In this guide, I will provide you with a step-by-step method for How to get a Chase student credit card in 2022. Let’s get started. Chase allows you to have up to 4 Chase credit cards simultaneously. You can have both personal and business cards simultaneously. Still, the accounts are considered different by the credit scoring system, so the excellent score from one doesn’t apply to the other. You need to wait 24 months between opening personal and business credit cards (personal and business charge cards don’t count).
For new college students, it can be hard to immediately access all of the credit they’ve earned while they were in school. Applying for a credit card when you go to college is the right way to jumpstart building up your credit. Working with a student credit card that isn’t going to report to your parents’ credit history will free you to learn how to use credit cards responsibly.
All You Need to Know About Chase Student Credit Card
Chase student credit card is a credit card offered by JPMorgan Chase & Co. to colleges and universities in the United States. It is available for students at least 18 years old with a valid Social Security Number and email address. Chase student credit card is designed to help students build their credit history, manage their finances, and meet their daily needs. Chase student credit card comes with no annual fee and 0% introductory APR on purchases and balance transfers for six months.
You get 1% cashback rewards on all purchases, 2% at grocery stores or wholesale clubs up to $1,500 each quarter, 3% on gas purchases up to $1,000 each quarter, 5% on travel purchased through Chase Ultimate Rewards, and 10% on Lyft rides through March 2022. The cashback rewards you earn will be automatically applied as payment towards your balance each month until your balance is paid off in full. It would be best if you were at least 18 years old to get a Chase student credit card. Some cards will accept applicants at least 16, but they’ll need a parent or guardian as a co-signer.
If you’re under 21, you may not have enough credit history to qualify for a Chase student credit card on your own. In that case, Chase may ask for parental income and employment information. Chase Bank offers Chase student credit cards. It is available to students who have an SSN and proof of school enrollment. It has no annual fee, and you can earn $20 per year when you have at least $500 in purchases in the first 3 months from account opening. Also, new card members get 20% off Uber Eats orders when you pay with your card (up to $5 off each of your first 5 orders).
Opening a Chase student account is as easy as walking into any branch and asking to open an account. There are no special requirements for opening an account with Chase, and opening an account will not affect your ability to get a student credit card in the future. You can open a Chase checking account online or in person at any branch location. You can also apply for a savings account online or in person at any branch location. Chase offers the following account options geared toward students:
Chase College Checking
Chase College Checking℠ gives students under the age of 24 an opportunity to enjoy a free checking account and many other benefits for up to five years. The account has no monthly service fee, and there’s no minimum balance requirement. Students will also receive a debit card with Chase College Checking℠ that can make purchases or withdraw cash from Chase ATMs free of charge. If you have to use an out-of-network ATM, Chase will reimburse ATM fees charged by other banks.
Chase College Checking℠ includes access to Zelle® so that students can send money to friends and family quickly and easily. This account is also eligible for the Chase Total Checking® Bonus offer. You can have the fee waived if you meet at least one of these conditions:
- Receive direct deposits totaling $500 or more each month
- Maintain a $5,000 average daily balance in your checking account (or an average daily combined balance of that amount across your Chase accounts)
- Have automatic payments set up from your Chase checking account for your Chase mortgage or another loan
How to Get Chase Student Credit Card
Chase student credit card is one of the best choices for college students, which offers many benefits. It’s one of the best cards you can use, and it has many benefits to help you get started in your financial life. Here is his to get Chase Student Credit Card.
- Visit the Chase bank website.
- On the homepage, click on Apply Now or Student Freedom Card. You will be taken to a new page where you must fill out an online application form.
- On the online application form you are presented with, enter your SSN, First name, Middle name (optional), Last name, and Date of birth. Then choose your country of residence, enter your address and city, select your state, and enter your ZIP code.
- Click on Next to continue with the application process.
Chase offers several student cards to fit the specific needs of young people. Chase offers student credit cards with no annual fees, low-interest rates, and rewards programs. Chase also has a student checking account with no monthly fee that benefits college students. Comparing Chase student credit card options will help you decide which one is best for you.
Best Chase Student Credit Cards of 2021
Chase is one of the most popular financial institutions in the United States. Chase is a good option for college students who want to bank on campus with an ever-growing network of ATMs and branches. Chase has several options for student accounts designed to help them manage their money and build credit histories. Here’s what you need to know about Chase student accounts.
