Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!


Posted in Credit Cards
Profile Image

Question By

0 Contributions
0 People Helped
Advice for getting approved for Chase Sapphire?
I have some questions for SD'er credit card experts if anyone can help me out:

I have been in the United States for 9 months on a work visa and am trying to eventually get a Chase Sapphire card. I got rejected on my first & second attempt because I don't have enough trade. I am wondering if a Chase Freedom Unlimited card is any easier to get approved for? I don't want to keep applying for cards and getting rejected, that might negatively effect my score in the future.

I have one american credit card that doesn't really have any good benefits and good credit (~720 credit score) but only been building credit for ~8 months. Is there any other good cards with good rewards/benefits that I should look into that I can get approved for? My understanding is I need more credit cards to build "trade" so I can eventually get a Chase Sapphire card but at the same time I don't want to open too many credit cards because I heard Chase is more likely to reject your application if you open too many credit cards.

Credit Karma recommends the following as "Very Good" chances of getting approved:
Citi® Double Cash Card
BankAmericard Cash Rewards™ Credit Card
Blue Cash Everyday® Card from American Express
Barclaycard Arrival Plus™ World Elite MasterCard®

Any insight or advice would be great, thanks!

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

All Responses

Results 1-3 of 3Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
269 Contributions
111 People Helped

The Capital One Quicksilver (not Quicksilver One) is a very good card--1.5% cash back on every purchase, and you can redeem your rewards dollars throughout the month in whatever increments you want (you don't have to wait until you have at least $25 like you do with some cards).  I was approved for a $10K limit with very few other trade lines and a short history, but low utilization and perfect payment history. This was shortly after being rejected for the Chase Freedom. About six months after getting the Quicksilver I was finally approved for Chase Freedom, and I was pre-qualified for the Sapphire as well. Sounds like your score isn't the problem (mine was 690 when I got the Chase), but rather the short history and limited number of open trade lines.

Top Contributor
5023 Contributions
1105 People Helped

Slow down. You are not going to get top of the line cards with only 8 months of credit history. You will have to put this off for quite a while. Get yourself another basic credit card from Capital One and in 6 months or so try to step up to the next level. It takes time, Chase Sapphire will take a while. Employment and length of time with current employer can play a role in approvals as well. Take your time and do some thorough reading and remember that you cannot start at the top.

Top Contributor
752 Contributions
293 People Helped

I agree with TryingToUnderstand's advice.

Also be aware since this website uses a different scoring syste, one can be offered cards and loans which people won't actually qualify for. If you're set on trying to obtain the Chase Sapphire Preferred or any Chase card ; you can go directly to the Chase website and look for pre-qualification offers.  You'll be asked for your name, address, and the last four numbers of your social security number. It will be a soft inquiry.  You can also type in a search engine; Chase credit card prequalification.  You will then need to fill out an actual application which will result in a hard inquiry.

I started with the old Chase Freedom, and when my credit score was higher, had made all payments on time, and kept my utilization down - I was finally approved for more of their cards.

Results 1-3 of 3Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.


Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.