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% – 27.99% Min. of (7.00+20.99) and 29.99% variable APR. Approval typically requires a credit score of 700+ or higher. Signup bonus: Earn 3 Free Night Awards after spending $3,000 on eligible purchases within 3 months of account opening; also up to $100 in statement credits after $500 in eligible airline purchases (through 6/30/2027). Rewards: 6X points per $1 at participating Marriott Bonvoy hotels; 3X points per $1 on the first $6,000 spent annually on combined grocery stores, gas stations and dining; 2X points per $1 on all other purchases; up to 17X total points at participating hotels when combined with Marriott Bonvoy membership and Silver Elite status. Cash back: 3X points for every $1 on the first $6,000 spent in combined purchases annually on grocery stores, gas stations, and dining. Earn 2X points for every $1 you spend 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).