Chase student credit cards are a great way to start building credit history, earn rewards and get access to several other benefits. Chase Bank issues various student credit cards that you can choose from based on your spending habits and rewards preferences. The following credit cards are currently available for students:
1. Chase Freedom Unlimited® Student
The Chase Freedom Student Credit Card is an excellent option for students starting to build their credit history. The main benefit of this card is that it has no annual fee, which means you won’t be hit with a hefty bill every year to keep your account open. It also has a 0% intro APR on purchases for the first 15 months after opening, so if you do need to carry a balance for any reason, there won’t be any interest added on top of what you owe. Another benefit to having this card is that it comes with 1% cashback on all purchases, which can add up over time!
If you’re looking for ways to save money while still paying down debt or building up an emergency fund, then using this card might be exactly what you need. Furthermore, it offers 5 percent cashback rewards at restaurants nationwide when spending more than $500 per month (capped at $100 each quarter) plus another 2 percent back from select retailers.
2. Chase Freedom Flex℠ Student
Consider applying for the Chase Freedom Flex if you’re looking for a credit card that offers solid cashback rewards and doesn’t require an annual fee℠. It earns 5% cashback on up to $1,500 spent in combined purchases each quarter at bonus categories that change each quarter (then 1%), 5% cashback on travel purchased through Chase, 3% cash back at restaurants and drugstores, and 1% cashback on all other purchases. You’ll also earn five points per $1 spent when you pay with your phone using Google Pay® or Apple Pay®.
The Chase Freedom Flex℠ offers $200 cashback after spending $500 during the first three months. You earn 5% cashback on up to $1,500 in combined purchases in bonus categories each quarter you activate. Rewards don’t expire for the life of the account, and there’s no minimum to redeem. Credit card issuers offer student credit cards to young people who don’t have a long credit history and don’t have a lot of income or savings. In general, these cards offer low limits and limit the rewards they payout in terms of points or cashback. Because of this, many students eventually graduate from these cards.
3. Chase Freedom® Student
The Chase Freedom Student is an excellent example of the type of student credit card that most banks offer — rewards, but not many of them. Students can earn cashback, but there are better options out there. The Discover it Student card offers better rewards, especially if you’re still in college. Discover will match whatever rewards you’ve earned at the end of your first year as a cardholder. The Chase Freedom Student does not have this perk. The Chase Freedom Student is an excellent no-annual fee card with a $20 bonus after your first purchase. The card also offers a solid 5% cashback on rotating categories – up to $1,500 in combined purchases each quarter.
Plus, you’ll get 1% cashback on all other purchases. Although the Chase Freedom Student Card has no annual fee and no foreign transaction fees, it doesn’t offer many benefits or rewards. You’d be better off getting a standard Chase Freedom card than this version just for students. Chase offers some of the best credit cards for students. You can earn rewards, cash back, and even sign-up bonuses. Some Chase cards offer 0% introductory APR on purchases, as well.
4. Chase Sapphire Preferred® Student
The Chase Freedom Unlimited Student Card offers unlimited 1.5% cashback on all purchases. This card also comes with a $20 bonus after your first purchase plus 0% introductory APR for 15 months on purchases and balance transfers (then 16.49%-25.24%). Chase offers a few different student credit cards, so it’s essential to know which one you’re looking at. However, if you’re looking for a student credit card with travel benefits or something to build up miles before you graduate, then check out the Chase Sapphire Preferred Student Card. This is an excellent choice for students who want to travel when they graduate (or even before).
5. Chase Sapphire Reserve® Student
Chase has a long history of helping students get their first credit cards. Chase also offers the Chase Sapphire Reserve® Card for college students who are 18 and older. This card is intended for people with good to excellent credit, which can be challenging for a student to come by. Chase does offer a few other options, but they require a co-signer or that you have a job. In the end, there are ways to get around this requirement if you’re willing to work hard to improve your credit score, but getting a Chase student credit card is going to be more complicated than it is with some other banks.
Chase Freedom Student Card vs Bank of America Cash Reward for Students Credit Card
Bank of America Cash Rewards for Students credit card
The Bank of America Cash Rewards for Students credit card offers a $200 bonus if you spend $1,000 in the first 90 days. You also get 3% cash back on the category you choose from a list that includes gas stations, online shopping, dining, travel, drugstores, and home improvement/furnishings. Plus, you get 2% cashback at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and 1% unlimited cash back on other purchases.
Chase Freedom Student credit card
The Chase Freedom Student credit card offers 5% cashback in rotating categories on up to $1,500 in combined purchases when you activate. You also get unlimited 1% cashback on all other purchases. All rewards are earned as points redeemed for cash or gift cards. Currently, the categories are Amazon Prime membership services, grocery stores and wholesale clubs (excluding Target and Walmart), restaurants, and PayPal purchases.
Benefits of Chase Student Credit Card
There are several benefits of a Chase student credit card. First, it is designed for students with limited credit history and a low income. There is less risk involved in using this type of credit card. Second, the interest rate charged on balance is usually lower than other cards, making it easier for students to pay off the balance over time. Finally, there are no annual fees associated with this credit card type.
Disadvantages of Chase Student Credit Card
There are some disadvantages to a Chase student credit card as well. One of these disadvantages is that the application process can take longer than with other types of cards. Also, some people do not like that their name and Social Security number are displayed on their monthly statements. Finally, there may be an annual fee or other charges associated with using this type of credit card.
Chase student Credit Terms and Conditions
If you’re a college student, you may have received an offer from Chase for one of their student credit cards. It’s essential to read the terms and conditions carefully so you get the most out of your card. Here are some key things to look out for:
- Grace period – The grace period is the time between when you make a purchase and when you will be charged interest. Most credit cards give you at least 20 days before interest is charged, but check your offer to be sure.
- Annual fee – Some cards charge a yearly fee, often waived the first year. Check your offer to determine if there will be an annual fee after the first year and how much it will cost.
- Interest rate – Your interest rate determines how much interest you’ll have to pay on purchases that aren’t paid off in full each month.
- Fixed APR – You should also know what type of APR (annual percentage rate) applies to your account so that you can compare it to other cards. A fixed APR won’t change unless there’s a significant life event like bankruptcy or divorce. This is a good option if you want to know exactly how much interest you’ll earn.
Chase is a great credit card with many benefits, and it’s the best option, in my opinion. If you have no credit history, it will be hard to get a credit card. That’s why I would recommend getting Chase first. If you got a chase credit card, you could apply for any other cards and more easily get chase freedom. If you want to get a Chase student credit card or a Chase student account, you must make sure that you do not have an existing credit card and Chase account. This means there can be no activity on the account, no balances, and no historical transactions with Chase. Only then will you become eligible.
Frequently Asked Questions
What Is A Chase Student Account?
Chase banks have various accounts for students to manage their money more efficiently and cheaply than ordinary adults. These accounts are easy to operate and accessible anywhere globally as long as there is an internet connection. Some of the most common Chase accounts available for students include:
- Chase College Checking℠
- Chase Total Checking®
- Chase SavingsSM
What are the criteria to get a student credit card?
The criteria for any student credit card are:
- The students should be 18 years old or more than that.
- They should have an income of $1000 or more per month.
Can I get a Chase student credit card?
You can apply for a Chase Student Credit Card if you are a permanent resident of the United States of America, Canada, or any other country. Still, you must be enrolled in a university recognized by the Ministry of Education of the United States of America or the Ministry of Education in your country.
How to get a Chase student account?
You can get a chase student account if you are a registered student in any university recognized by the Ministry of Education. You need to provide your national ID proof, which mentions your date of birth and address, as well as your signature along with photo identification proof.
How can I get a Chase student credit card?
You can apply for a Chase Student Credit Card online or call Chase at 1-800-270-7760.
How to get a Chase student account?
There are two ways to open an account as a college student:
- You can open a student checking account online from your local branch.
- You can visit your local branch and apply for a student checking account in person.
How do I get a Chase student credit card?
To apply for a Chase student credit card, you need to be over 18 years old or older and have a college ID. You can also provide your high school diploma or other proof of your current college enrollment. The documents you’ll need to apply for most Chase cards include:
- Proof of income (pay stub, W-2, etc.)
- Proof of identity (driver’s license, state-issued ID card, passport)
- Social security number (SSN)
If you don’t have all of these documents handy when applying for a Chase credit card, you won’t be able to complete the application process online. You can still apply by mail and send all the required documents in an envelope with the application. You can find the address on the back of the application form.
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