The Chase is a personal credit card from Chase. Application typically pulls a hard report from Experian. The annual fee is $99 applied to first billing statement.. The ongoing APR is 19.49% Min. of (7.00+12.49) and 29.99% – 27.99% Min. of (7.00+20.99) and 29.99% variable APR. Approval typically requires a credit score of 670 or higher. Signup bonus: Earn 50,000 bonus points after you spend $1,000 on purchases in the first 3 months from account opening. Rewards: 2X points on Southwest Airlines purchases; 2X points on gas station and grocery store purchases up to $5,000 combined per anniversary year, then 1X; 1X points 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).