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Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
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What credit score do you need to be approved for the Chase Sapphire Preferred Card?
Compliance associate Lakeisha Robinson has 12 years of compliance experience. She uses her credit card knowledge, passion for travel and general compliance rules to ensure that she and her team share the most accurate and compliant content with TPG readers.
Stephanie Stevens is an associate writer with TPG's credit cards team. She focuses on creating timely credit cards content for TPG readers.
also contributed to this story
July 11, 2026 • 9 min read
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Quick summary
A popular travel rewards card is accessible to both beginners and experienced travelers, but approval depends on several factors beyond just your credit score.
A FICO score of around 700 or higher is generally recommended for the best approval odds, though there is no officially published minimum.
Other key factors include your credit history, income, credit utilization and recent application activity.
Applicants are also subject to a rule that limits approvals if five or more personal credit cards have been opened in the past 24 months.
What to consider
Approval is not guaranteed by credit score alone; factors like length of credit history, income and overall credit profile are important.
A specific rule automatically denies applicants who have opened five or more personal credit cards from any issuer in the last 24 months.
If denied, applicants can call a reconsideration line to discuss their case and potentially shift existing credit lines.
What you'll miss from the article
Detailed strategies for improving approval odds and guidance on what to do if your application is rejected.
Generated by AI with support from our editorial team.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
While Chase doesn't publish a minimum credit score requirement, applicants with a FICO score of around 700 or higher generally have the strongest approval odds. However, your credit score is only one piece of the puzzle. Chase also considers your credit history, your income, your existing relationship with the bank and your application history.
Here's what you should know before applying.
What credit score do you need for the Chase Sapphire Preferred?
Although Chase doesn't publish a minimum credit score requirement, we generally recommend having a FICO score of at least 700 before applying. That's in the middle of the "good" credit score range (670 to 739) and should give you solid approval odds.
Applicants with good-to-excellent credit typically have the best chance of approval, though no credit score guarantees you'll be approved.
Using the FICO scoring model, credit scores fall into the following ranges:
Exceptional: 800 to 850
Very good: 740 to 799
Good: 670 to 739
Fair: 580 to 669
Poor: 579 and below
Keep in mind that it's possible to be approved with a score below 700 — or denied with a much higher one. Chase evaluates your overall credit profile, not just your credit score.
Chase doesn't disclose a minimum income requirement, but your income helps determine your ability to repay borrowed money. Higher income can strengthen your application, particularly when paired with responsible credit management.
Credit utilization
Credit utilization — the percentage of your available credit you're using — is another important factor.
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While Chase doesn't publish a target utilization ratio, keeping your balances low (generally below 20%) demonstrates responsible credit use and can improve your approval odds.
Existing relationship with Chase
Having an existing banking relationship with Chase may also help. While it's not a formal application requirement, longtime Chase customers — especially those with checking, savings or investment accounts — may have stronger approval odds than new customers.
Should you apply for the Sapphire Preferred before the Sapphire Reserve?
If you're considering the Chase Sapphire Reserve® (see ), it often makes sense to start with the Sapphire Preferred. Approval is generally easier, and you can always upgrade to the Sapphire Reserve later if you decide its premium benefits better fit your travel style.
Under no circumstances should you pay to check your credit score. Many credit cards come with a free FICO score calculator. And even if yours doesn’t, there are many other ways to check your credit score for free.
Many free sites can help you keep better track of your score and its factors. You can even use these services to dispute any information on your score that isn’t accurate or appears to be fraudulent. If you want even more credit services, you may also consider paying for a credit-monitoring service like myFICO.
While the exact formula for calculating your credit score isn’t public, FICO is transparent about the factors they assess and the weightings they use:
Payment history: 35% of your FICO score is based on your payment history. So, if you get behind in making loan payments, this part of your credit score will suffer. Also, the more extended and more recent the delinquency, the more significant the negative effect.
Amounts owed (credit utilization): 30% of your FICO score consists of the relative size of your current debt. In particular, your debt-to-credit ratio is the total of your debts divided by the total available credit across all your accounts. Many people claim that having a debt-to-credit ratio below 20% is best, but it’s not a magic number.
Length of credit history: 15% of your score represents the average length of all accounts on your credit history. The average length of your accounts can be a significant factor if you have a limited credit history. It can also be a factor for people who open and close accounts quickly.
New credit: Your most recent accounts determine 10% of your credit score. So, this part of your credit score will suffer if you’ve recently opened too many accounts. After all, obtaining a lot of new credit is one sign of financial distress.
Credit mix: 10% of your score is related to how many different credit accounts you have, such as mortgages, car loans, credit loans and store credit cards. While having a mix of loan types is better than having just one type, we don’t recommend taking out unnecessary loans solely to boost your credit score.
With regard to the Sapphire Preferred, one crucial factor to consider is the average age of your accounts. While a lengthier credit history will boost your score, many issuers focus on the one-year cutoff. That means that having an average age of accounts of more than a year can go a long way toward increasing your odds of approval. However, you might have trouble getting approved with 11 months of credit history — even if your numerical credit score is excellent.
If you have any delinquencies or bankruptcies on your credit report, Chase might hesitate to approve you for a new line of credit. It’s important to remember that your credit profile is more than just a number. Your credit profile is a collection of information given to the issuer to analyze your creditworthiness.
As a result, there is no hard-and-fast rule about a specific credit score that will automatically get you approved (or denied) for the Sapphire Preferred.
After you've checked your credit score, there is another Chase-related factor to consider before you apply for the Sapphire Preferred.
5/24 rule
As with most Chase cards, the Sapphire Preferred is subject to Chase’s 5/24 rule, which states that Chase will automatically reject your application if you’ve opened five or more personal credit cards (with any issuer) in the last 24 months.
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The 5/24 rule is hard-coded into Chase’s system, so agents generally can’t manually override it. As such, if you’re over 5/24, your only option for getting the Sapphire Preferred is to wait until you’re under 5/24 again.
If Chase rejects your credit card application, don’t give up. If you receive a rejection letter, you should first examine the reasons for your rejection. By law, card issuers must send you a written or electronic communication explaining what factors prevented you from being approved.
Once you’ve figured out why Chase rejected you, you can call the reconsideration line.
Tell the person on the phone that you recently applied for a Chase credit card, were surprised to see that Chase rejected your application and would like to speak to someone about getting that decision reconsidered.
From there, it’s up to you to build a case and convince the agent why Chase should approve you for the card.
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For example, if Chase rejected you for having a short credit history, you can point to your stellar record of on-time payments. Or, if Chase rejected you for missed payments, you could explain that those were a long time ago and your recent history has been perfect.
Chase is also known to limit a customer’s total credit line across all cards. You may have success overcoming a rejection by offering to shift unused credit from an existing card to a new one.
There’s no guarantee that your call will work, but it’s worth spending 15 minutes on the phone if it might help you get the card you want.
While Chase doesn't publish a minimum credit score for the Sapphire Preferred, a FICO score of at least 700 generally gives you the best chance of approval.
Just remember that your score is only one factor. Your credit history, your income, your credit utilization ratio and whether you're under Chase's 5/24 rule can all have a significant impact on your application.
If your credit profile is in good shape, the Sapphire Preferred remains one of the best travel rewards cards for beginners and frequent travelers.
