The Chase is a personal credit card from Chase. Application typically pulls a hard report from Experian. The annual fee is $95. The ongoing APR is 19.49% Min. of (7.00+12.49) and 29.99% – 27.74% Min. of (7.00+20.74) and 29.99% variable APR. Approval typically requires a credit score of at least 670 or higher. Signup bonus: Earn 75,000 points after spending $5,000 in purchases in the first 3 months from account opening. Rewards: 5x points on travel purchased through Chase Travel; 3x on dining; 3x on gas stations, EV charging and vacation homes at top brands; 3x on top streaming services and online grocery (exclusions apply); 2x on other travel; 1x on all other purchases. Cash back: 3X on dining, 2X on travel, 1X on all other purchases. This product reports activity to your personal credit report. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Chase 5/24: Chase will not approve any new card application — personal or business — if you have opened 5 or more credit cards from any issuer in the past 24 months. Business cards from Chase, Amex, and Capital One generally do NOT count toward the 5/24 total because they don't report to personal bureaus.. Bureau pull varies by state (see details). | EXPERT REFERENCE (Sep 2025): Pre-approvals turning into denials and limits not increasing. | EXPERT REFERENCE (Sep 2025): Account shutdowns despite spotless records.