Chase Credit Cards for Bad Credit
If you are looking for Chase credit cards for bad credit, Chase does not currently offer a credit card specifically designed for people with bad credit. Chase also does not offer secured credit cards. However, Chase does offer the Chase Freedom Rise®, an unsecured starter credit card designed for people who are new to credit and want to establish a credit history. Freedom Rise has a $0 annual fee, earns 1.5% cash back on purchases, and Chase says having at least $250 in a Chase checking or savings account can increase your chances of approval.
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Does Chase Have a Credit Card for Bad Credit?
No. Chase does not currently offer a credit card specifically designed for people with bad credit. However, it does offer the Chase Freedom Rise®, an unsecured starter credit card designed for people who are new to credit and want to establish a credit history.
Freedom Rise is also an unsecured credit card, so it does not require a security deposit. Chase says cardmembers may be evaluated for a credit-limit increase in as little as six months, and eligible cardmembers are automatically evaluated each year for an upgrade to the Chase Freedom Unlimited® card.
If you are specifically looking for a Chase card because you have bad credit, you should understand the distinction between being new to credit and having a history of damaged credit. Freedom Rise is designed primarily for people who are starting to establish credit, rather than being a card specifically intended for applicants with bad credit.
Looking for a Bad Credit Card From a Major Bank?
If you specifically want a credit card for bad credit from a major bank, Capital One does offer secured credit cards for people building or rebuilding their credit. Its Capital One Platinum Secured and Capital One Quicksilver Secured cards both require a refundable security deposit, but they provide an option for someone who wants a card from a major bank and is willing to put down a deposit.
You can learn more about these cards, including their deposit requirements and features, in our Capital One Credit Cards for Bad Credit review.
Looking for a Credit Card for Bad Credit With No Deposit?
If you have bad credit and are specifically looking for an unsecured credit card that does not require a security deposit, there are other options to consider. See our Bad Credit Credit Cards With No Deposit page to see five unsecured credit card options that do not require a security deposit.
Best Pre-Approved Credit Cards for Bad Credit
If you are looking for a pre-approved credit card for bad credit, we have also selected two cards that we believe stand out from many of the other options available to people with bad credit. You can see them on our Best Pre-Approved Credit Cards for Bad Credit page.
We selected these two cards based on our more than 25 years of experience reviewing credit cards, including their fees, features, pre-approval options, and overall account structure.
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FICO® Credit Scores
A FICO® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.
What is a Credit Score?
A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.
Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.
FICO® Credit Score Facts
- Three-Digit Number: Summarizes your credit risk.
- Range: 300–850; higher scores = lower risk.
- Data Source: Uses your credit reports from Experian, Equifax, and TransUnion.
- Industry Standard: Lenders rely on FICO for mortgages, auto loans, and credit cards.
Note: Credit scores reflect your creditworthiness but do not guarantee approval for any credit product.
Security Notice: All participating issuers use secure application systems protected by Transport Layer Security (TLS) encryption to help protect your information.
*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
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