The Chase Sapphire Preferred® Card isn't a credit card for everyone — you'll need to have good to excellent credit to have a chance at getting approved. We recommend having a FICO score of at least 690 before applying for this card. If you need to wait a bit and work on your credit, it's a good idea to do that.

The Chase Sapphire Preferred is considered a moderately difficult card to obtain, typically requiring a "Good" to "Excellent" credit score. In 2026, most successful applicants have a FICO score of 700 or higher, though individuals with scores in the high 600s may still be approved if they have a long-standing relationship with Chase or a very low debt-to-income ratio. Beyond the credit score, the most significant hurdle is the "5/24 Rule": Chase will almost certainly deny your application if you have opened five or more new credit cards from any issuer in the past 24 months. Because this is a "Visa Signature" card, it also carries a minimum credit limit of $5,000, meaning Chase must be confident in your ability to manage at least that much debt. If you have at least a year of credit history and a steady income, your odds are high, but for those with "thin" credit files or a recent history of late payments, it is a harder card to secure than entry-level rewards cards like the Chase Freedom Rise or Freedom Unlimited.