The Chase is a personal credit card from Chase. Application typically pulls a hard report from Experian. The annual fee is $195. The ongoing APR is 19.99% Min. of (7.00+12.99) and 29.99% – 28.49% Min. of (7.00+21.49) and 29.99% variable APR. Approval typically requires a credit score of at least 670 or higher. Signup bonus: Earn a $200 strikethrough $250 Bonus after you spend $500 on purchases in the first 3 months from account opening.. Rewards: 5X on purchases made directly with Air Canada (3X plus an extra 2X for Aeroplan 25K members); 3X on travel purchases; 3X on grocery stores and dining through December 31, 2026, then 2X; 2X on gas stations; 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).