I Just got approved for this card and the Chase SW rapid rewards card both with $13,600 initial credit limits, the application process and approval process literally took seconds. I have seen nothing but rave reviews on these two after researching for two months. My cK scores are TR 688 and EQ 694, i've been working on my scores for the last year. My experian fico score is 701. All were around 550 a year ago. Also, just closed on a $300,000 VA mortgage so it makes me a first time home owner as well. I look forward to using these cards responsibly and fully taking advantage of the rewards they have to offer.
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With just a 590 they approved me!!
They approved me for $5000 with only a 590! Others would not give me that much!
Excellent card
CK had approval odds at fair, decided to apply anyway and was instantly approved for $5100. CK scores were 625 and 629. They sent FICO credit score with my card and it showed 668. Great card, great cl and online application and instant decision were so fast and easy! Highly recommend.
Finally Got It!
If you’re reading this review you’re like me. Doing your research to see if you should apply yet. This card was always the goal when I started my credit journey back in 2014 after I graduated college. Applied for it once before back in 2017 and was denied. Had a Sam’s club mastercard and Chase Slate at the time both with $4,000 limits. Been working on my credit since. Had gotten the Chase Freedom Unlimited with a $6,000. Bought an engagement ring through financing with Kay’s Credit Card and got some experience with an Auto loan also through chase. Well finally the time came that I thought it was time to apply for the Sapphire Card again. It took me about a month of research to decide between the CSP and CSR. I had CK scores of 753/752 and FICO of 744/743/744 and an income of $100,000. I just couldn’t justify spending an extra $2,000 per year just to break even on the CSR so I decided to do the Preferred I figured I could earn the bonus and have no fee the first year. Then i could always upgrade after year one to the CSR. I was pre-approved through my chase app so I went ahead with the app. Since I was a chase member already it didn’t ask me for much other than phone number and salary. I figure this is because they see my history and banking. They pulled TransUnion and Experian. I was approved within 30 seconds with a $12,500 limit. Called to have card expedited.
Good Rewards for Travel
I havent used this card yet, but the rewards bonus and there after seem good. You do have to spend $4000 to get the sign up bonus, which is alot compared to my Delta AMEX cards which only required $1000. However you do get the first year fee waved, which is nice. I got approved with a 670 scredit score.
What’s your CL?
LIFE CHANGER. SUPRSED TO SAY THE LEAST!
IF YOU BEEN ON THE FENCE ABOUT APPLYING FOR THIS CARD DO IT NOW!!! I started with a capitol one card for $300 last year, i had no credit score. A year later with paying my payments on time my credit score is at 667 transuinion, and 677 eqifax. I just applied for thos card today becausey capitol one card only gave me a $200 increase after haviing it for a year, and i wanted a card with a higher credit line. I applied for this card today was instantly approved for a $10,000 credit line. I couldnt believe it blew my mind back and change my life instantly now. I called and ask to speed up the card delivery today like other people did, and they said no problem your card will arrive in 2 business days. Thank GOD.
Congratulations
way to go!!
How much income ?
High credit limit
I applied for this card mainly because I needed something with a high credit limit to help my credit score. I applied with a 716/712 (TransUnion & Equifax) according to Ck. Ck said my approval odds where “good” so I decided to jump the gun and apply. I received an email stating that an answer will be sent to me in 7-10 business days. Then I found that by reading some more reviews that you can call and ask for your application to be processed faster. I told them that I was going on a trip and I needed it quickly. Put me on hold for 5 minutes and I was told I was approved for $7,200$!!! I was shocked on how high the initial limit was. So far I’m happy with the card. The 95$ annual fee does not bother too much. But I highly recommend it if you need a high limit. I know I won’t be spending that much money on a credit card anyways.
Same here. I use CC exclusively and pay off every month but sometimes the reporting agencies happen to catch the high balances and it affects my FICO score due to the balance to limit ratio and above 30% usage (even tho I pay off every month, or majority anyways)
So, applying for this card yesterday and I was approved for a nice 5 figure limit. That should stop my FICO from dropping because I'm sure now my usage will always be way under the 30%.
Thank you Chase Sapphire!
Stellar Card
Application process was instant and SL was great at $29,500. First Chase card I got with under 4 years age on my oldest credit card and AAOL at 2 years. Happy they took a chance with me.
Congrats!! What were your scores when you applied and do you bank with chase? I’m hoping this will be my first card too.
I was approved for $17,500 with a 680 credit score across the board. So far I am very impressed with this card
did you apply through ck or chase directly??
I just applied through CK with the same credit scores and was instantly denied. Starting to wonder how many of the reviews are real. Especially when poor scores are getting high credit limits.
I already have 2 Chase cards and have never been late or missed a payment.
I also applied for this card with a 680 score and it said they needed time to review, which probably means I was also denied. When I get a better credit score can I apply again, do you know?
Kcarrl, Based off other reviews I'd give it a few days from when you applied to get a final decision from chase and if you still don't have an answer try calling the chase reconsideration line maybe they just need to verify some info. You can always apply later with better scores just know that I'll be another hard pull on your credit so that's something to consider.
I applied through Chase app this morning. I have checking, mortgage, Slate, Freedom Unltd and Amazon Prime. 641 score on CK, 680 Experian. After about a minute instantly approved $11,100. Called to expedite and said no problem.
Very happy customer
I applied for this card & wasn't immediately approved, but got an approval letter in the mail soon after. I was approved for a $20,000 credit limit with $65K income, 823 credit score, and no debt. I haven't used any of the perks yet, but all of the promotions where extra points were offered worked seamlessly. Agents were always helpful when I called. After a year I was able to upgrade to the Sapphire Reserve, so I no longer own the card. But the 50K point sign up bonus I recieved, plus the points I racked up over the year were enough to buy a round trip ticket to Morocco plus a hotel stay in Paris and still have some points left. I'm very happy I signed up for this card.
How long was your wait for the approval letter to arrive in the mail? My application is under review right now and I’ve called to see if they can speed up the process of approval but was told they don’t expedite the approval process. I’ve read other reviews with people calling and getting it done so this automatically has me thinking I get declined. I guess I’ll have to wait and see.
Great card with fast approval
I was approved just about a week ago, for over $6000 instantly in about 45 seconds.
The funny part is that CK has my odds as poor. LoL.
My scores are around 680 ish.
The same thing happened to me with another bank that CK is still showing as having a poor chance of being approved.
When you applied for the card, did you do it trough CK and what income number you have submitted and lastly what was your credit / debt ratio?
Thanks