How to Get a Credit Card from JP Morgan Chase Bank

Whether you’re new to credit or looking to upgrade to a premium card, Chase offers a wide variety of credit card options for different lifestyles and goals. But how exactly can you get approved for a Chase credit card?

In this article, we’ll guide you step-by-step through the process of getting a credit card from JPMorgan Chase, from understanding the requirements to tips that increase your chances of approval.

Understand the Types of Chase Credit Cards

Before applying, it’s important to know that Chase offers a broad range of credit cards, including:

• Cash Back Cards (e.g., Chase Freedom Unlimited®, Chase Freedom Flex®)

• Travel Rewards Cards (e.g., Chase Sapphire Preferred®, Chase Sapphire Reserve®)

• Business Credit Cards (e.g., Ink Business Preferred®)

• Premium and Exclusive Cards (e.g., J.P. Morgan Reserve – invitation only)

Each card has different features, benefits, and approval requirements.

So, the first step is choosing the one that fits your needs.

Check Your Credit Score

Like most major banks, Chase considers your credit score a key factor in the approval process. Generally:

• For basic cards (like Freedom Flex): Good credit (670–739) may be enough.

• For premium cards (like Sapphire Reserve): Excellent credit (740+) is usually required.

You can check your credit score for free through many apps or credit bureaus before applying.

Meet Basic Eligibility Requirements

To qualify for a Chase credit card, you must:

• Be at least 18 years old

• Have a valid Social Security Number or Taxpayer Identification Number (TIN)

• Be a U.S. resident or have a valid U.S. address

• Have a steady income

For business cards, you’ll also need to provide information about your business, even if it’s a sole proprietorship or side hustle.

Understand the 5/24 Rule

Chase is known for its “5/24 Rule”, which means:

If you’ve opened 5 or more credit cards from any bank in the last 24 months, Chase will likely deny your application—even if your credit score is excellent.

So, if you’re planning to apply for a Chase card, make sure you’re under that 5-card limit.

Choose the Right Card for Your Situation

Here are some examples of Chase credit cards and the profiles they best fit:

• New to credit or want cash back?
  → Chase Freedom Unlimited®: No annual fee, earns 1.5% cash back on everything.

• Love to travel?
  → Chase Sapphire Preferred®: Points for travel, dining, and flexible redemptions.
  → Chase Sapphire Reserve®: Premium travel perks, airport lounge access, higher rewards rate.

• Business owner?
  → Ink Business Cash® or Ink Business Preferred®: Tailored rewards and tools for business spending.

Make sure to compare APR, annual fees, rewards, and welcome bonuses before applying.

Apply Online or at a Chase Branch

Once you’re ready, you can apply in one of two ways:

🖥️ Apply Online:

Visit the Chase website and fill out the application form. You’ll need to provide:

• Full name and address

• Social Security Number or TIN

• Income and employment information

• Housing details (rent or own, monthly payment)

The process usually takes just a few minutes.

🏦 Apply in Person:

You can also visit a local Chase branch and speak with a banker.

This can be helpful if you have specific questions or need assistance choosing the right card.

Wait for Approval

After you submit your application, one of three things may happen:

• Instant Approval: You’ll get your result within seconds.

• Further Review: Chase may request more information and give a decision within 7–10 days.

• Denial: If declined, you’ll receive a letter explaining the reason.

If denied, don’t panic! You can always call the Chase reconsideration line and ask for a manual review.

Activate and Use Your Card Responsibly

Once approved, your card should arrive in the mail within 7–10 business days. You’ll need to activate it online or by phone before use.

Be sure to:

• Pay your balance on time

• Avoid maxing out your credit limit

• Use rewards wisely

Good credit habits will not only help you keep your card in good standing but also increase your chances of qualifying for better cards in the future.

Bonus: How to Get the Exclusive J.P. Morgan Reserve Card

The J.P. Morgan Reserve Card is one of the most prestigious credit cards available, but it’s not open to the general public. To even be considered, you must:

• Be a J.P. Morgan Private Bank client

• Have at least $10 million in investable assets with the firm

If that’s your reality, congratulations!

Otherwise, consider the Chase Sapphire Reserve®, which offers similar perks and is open to qualified applicants.

Conclusion

Getting a credit card from JPMorgan Chase Bank is a straightforward process—as long as you understand the requirements, choose the right card, and apply strategically.

With powerful rewards, strong customer service, and some of the best credit card options on the market, Chase continues to be a top choice for millions of consumers.

Whether you’re building credit, growing a business, or planning luxury travel, there’s likely a Chase card that fits your lifestyle.