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How to get preapproved for a Chase card

Prequalified offers can boost your chances of snagging top credit card offers


Prequalified offers from Chase can help you get a better idea of which ones you can qualify for – and hopefully avoid a denied application.

The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs.

For those in the market for a Chase credit card, it can be nerve-wracking to fill out an application wondering if you’ll be approved. Many of the most popular Chase cards are limited to applicants with top credit scores, so those hovering between score ranges might want to avoid a hard pull to their credit.

Luckily, there is one way to boost your chances of getting approved for a Chase card. With prequalified offers, you can know ahead of time if Chase is likely to accept your application. There are a few things to know about getting a prequalified offer for a Chase card; read on to learn more.

See related: How to apply for a credit card and get approved

Top Chase cards for prequalified offers

Everyday cash back

Chase Freedom

Chase Freedom®

Flat-rate cash back

Chase Freedom Unlimited

Chase Freedom Unlimited®


Chase Sapphire Preferred

Chase Sapphire Preferred® Card

5% cash back on up to $1,500 in combined purchases in bonus categories you activate each quarter

5% cash back on travel through Chase Ultimate Rewards

3% cash back on dining and drugstore purchases

1% cash back on all other purchases

$200 cash back if you spend $500 in first 3 months

5% cash back on travel through Chase Ultimate Rewards

3% cash back on dining and drugstore purchases

1.5% cash back on every other purchase

$200 cash back if you spend $500 in first 3 months

2 points per dollar on travel and dining at restaurants worldwide

1 point per dollar on all other purchases

60,000 bonus points if you spend $4,000 in first 3 months

Check for offers on CardMatch

One way to check for prequalified Chase offers is through CardMatch™, a free service on To check for offers, you’ll need to enter personal information including your name, address and the last four digits of your social security number.

Not to worry, checking your offers on CardMatch does not trigger a hard pull to your credit – only a soft one. That means you don’t have to worry about it affecting your credit score.

You’ll see a full list of both prequalified matches from issuers (including Chase) and cards recommended for you based on your credit score.

Prequalify for cards on the Chase website

Chase also lets potential applicants check for prequalified offers directly on its website. Like with CardMatch, you’ll be prompted to enter your name, address and the last four digits of your SSN.

Checking for prequalified offers on the Chase site only triggers a soft pull to your credit.

Other ways to prequalify for Chase cards

In many cases, you can receive a prequalified offer from Chase without checking online. For one, you can visit a branch of the bank and ask for any prequalified offers. You’ll be asked for similar personal information to online services.

Alternatively, you might receive a targeted, prescreened offer for a Chase card in the mail.

Boost your chances

If you don’t have any prequalified Chase credit card offers from either of these avenues, you can boost your chances of snagging a prequalified offer by following these tips.

Work on your credit score

For those hovering on the edge of credit score requirements for a card, you can work to boost your score before you fill out a card application. Do this by making all your payments on time and in full and keeping your credit utilization ratio low.

Keep personal information up to date

If you are already a Chase customer, be sure to continually update information that can affect your approval odds, such as your income. By demonstrating you will be a responsible cardholder, you boost your chances of being targeted for a prequalified offer.

Prequalifying does not guarantee approval

If you’re prequalified for a Chase card, it does not ensure you will be approved. There is always a small chance that your application will be denied.

Nevertheless, your odds are significantly improved when you prequalify, as you know you meet the credit requirements for that particular card. For those worried about suffering a hard pull to their credit only to be denied, prequalified offers are a great way to maximize your chances of scoring the best card for you.

One final thing to note: Applying for a prequalified Chase offer is not a way to bypass the 5/24 rule. Historically, some Chase cardholders have noted that targeted credit card offers by mail or online didn’t add to their 5/24 standing. However, this is not confirmed to be true, and prequalified offers do not fall under this category.

Final thoughts

Those seeking a Chase credit card can benefit from checking their prequalified offers – via CardMatch or the Chase site. You’ll get a better idea of your approval odds, minimizing the risk of a hard pull to your credit coupled with a denied application.

*Information about the Chase Freedom and Chase Sapphire Preferred cards has been collected independently by The issuer did not provide the content, nor is it responsible for its accuracy. 

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

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