Which Chase Card is the Hardest to Get? Here’s What You Need to Know
Honestly, if you’ve been eyeing a Chase credit card, you’ve probably asked yourself, Which Chase card is the hardest to get? It’s a pretty valid question, especially since some Chase cards come with incredible perks but also higher requirements. I’ve been there—trying to navigate through the sea of Chase cards, wondering which one might be the elusive golden ticket.
In this article, I’ll break down the Chase cards that are notoriously harder to get, and what makes them so challenging to qualify for. Let’s get into it!
The Chase Sapphire Reserve® – The Big One
Well, let’s just go straight to it. The Chase Sapphire Reserve® is probably one of the most coveted cards in the Chase lineup. Why? Because the rewards are insane—3x points on travel and dining, a massive sign-up bonus, and perks like airport lounge access, $300 travel credit, and more. But… it’s also probably the hardest Chase card to get.
You’ve probably heard this before, but let me spell it out for you: the Sapphire Reserve has high requirements when it comes to credit score and income. To even stand a chance, you should have a credit score of 700+—and let’s be real, that's on the lower end for this card. Many people say they get approved at around 740 or higher.
Why Is the Sapphire Reserve So Hard to Get?
The Chase Sapphire Reserve is not just a credit card; it’s an experience, right? So, Chase wants to make sure they’re giving this card to someone who’s responsible with their credit, and someone who spends enough to make those huge rewards worth it. Honestly, when I first applied, I wasn’t sure if I was going to get approved. I had a decent score but my income was on the lower side, and I was sweating it out. But hey, turns out my score was good enough, and now I get to enjoy the perks!
Pro Tip: One way around the high entry barrier is to start with the Chase Sapphire Preferred® card. It’s much easier to get, and once you’ve built a relationship with Chase, you can always upgrade to the Reserve later.
Chase Ink Business Preferred® Credit Card – For the Entrepreneurs
You might be thinking, "Wait, isn’t this a business card?" Yup, it is. But here's the thing—the Chase Ink Business Preferred® is notorious for being tough to get, and not just because it’s for business owners. In fact, many applicants who have a solid business income and credit history still get rejected.
Why Is the Chase Ink Business Preferred So Tough?
It’s mostly because Chase is very strict when it comes to business credit cards. They want to see that your business is profitable, and they like applicants who have a solid track record of handling credit. Also, you need to be able to show that your business is substantial enough to support a high credit limit.
To be honest, I know a few people who’ve had their business credit rejected because they didn’t have the right documentation or hadn’t established enough of a history for Chase to feel confident.
Pro Tip: If you’re running a new business, try focusing on building your business credit with smaller, easier-to-get cards before applying for the Ink Business Preferred.
Chase Sapphire Preferred® – Easier, But Still Tough for Some
Okay, so you’re probably thinking, "Wait, but isn’t the Sapphire Preferred the entry-level card compared to the Reserve?" Yes and no. It’s technically easier to get than the Sapphire Reserve, but it still comes with its own set of hurdles.
The Chase Sapphire Preferred® has slightly lower requirements, but still, you’ll need a good to excellent credit score (700+) to have a shot. If you’ve got a lower credit score or you’re new to the credit game, you might want to hold off before applying. I remember when my friend Alex applied for the Sapphire Preferred, he thought he’d get approved instantly. But even with a decent score, they asked him for more documentation to prove his income and identity. It's one of those cards where Chase is very meticulous about who they approve.
Why Is the Sapphire Preferred Not a Walk in the Park?
Simply put, Chase knows that this is one of their most popular cards, and they don’t want to hand it out too easily. Since it has great perks (2x points on travel and dining, a solid sign-up bonus, etc.), they’re going to vet applicants carefully. So, it’s definitely not as easy as a basic cashback card.
Chase Freedom Unlimited® and Chase Freedom Flex® – The "Easier" Options
Okay, so if you're just starting out or looking for a more accessible option, let’s talk about the Chase Freedom Unlimited® and Chase Freedom Flex®. These are by far the easiest cards to get in the Chase lineup, especially if your credit score is around 670-700. While they don’t come with as many lavish perks as the Sapphire cards, they’re still solid. You’ll get cashback on purchases, and there’s no annual fee, which is a nice perk.
But don’t let that fool you—just because these cards are easier to get doesn’t mean they’re a walk in the park. Chase still wants to make sure you’re responsible with your credit. I’ve heard of people with excellent credit getting denied because they’ve applied for too many cards in a short time, or maybe they have a relatively low income compared to their credit limits.
How to Improve Your Chances of Getting a Chase Card
I’ve been through the process of applying for Chase cards a couple of times, and here's what I've learned:
Know Your Credit Score: You should always know where you stand. If you’re close to the requirements, it might be worth waiting a few months to boost your score before applying.
Limit Your Recent Applications: Chase is picky about too many recent credit inquiries. If you’ve been applying for a lot of cards recently, it might be worth holding off.
Build a Relationship with Chase: Having a history with Chase (even just a checking account) can give you a better chance at approval.
Make Sure Your Income is Verified: Be prepared to show proof of income if asked. The more stable your financial situation, the better your chances.
Final Thoughts
So, which Chase card is the hardest to get? The Chase Sapphire Reserve® definitely takes the crown, but don’t sleep on the Ink Business Preferred® either—it’s tough for business owners too.
If you’re not quite there yet, don’t sweat it. Start small, build your credit, and maybe aim for the Sapphire Preferred® first. It’s all about the long game.
Have you ever applied for one of these cards? Or are you thinking about applying soon? Drop a comment, let’s talk about it!
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Is 165 cm normal for a 15 year old?
The predicted height for a female, based on your parents heights, is 155 to 165cm. Most 15 year old girls are nearly done growing. I was too. It's a very normal height for a girl.
Is 160 cm too tall for a 12 year old?
How Tall Should a 12 Year Old Be? We can only speak to national average heights here in North America, whereby, a 12 year old girl would be between 137 cm to 162 cm tall (4-1/2 to 5-1/3 feet). A 12 year old boy should be between 137 cm to 160 cm tall (4-1/2 to 5-1/4 feet).
How tall is a average 15 year old?
Average Height to Weight for Teenage Boys - 13 to 20 Years
| Male Teens: 13 - 20 Years) | ||
|---|---|---|
| 14 Years | 112.0 lb. (50.8 kg) | 64.5" (163.8 cm) |
| 15 Years | 123.5 lb. (56.02 kg) | 67.0" (170.1 cm) |
| 16 Years | 134.0 lb. (60.78 kg) | 68.3" (173.4 cm) |
| 17 Years | 142.0 lb. (64.41 kg) | 69.0" (175.2 cm) |
How to get taller at 18?
Staying physically active is even more essential from childhood to grow and improve overall health. But taking it up even in adulthood can help you add a few inches to your height. Strength-building exercises, yoga, jumping rope, and biking all can help to increase your flexibility and grow a few inches taller.
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Can you grow between 16 and 18?
Most girls stop growing taller by age 14 or 15. However, after their early teenage growth spurt, boys continue gaining height at a gradual pace until around 18. Note that some kids will stop growing earlier and others may keep growing a year or two more.
Can you grow 1 cm after 17?
Even with a healthy diet, most people's height won't increase after age 18 to 20. The graph below shows the rate of growth from birth to age 20. As you can see, the growth lines fall to zero between ages 18 and 20 ( 7 , 8 ). The reason why your height stops increasing is your bones, specifically your growth plates.