Your credit score will play a major role in your approval, or lack thereof, for a new credit card. Lenders typically pull credit scores and reports from one or a mix of the three major credit bureaus — Equifax, Transunion and Experian. However, your credit score may vary from one reporting agency to the next, so you may want to know which bureau a lender uses before you apply for a new card.
One common question along these lines is, “What bureau does Chase use for credit cards?” Read on to find out the answer.
What Credit Bureau Does Chase Use for Credit Cards?
Chase doesn’t openly tell customers which credit reporting agency they pull their data from for credit card decisions. There’s a strong chance that the company uses all three major bureaus when it makes credit decisions. However, a subtle hint suggests it may use one more often than the others.
Chase offers a free service known as the Chase Credit Journey. This service works like Credit Sesame and Credit Karma, giving you access to free credit scores, identity monitoring and other tools for improving your financial well-being.
On its website, Chase explains that it gets its data for its Credit Journey product from Experian, showing that the company has a well-defined relationship with the credit reporting agency. So, it’s safe to assume that Chase likely uses Experian for credit decisions, but it may also use other reporting agencies to validate the data.
What Credit Score Do You Need for Chase Credit Cards?
As with most credit card companies, Chase doesn’t tell potential applicants what credit score they’ll need for approval for any specific card. However, a review of the company’s credit card offers shows that they typically fall in the high-tier rewards category. That means they are premium cards.
In most cases, applicants need a good to excellent credit score for approval for top-tier cards like those that Chase provides. That means you will likely need a 670 credit score or above to qualify for approval for Chase credit cards.
Popular Chase Credit Card Offers To Consider
Chase offers a long line of credit cards to choose from. Find the details of some of the most popular offerings below.
The Chase Freedom Unlimited® credit card is a cash-back rewards credit card, meaning you can earn cash when you use the card for purchases. Here’s what you get when you use the Chase Freedom Unlimited card:
- Sign-Up Bonus: Earn a $200 bonus when you spend $500 on purchases in the first three months.
- Grocery Bonus: Get 5% cash back on grocery store purchases up to $12,000 in the first year, excluding Target and Walmart. That means you can earn up to $600 cash as part of this promotion.
- Cash Back: Earn 3% cash back at restaurants and drug stores and 5% on travel purchases through Chase Ultimate Rewards. Get 1.5% cash back on all other purchases.
- Promotional Interest: Enjoy 0% interest on purchases and balance transfers for the first 15 months. After that, the interest rate on the card will be between .
- No Annual Fee: You won’t pay a dime just for having the card.
The Chase Freedom FlexSM card is similar to the Chase Freedom Unlimited card. This card offers cash-back rewards that give you the potential to earn up to 5% cash back on purchases. Here are the features of the Chase Freedom Flex credit card:
- Sign-Up Bonus: Get a $200 bonus when you use the card for $500 in purchases in your first three months.
- Grocery Bonus: Enjoy 5% back on up to $12,000 in grocery store purchases during your first year, excluding Target and Walmart, for a total potential bonus of $600.
- Cash Back: Earn 5% cash back when you make purchases in quarterly bonus categories up to $1,500 per quarter. You also get 5% back on travel purchases made through Chase Ultimate Rewards, 3% back at restaurants and drugstores and 1% back on all other purchases.
- Promotional Interest: The Chase Freedom Flex card comes with 0% interest for the first 15 months on balance transfers and purchases. Following the promotional period, you’ll pay between .
The Chase Sapphire Preferred® card is the most generous travel rewards credit card the company offers, but there’s a tradeoff. The card comes with a annual fee. Nonetheless, the fee is easily offset with rewards if you use the card often. Here are the details of this offer:
- Sign-Up Bonus: Get 60,000 bonus points when you spend $4,000 on purchases in the first three months. That works out to $750 in travel rewards.
- Statement Credit: Earn up to $50 in statement credits each account anniversary year for qualifying hotel stays you book through Chase Ultimate Rewards.
- Points: Get five points for every dollar you spend on travel purchases through Chase Ultimate Rewards. Earn three points for every dollar on dining, eligible takeout and delivery purchases, online grocery purchases and streaming services. Get two points per dollar on travel purchases you make outside of Chase Ultimate Rewards and one point per dollar on all other purchases.
- My Chase Plan: Break purchases of $100 or more into fixed monthly payments with zero interest. There is a fixed payment fee to consider if you take advantage of this feature.
If you’re considering opening a new credit card account, you should strongly consider offers from Chase. The cards above offer meaningful cash back or travel rewards. Before applying, take into account the credit bureau that Chase may use to pull their data from for their credit card applications as it may impact their ultimate decision.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Dec. 7, 2022.
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