You don't have a real 795 credit score with a file that thin. Chase looks at the entirety of your file, not just a number. Call the reconsideration number and see what happens. Answer from CIAMom420 on reddit.com
Chase
chase.com › education center › credit cards › credit scores
Credit Score Needed for a Rewards Credit Card |Chase
December 5, 2022 - A good credit score is generally required to qualify for a rewards credit card. Learn more in this guide.
Reddit
reddit.com › r/chasesapphire › instantly denied for chase sapphire preferred with 790 credit score???
r/ChaseSapphire on Reddit: Instantly denied for Chase Sapphire Preferred with 790 credit score???
January 30, 2024 -
I just applied online for the Chase Sapphire preferred card and got instantly rejected. I thought there was no way I would be denied and I would like to know if I am missing something.
I have 1 credit card open, 2 debit cards, and 1 auto loan (~$7,000 left).
795 credit score
~15% credit utilization
Never missed a payment on credit card, utilities, or auto loan
I earn ~$120,000 a year and my rent is $1,000
I am 25 years old and had the credit card I have now for ~5 years.
Am I missing something because I feel totally surprised I was denied.
Edit: I forgot I also have about $5,000 in student loans left and I used to have a discover student credit card for 4 years but closed it since I moved to another country after graduation and discover isn't accepted there plus they don't use credit cards there much anyway.
Top answer 1 of 30
49
You don't have a real 795 credit score with a file that thin. Chase looks at the entirety of your file, not just a number. Call the reconsideration number and see what happens.
2 of 30
11
Your credit profile is pretty thin. You only have 1 credit card and an auto loan, which is secured. You may need to open another credit card and revisit in a year.
Chase Sapphire Preferred Approved with a Bad Score - myFICO® Forums - 6744134
I decided to give it a try and ... something. Previously after a year when I got with chase banking, I applied for the chase sapphire preferred with my score was a 667 and very low credit utilization (<10%) and I was denied in 2022.... More on ficoforums.myfico.com
Would I be approved for the Chase Sapphire Preferred?
No you most likely would not be. More on reddit.com
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0
June 14, 2025Approval odds for Chase Sapphire Preferred?
Pros: chase banking customer, 1 yr+ credit history, Good scores Cons: lowish income, thin profile you're probably good. the real question is WHY the heck do you have 10K in a standard savings account?? that shit is losing money to inflation. Get High yield. Stat. More on reddit.com
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August 21, 2024Denied Chase Sapphire Preferred with good credit score and income?
Was the Quicksilver your first credit card? If so, that could be it. Chase generally wants to see at least one full year of credit history for the Sapphire cards. It is possible that your first full year’s credit history was not yet reflected on your report, but should be within a month or two. In any event, you will receive a letter telling you the specific reasons. If the only reason listed was your length of credit history, then maybe try again in a few months. More on reddit.com
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May 14, 2025The [coca name='chase-sapphire-preferred.Name' type='cards'] does not include credit for Global Entry or TSA PreCheck, but the [coca name='chase-sapphire-reserve.Name' type='cards'] Card has this benefit.
[coca name='chase-sapphire-preferred.Name' type='cards'] points don’t expire as long as your account remains open. That said, if your account status changes or your account is closed, you will immediately lose all of your points.
lendingtree.com
lendingtree.com › credit-cards › articles › chase-sapphire-preferred-benefits-guide
Chase Sapphire Preferred Card: Full benefits guide
Do I get TSA PreCheck with the [coca name='chase-sapphire-preferred.Name' type='cards']?
The [coca name='chase-sapphire-preferred.Name' type='cards'] does not include credit for Global Entry or TSA PreCheck, but the [coca name='chase-sapphire-reserve.Name' type='cards'] Card has this benefit.
lendingtree.com
lendingtree.com › credit-cards › articles › chase-sapphire-preferred-benefits-guide
Chase Sapphire Preferred Card: Full benefits guide
Do you get free bags with the [coca name='chase-sapphire-preferred.Name' type='cards']?
No, you won’t get free checked bags with the [coca name='chase-sapphire-preferred.Name' type='cards']. You’ll typically find this benefit with co-branded airline cards like the [coca name='united-mileageplus-explorer-card.Name' type='cards'], offered by Chase. You will get other benefits like bag baggage delay insurance and lost luggage reimbursement with the [coca name='chase-sapphire-preferred.Name' type='cards'].
lendingtree.com
lendingtree.com › credit-cards › articles › chase-sapphire-preferred-benefits-guide
Chase Sapphire Preferred Card: Full benefits guide
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CNBC
cnbc.com › cnbc select › credit cards › what credit score do you need to qualify for the chase sapphire preferred card?
