How much US credit history do you need to be approved for Chase credit cards?

It’s best to have at least 12–18 months of credit history to get approved for Chase cards, although there’s no hard-and-fast rule, and your ability to get approved can depend on other factors including banking activity and assets with Chase.

To get Chase cards, you want enough US credit history to avoid any doubt regarding your ability to use credit responsibly. Unfortunately, the issuer tends to be more strict with its lending requirements than, say, Amex US, so it can often take quite a bit of credit history before you start getting approved by Chase.

Many individuals have reported only being able to obtain Chase credit cards after 12–18 months of US credit history, and even individuals with two years of credit history have reported being declined at the initial attempt and only succeeding after asking for a reconsideration.

However, opening a bank account with Chase can often speed up the process. Individuals with Chase bank accounts have received offers after six months, and have been approved with less than a year of history.

A good strategy would be to open a bank account, keep some assets in the account, and then wait to receive offers. If Chase provides a pre-approved offer, there’s a much better chance that you can get the card than if you applied to Chase without any relationship.

Another thing to keep in mind is that if you do get declined by Chase, you can ask for a reconsideration on your application and they’d be happy to review it again over the phone with you. There’s no guarantee that this will result in an approval, but it does provide you with a formal opportunity to make your case for why you should be approved.


Last updated 11 May 2019. Any questions?
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