Easiest Chase Credit Card To Get [2025]: From Cash Back to Travel

Chase is one of the most popular credit card issuers out there. If you’re early in your credit-building journey and want a Chase card in your wallet, you should apply for a Chase card with lower credit requirements.

But regardless of the card you apply for, keep in mind that Chase considers various factors in addition to your credit score when deciding your creditworthiness. This means that your credit score alone doesn’t guarantee approval.

We recommend the Chase Freedom Rise^® as one of the easiest Chase cards to get approved for, thanks to its more lenient credit requirements. But if you already have good credit, consider applying for better rewards cards like the Chase Freedom Unlimited^® and Chase Sapphire Preferred^® Card.

Some of the easiest Chase credit cards to get

• Chase Freedom Rise^®
• Chase Freedom Unlimited^®
• Ink Business Cash^® Credit Card
• Chase Slate Edge℠
• Chase Sapphire Preferred^® Card

Compare the easiest Chase credit cards to get

Credit card	Recommended credit	Annual fee	Excellent for
Chase Freedom Rise® 5.0 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Fair, Bad	$0	Chase banking customers
Chase Freedom Unlimited® 4.7 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Excellent, Good	$0	0% intro APR offer
Ink Business Cash® Credit Card 4.8 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Excellent, Good	$0	Business spending
Chase Slate Edge℠ 5.0 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Excellent, Good	$0	Long 0% intro APR
Chase Sapphire Preferred® Card 4.9 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Excellent, Good	$95	Travel benefits

Chase Freedom Rise^®

The Chase Freedom Rise makes sense if you want to use a Chase credit card to build your credit history. As a new cardholder, you can earn a $25 statement credit for enrolling in automatic payments within the first three months of account opening. You can also earn 1.5% cash back on all purchases.

Even better, the Chase Freedom Rise has a $0 annual fee and less strict credit requirements compared to most other Chase cards. And you can improve your chances of getting approved if you have a Chase checking or savings account with a balance of at least $250.

It’s not the best card for international travel since you have to pay 3% foreign transaction fees on applicable purchases outside the U.S.

Learn more in our Chase Freedom Rise credit card review

Chase Freedom Unlimited^®

The Chase Freedom Unlimited makes sense if you want to take advantage of multiple intro APR offers and a simple rewards rate combined with useful spending categories.

It has a $0 annual fee along with an excellent welcome offer and rewards rate:

• Welcome offer: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year).
• Rewards rate: Earn 6.5% cash back on travel purchased through Chase Travel℠, 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and 3% cash back on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases.

You can also take advantage of intro APR offers on purchases and balance transfers:

• Intro APR on purchases: 0% intro APR for 15 months on purchases (then 19.49% - 28.24% Variable).
• Intro APR on balance transfers: 0% intro APR for 15 months on balance transfers (then 19.49% - 28.24% Variable).

There are better cards available if you frequently travel abroad. That’s because you have to pay 3% of each transaction in U.S. dollars on foreign purchases.

Apply now | Learn more in our Chase Freedom Unlimited review

Ink Business Cash^® Credit Card

The Ink Business Cash is one of our favorite business credit cards because of its valuable spending categories for small business owners.

It has a $0 annual fee and provides great earning potential with a welcome offer and bonus categories:

• Welcome offer: Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
• Rewards rate: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases.

The rewards rate is one of the highest available for categories that align with many common types of business purchases.

You can also take advantage of an intro APR offer on purchases. You can receive 0% intro APR for 12 months on purchases (then 17.49% - 25.49% Variable).

You have to pay 3% of each transaction in U.S. dollars on foreign purchases. If you don’t want foreign transaction fees, consider pairing the Ink Business Cash with the Ink Business Preferred^® Credit Card.

Apply now | Learn more in our Chase Ink Business Cash review

Chase Slate Edge℠

The Chase Slate Edge makes sense if you want to take advantage of excellent intro APR offers on purchases and balance transfers.

It has a $0 annual fee and offers two intro APR offers:

• Intro APR on purchases: 0% intro APR for 18 months on purchases (then 19.49% to 28.24% Variable).
• Intro APR on balance transfers: 0% intro APR for 18 months on balance transfers (then 19.49% to 28.24% Variable).

