What credit score does Chase use?

There is no specific credit score requirement mentioned on the website, but Chase has some of the best offers and is considered one of the premium credit card lenders. Most Chase credit cards need a good to excellent FICO® Score (above 670). But any score above 700 is best if you want a credit card with the lowest annual percentage rates (APRs), great cashback, and other rewards.

Experts advise getting a sense of the type of credit card you need based on your purchasing style: do you travel a lot, dine out, make store purchases, or regularly get gas? It is likely that Chase has the right type of credit card for you: Chase Sapphire Preferred® Card, Ink Business Cash® Credit Card, and Chase Sapphire Reserve® are some of their available cards with great benefits.

However, if you mean which credit score you access through the Chase Credit Journey feature, it is the VantageScore® 3.0. VantageScore is the second most widely used credit scoring model by lenders. Chase uses VantageScore based on your Experian® credit report.