What credit score do you need for the Chase Sapphire Preferred?
Objectively answered by CardCura | Last Updated: 3/30/2026
You typically need a good to excellent credit score (670+) to be approved for the Chase Sapphire Preferred. A score of 720 or higher gives you the best odds of approval.
More Detail
- Chase considers more than just your credit score. They will also look at your income, existing debt, and overall credit history.
- You must also comply with Chase's '5/24 rule', meaning you cannot have opened five or more personal credit cards across any banks in the last 24 months.
- If your score is borderline (650-670), having a pre-existing banking relationship with Chase may slightly improve your odds.