What credit score do you need to qualify for the Chase Sapphire Preferred Card?
June 25, 2025 - When I first applied for the Chase Sapphire Preferred, I was rejected immediately even though I had a FICO credit score above 700 (I had been an authorized user on my parent's card) since I didn't have any credit history of my own.
The Points Guy
thepointsguy.com › credit-cards › credit-score-needed-for-chase-sapphire-preferred
Credit score tips for the Chase Sapphire Preferred - The Points Guy
October 5, 2025 - It also includes perks like an ... To learn more, read our full review of the Sapphire Preferred. Credit scores in the mid-700s and above will typically be enough to get you approved for most travel credit cards....
Chase Credit Cards
creditcards.chase.com › rewards-credit-cards › sapphire › preferred
Chase Sapphire Preferred Credit Card | Chase.com
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.† For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees. Enjoy 24/7 access to a customer service specialist from virtually anywhere in the world. Receive instant access to your card by adding it to a digital wallet, like Apple Pay®, Google Pay™ or Samsung Pay. Find out how at · chase.com/digital/spend-instantlyOpens in a new window. Stay informed and alert with Chase Credit Journey® Chase Credit Journey® is so much more than a free credit score.
Upgraded Points
upgradedpoints.com › home › news
Coupon Book Credits: Amex Platinum vs. Chase Sapphire Reserve
2 weeks ago - ... Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.125,000 points ... Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use ...
Upgraded Points
upgradedpoints.com › home › news
Chase Sapphire Reserve Boosts $500 Edit, Adds $250 Hotel Credit
2 weeks ago - Eligible bookings not only receive the $250 statement credit but also continue to earn Chase Ultimate Rewards points on the purchase cost above what’s covered by the credit, along with hotel loyalty program points for the full stay.
Credit Karma
creditkarma.com › creditcard › chaseSapphirePreferred
Chase Sapphire Preferred® Card
Intuit Credit Karma offers free credit scores, reports and insights. Get the info you need to take control of your credit.
Credit Karma
creditkarma.com › credit cards › insights › chase sapphire preferred® card review: good for budget-conscious travelers
Chase Sapphire Preferred Card Review: Good for Budget-Conscious Travelers | Intuit Credit Karma
Chase Sapphire Preferred® Card review: Good for budget-conscious travelers
Interested in the Chase Sapphire Preferred Card? Read reviews and see cardholder data, including average credit limits and credit scores.
LendingTree
lendingtree.com › credit-cards › articles › chase-sapphire-preferred-benefits-guide
Chase Sapphire Preferred Card: Full benefits guide
2 weeks ago - Tip: Although the Chase Sapphire Preferred® Card is a travel credit card, it’s a great choice if you spend frequently in other popular categories outside of travel. For example, if you love trying new restaurants, using your Chase Sapphire Preferred® Card can score you 3x points on each bill.
NerdWallet
nerdwallet.com › back to nerdwallet homepage › travel › 7 things to know before getting the chase sapphire preferred
7 Things to Know Before Getting the Chase Sapphire ...
While there is no official score required, it is generally known that the Chase Sapphire Preferred® Card requires a good credit score, which means 690 or higher.
Published December 2, 2025
Bankrate
bankrate.com › credit cards › issuers
How to get preapproved for a Chase credit card
November 17, 2025 - When it comes to Chase, you’ll likely need at least good credit (670 or higher). To qualify for the Chase Sapphire Preferred and Chase Sapphire Reserve, you’ll likely need very good (740 or higher) to excellent credit (800 or higher).
The Motley Fool
fool.com › motley fool money › credit cards › best chase credit cards › chase sapphire preferred review › what credit score do you need to get the chase sapphire preferred® card?
What Credit Score Do You Need to Get the Chase Sapphire Preferred® Card? | The Motley Fool
August 12, 2025 - With a low annual fee and versatile ... your wallet, here's what you need to know: most applicants will need a credit score of 700 or higher to qualify....
myFICO
ficoforums.myfico.com › t5 › Credit-Card-Approvals › Chase-Sapphire-Preferred-Approved-with-a-Bad-Score › td-p › 6744134
Chase Sapphire Preferred Approved with a Bad Score - myFICO® Forums - 6744134
July 23, 2024 - I decided to give it a try and ... a year when I got with chase, I applied for the chase sapphire preferred with my score was a 667 and very low credit utilization (<10%) and I was denied in 2022....
