no credit score guarantees you'll be approved, and Chase evaluates your overall credit profile, not just your credit score. To get a better understanding of your credit score, use a free FICO score calculator or check your credit report for free.
Chase also considers several other factors when deciding whether to approve you for the Sapphire Preferred. These include your credit history, income, credit utilization ratio, and whether you're under Chase's 5/24 rule. If you've opened five or more personal credit cards in the last 24 months, you'll be automatically rejected.
What to do if your application is rejected? If Chase rejects your credit card application, don't give up. Check the reasons for your rejection and call the reconsideration line to discuss your application. You can build a case and convince the agent why Chase should approve you for the card.
Ultimately, while there's no guarantee of approval, a FICO score of at least 700 and a strong credit profile give you the best chance of getting approved for the Chase Sapphire Preferred. If your credit profile is in good shape, this card remains one of the best travel rewards cards for beginners and frequent travelers.
