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What Credit Do I Need To Get Approved For The Chase Sapphire Card?

- May 3, 2022 credit, Credit Card Info0 comments

The Chase Sapphire card currently has an increased welcome offer of 80,000 points after you spend $4,000 within the first 3 months. If you’re eligible for the card then you would want to grab the card now while the offer is up. 

The Sapphire card is not a starter card or credit repair card. You need good credit to get approved. Here is what you need to know regarding what credit factors are needed.

What credit score do I need to get approved for the Sapphire Preferred card?

In most cases you need a min of a 720 credit score. According to results in our database, the average score for approved applications on the Sapphire Preferred card is 751.

How much credit history do I need to get approved for the Sapphire Preferred?

In most cases, Chase will want to see a minimum of 12 months of credit history. It’s important to note that Chase will only count your own credit cards, not authorized users.

If you have $10k or more in your Chase bank account then Chase can sometimes approve with less history as well (in some cases, I have even seen people getting approved with absolutely zero credit history).

What other factors will Chase look at?

Chase will not like it if they see another inquiry on the same day you apply, or two or more credit inquiries within the past six month. 

You also need to make sure you’re not above the Chase 5/24 rule. In short, the Chase 5/24 rule means that Chase will not approve you if you opened 5 or more personal credit cards within the past 24 month. You can read a lot more about the Chase 5/24 rule here.

Which credit bureau will Chase pull?

Chase pulls your Experian credit report most of the time. 

Chase Sapphire Preferred >>

Frequently asked questions
Can I change a Chase Sapphire to a Freedom even if I already have both Freedoms?
Yes. You can have multiple

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Sam Sam has nearly a decade's worth of experience educating his many readers on everything credit. Sam spends his days checking out credit cards for a full report, from the minute benefit details to the shebang of welcome bonuses. Plus studying the ins and outs of building proper credit. It’s his favorite pastime and he loves sharing it with others.

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