The Chase is a personal credit card from Chase. Application typically pulls a hard report from Experian. The annual fee is $150. The ongoing APR is Min. of (7.00+12.49) and 29.99% – Min. of (7.00+20.99) and 29.99% variable APR. Approval typically requires a credit score of at least 670 or higher. Signup bonus: 180,000 bonus points after $3,000 in purchases in the first 3 months from account opening; plus 10,000 bonus points after adding an authorized user within the first 3 months. Rewards: 10X points per $1 at IHG hotels participating in IHG One Rewards; 5X points on flights booked directly with airlines, car rentals, dining, grocery stores and gas stations; 3X 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).