The Chase is a personal credit card from Chase. Application typically pulls a hard report from Experian. The annual fee is $795 annual fee; $195 for each authorized user. The ongoing APR is 19.74% Min. of (7.00+12.74) and 29.99% – 28.24% Min. of (7.00+21.24) and 29.99% variable APR. Approval typically requires a credit score of excellent or higher. Signup bonus: Earn 100,000 points after spending $6,000 in purchases within the first 3 months of account opening. Rewards: 8x points on purchases made through Chase Travel, including The Edit; 4x points on flights booked directly; 4x points on hotels booked directly; 3x points on dining worldwide; 1x points on all other purchases. Cash back: no cash back / no rewards program. 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).