What Credit Score Do You Need For The Chase Sapphire Preferred 100,000 Point Bonus?

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Chase has increased the initial offer for the Chase Sapphire Preferred® Card to 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. This is one of the best card deals I’ve ever seen.

This isn’t a credit repair card, it’s a rewards card, and Chase is spending a lot of money to market to consumers they expect to become profitable for them.

Several years ago I wrote about aggregated consumer data reporting an average credit score of 728 when approved for the card. However earlier The Points Guy reported that similar data showed an average score of 736 for those approved for the card.

Of course that average may not be that enlightening. Many people have scores much higher than needed when they’re approved. Business Insider writes that you need “a minimum credit score in the high 600s” and that seems about right for a possible median or modal score, and it hasn’t seemed uncommon for readers to report that they had scores in the mid-600s when they were approved for the card.

My own score has a tendency to bounce around quite a lot based on how I’m using my credit. And of course your income, 5/24 status, and other factors go into determining whether you’ll be approved for the card as well. Credit score isn’t the only factor but it’s worth knowing that you likely need a good score but it also probably doesn’t have to be perfect by any means.

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community InsideFlyer.com, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

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  1. If Chase is looking for new business, moving spend from one Chase card to another is probably not attractive to them, even if one didn’t exceeded 5/24. They also have their commitment to their partners, so pulling spend from cards associated with those customers is not attractive. At the same time, they don’t want to push a disapproved customer to Citi, so it’s a balancing act. I suspect it’s more than credit score and 5/24.

  2. @Greg – I wouldn’t use last fall as a barometer for current approvals, my sense is that banks were still pretty skittish about the economy at the time, lots of uncertainty

  3. i would just like to thank my parents for teaching me how important it is to have a high credit score. being approved for loans at extra low rates is great

  4. @Greg– I think you are exactly right. Chase is being very picky. P2 was denied with 755 score.

    @John H–Chase did exactly that to me. They denied me last year for IHG Premier card and I have a score of 804. So I opened Amex cards and Citi cards. Screw Chase. I am over their games. I went in for 2 Private Client consultations. Chase’s investment choices were pitiful. All about them making more money off of me. So my 401K stayed at Vanguard. For a lot less cost.

  5. I too was rejected with an 830 credit score years ago
    Because I had opened an account with chase private client (half a mil ) prior to applying they exempted me from the 5/24 rule as I assume they didn’t want me to walk
    It was an intense conversation though with their legal Dept the banker and the Dept that approved the application after the initial decline
    Glad it worked out in the end

  6. @Gary – Any idea how long a card must be closed before someone can apply for a new one?

  7. I was rejected despite a score of 780 and being under 5/24. The reconsideration line told me that I already have max credit extended although the only personal card I have with Chase is a no-fee Marriott card with a 2k limit. I do have 2 small business cards with a total of about 70k in available credit, but when asked they told me that they can’t move credit from business to personal cards even though they are denying the personal card based on available business credit (I never carry a balance on any of the cards).

  8. Chase is sitting on about $500 billion to use to try to generate higher returns for itself. That should make for some interesting lending activity by a Chase that is expecting higher rates ahead and higher inflation.

  9. The other question is: what is the minimum income needed for approval? My daughter would like the card, but she is a college student with only a part-time job paying her about $15,000 per year.

  10. I applied last week at a Chase branch (high encourage this) and prior to applying in branch, i created an online checkin account. I have never had a chase card and my credit file is very thin (only 2 active CCs with leas than $4k revolving). I asked about income at the bank and the mgr said thats not really an indication for getting approved. 751 credit score and chase pulled experian

    Step 1 – have good credit (at least 690)
    Step 2 – form a relationship with chase (in my case, an online bank account – they have promos). After opening the account, download the app to check if there are CC offers you qualified for.
    Step 3 – visit a branch after a week. There are special chase CC offers only available at the local branches. I prequalified for CSR, CSP, United, freedom cards and whatever else they had. I was shocked cos i heard horror stories about chase and how the CSR was for high income earners witj 800+ scores. Smh

    Got approved for CSP in less than 5mins transaction.

  11. I applied an hour ago with an 840 Experian score at 3/24 (Chase pulled Experian) with 4 active Chase cards opened at least 4 years ago. My income is solidly north of six figures. I even cut the limit on three of the Chase cards each from $15k to $10k a year ago waiting for a nice offer to come. It went pending. Go figure.

  12. I too was denied with a credit score on the upper 700s 4/24 low utilization and perfect payment history since 2012. Tired of Chase pitiful credit lines and pickiness. FYI I have or have had accounts with most of the major lenders.

  13. Think they’re taking a harder look at utilization of credit available. And not just using their $$ for a couple weeks and paying it off. They have no interest in giving you more credit that you pay off without incurring interest. Our 825+ scores attest to low balances… though we use our credit, we do so wisely, paying it off before it costs us.

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