Reddit
reddit.com › r/chasesapphire › would i be approved for the chase sapphire preferred?
r/ChaseSapphire on Reddit: Would I be approved for the Chase Sapphire Preferred?
June 14, 2025 -
According to credit karma I have a 698 TransUnion score and 692 Equifax score. I have a 758 FICO score according to Credit Wise. I pay the balance every month 100%. The only credit card I have opened is Capital One Quicksilver and I have had it for 1 year and 6 months. My income is about $50k. But the issue is it has a $400 credit limit… I have asked for an increase about 3 or 4 times and they have only given it to me once, from $300 to $400. I think my utilization hurts me since my limit is so low. Still trying to figure this out. I just got an invitation in the mail to apply for the Chase Freedom Unlimited with +1.5% to existing benefits for the first year but I wanted to know why my luck would be with this one. Thanks!
Top answer 1 of 5
4
No you most likely would not be.
2 of 5
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Given that this card is an excellent travel card for the average to somewhat above average traveler, I’d recommend waiting. If you apply for it and get denied, that will only make it less likely to get reapproved in the near future due to a now “hard pull” on your credit. It’s easier said than done but work on reducing your use of the card until you can either increase your income to allow an increase in a limit, or where you can begin using the card well enough that you will automatically get an increase. Best wishes to you.
Consumer Financial Protection Bureau
consumerfinance.gov › consumer-tools › credit-cards › explore-cards › cards › jpmorgan-chase-bank-national-association-sapphire-preferred
JPMorgan Chase Bank, National Association Sapphire ...
Every six months, the CFPB collects and makes public data on credit cards from over 150 issuers to promote competition and transparency in the credit card market.
Forbes Advisor
forbes.com › advisor › credit-cards › what-credit-score-do-you-need-to-be-approved-for-the-chase-sapphire-preferred-card
What Credit Score Do You Need For Chase Sapphire Preferred Approval? – Forbes Advisor
June 21, 2025 - However, you can expect to need ... Chase Sapphire Reserve®. According to the FICO Scoring model, a good score ranges from 670 to 739....
Chase
chase.com › education center › credit cards › building credit
What Credit Score Do You Need for a Credit Card | Chase
March 6, 2023 - Don’t know what credit score you need to get a credit card? Discover the credit score ranges that will likely be needed to get approved for a credit card.
Reddit
reddit.com › r/chasesapphire › approval odds for chase sapphire preferred?
r/ChaseSapphire on Reddit: Approval odds for Chase Sapphire Preferred?
August 21, 2024 -
Hello everyone! I hope you're all having a great day.
I'm considering applying for the Chase Sapphire Preferred (CSP) card, but I'm unsure if I meet the qualifications. I'd really appreciate any advice you could offer.
Here's my current financial situation:
FICO Scores:
Experian: 700 (recently dropped 22 points after paying off my auto loan) Equifax: 716
VantageScores:
Experian: 735 Equifax: 740 TransUnion: 738
Credit Cards:
American Express Gold (opened July 2023) Chase Freedom Rise (opened September 2023) with a $5,000 credit limit (initially $1,000, automatically increased after 6 months)
Other Accounts:
Auto loan (paid off and closed)
Income: Approximately $30,000
I also maintain Chase checking and savings accounts with a combined balance exceeding $10,000.
As an international student, my credit history is relatively short (oldest account: 1 year, 1 month). This limited history makes me concerned about my approval odds. I'm aware that the CSP has a minimum credit limit of $5,000, which further reduces my confidence given my $30,000 income.
Any insights or suggestions would be greatly appreciated! Thank you so much for your time, and I hope you all have a wonderful day!
Top answer 1 of 5
10
Pros: chase banking customer, 1 yr+ credit history, Good scores Cons: lowish income, thin profile you're probably good. the real question is WHY the heck do you have 10K in a standard savings account?? that shit is losing money to inflation. Get High yield. Stat.
2 of 5
4
I think you’ll be accepted. I had a 720 Experian when I applied with one year credit history and got approved for 8k.
Chase
chase.com › education center › credit cards › credit scores
How to Check Your Credit Score With Chase Sapphire | Chase
September 20, 2024 - Discover how to obtain your credit score if you are a Chase Sapphire Preferred or Reserve card member. Learn additional tips on credit monitoring and more.