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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 RequiredExcellent Credit
- Rewards Program2 points per dollar spent on dining & 1 point per dollar spent on all other purchases.
- Signup Bonus10,000 Bonus Points ($100 in rewards)after $500 in purchases during your first 3 months.