The Slate Edge provides introductory APR periods that are longer than average, giving you the opportunity to avoid interest for more time.

You can’t earn rewards with the Chase Slate Edge and you have to pay foreign transaction fees on applicable purchases that you make abroad.

Learn more in our Chase Slate Edge review

Chase Sapphire Preferred^® Card

The Chase Sapphire Preferred is an excellent rewards card packed with travel benefits. It’s widely considered to be one of the best Chase credit cards available.

It provides a generous welcome offer and valuable rewards:

• Welcome offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
• Rewards rate: Earn 5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases.

You can also take advantage of multiple travel benefits:

• Hotel credit: Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Travel℠.
• Bonus redemption value: Receive 25% more value when you redeem points for travel through Chase Travel℠. Potential travel redemptions include flights, hotel stays, car rentals, experiences, and more.
• Transfer partners: Transfer your points to loads of airline and hotel travel partners, including Southwest Airlines, United, and World of Hyatt.

On top of that, Sapphire Preferred cardmembers don’t have to pay foreign transaction fees on applicable purchases.

You have to pay $95 each year as a cardholder. There also aren’t any intro APR offers, a perk typically missing on travel credit cards.

Apply now | Learn more in our Chase Sapphire Preferred review

How to choose a Chase credit card

Consider these factors to compare Chase credit cards and find the best option for you.

1. Eligibility requirements

Chase cards generally require a good or excellent credit score to be approved. That’s at least a 670 on the FICO scoring model. Note that the Chase Freedom Rise has less strict requirements, so you could qualify with a fair or bad credit score or no credit history at all. That makes it a good card to get started with if you’re a credit card beginner or new to the Chase bank ecosystem.

2. Stress-free usage

If you want a card that’s easy to use, consider no-annual-fee Chase cards. Since there’s no annual cost to worry about, you only have to concentrate on paying off your balance each month.

Remember that cards with annual fees tend to have more benefits. But for a card to be worth holding onto, you would need to get enough value from a card’s benefits to offset the annual cost.

3. Earning potential

Most Chase rewards credit cards earn Chase Ultimate Rewards points. These are flexible rewards that can be redeemed for a variety of options, including travel and cash back.

But each Chase credit card earns rewards in slightly different ways. Depending on your spending habits, you might prefer a card with a simple rewards rate or a card with spending categories.

A simple rewards rate might look like at least 1.5% back on all eligible purchases. Spending categories could include 3% back on dining and gas purchases. Simple rates are easier to handle, but bonus categories could help you maximize your earning potential.

4. Redemption options

You can redeem Chase Ultimate Rewards points for travel through the Chase travel portal, cash back, gift cards, and purchases at Amazon.com. Certain Chase cards, including the Chase Sapphire Preferred, also provide an option to transfer points to travel partners.

For cards like the Chase Slate Edge, which has no rewards program, you don’t have any redemption options.

5. Perks and benefits

Chase credit cards typically come packed with benefits. That could include purchase protection, extended warranty coverage, and different types of travel insurance.

Chase travel cards tend to have additional travel-related benefits. Depending on the card, you might have airport lounge access, annual travel credit, or a bonus to Chase Ultimate Rewards travel redemptions.

FAQs

Bottom line

The Chase Freedom Rise is one of the easiest Chase credit cards to qualify for because of its less stringent credit requirements. But if you already have a good credit score, you could qualify for many different Chase credit cards, including the Chase Freedom Unlimited and Chase Sapphire Preferred.

For more of our top recommendations, compare credit cards to find the right credit card offer for you.

Unlimited Cash Back

Chase Freedom Unlimited^®

4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Chase Freedom Unlimited^®

Apply Now

Current Offer

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.

Annual Fee

$0

Rewards Rate

6.5% cash back on travel purchased through Chase Travel℠, 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and 3% cash back on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases

Benefits and Drawbacks

Benefits

• High base rewards rate of 1.5%
• $0 annual fee
• Valuable welcome bonus for new cardholders
• Intro APR offers for purchases and balance transfers

Drawbacks

• Has a foreign transaction fee of 3% of each transaction in U.S. dollars
• No bonus categories for gas or groceries

Card Details

• INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
• Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% - 28.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC