Q: I’ve read several reviews of the Chase Sapphire card, including on your site and from a few friends. Unfortunately, my credit score is only about average. What is the minimum score required to apply for this card?

A: The Chase Sapphire card is a travel rewards card meant for personal use. This card requires a credit score in the “excellent” range, meaning in the mid 700s and up. The higher your credit score, the better your chances of qualifying and obtaining a good interest rate.

Don’t forget that credit score is not the only factor that goes into deciding whether or not you qualify for the card. Job history plays a factor, as well as credit history (which is related to credit score, but provides more information than just a number), and debt to income ratio. Having a stable job and enough income to comfortably make the minimum payments looks very good to potential lenders, as well as a history of paying your bills on time.

If you’re a frequent traveler, Chase has a Preferred version of its Sapphire card. The preferred version has an annual fee of $85 (waived for the first year), but its travel points are worth 25% more. You will have to estimate your spending for the next year and figure out which card is a better value to you. This card also requires a credit score of about 750 and above.

  • Credit Required
    Excellent Credit
  • Rewards Program
    2 points per dollar spent on dining & 1 point per dollar spent on all other purchases.
  • Signup Bonus
    10,000 Bonus Points ($100 in rewards)
    after $500 in purchases during your first 3 months.

CreditShout Rating:
( Very Good )

Do You Know What Your Credit Score Is?
It's important to know what your credit score is before applying for a credit card or a loan. We recommend checking your score with Credit Karma, because they offer a truly free credit score with no hidden fees. Credit Karma also gives you a credit report card and free daily credit monitoring.