Chase Credit Card — How to apply, fees and who should consider it

The Chase Credit Card is a mobile‑first, no‑frills consumer credit card offered in the UK by Chase (a trading name of J.P. Morgan Europe Limited). The product emphasises simple pricing and app‑led account management rather than tiered loyalty schemes. Key published features include a 0% introductory purchase rate for up to 3 months, no annual fee and no foreign transaction fees.

This card is designed for everyday spending and planned purchases where short‑term interest relief is useful. Statutory purchase protections (Section 75) are available for eligible purchases between £100 and £30,000, and the product integrates with modern digital wallets for contactless and in‑app payments. The current representative APR is 24.9% (variable); your offered rate depends on assessment.

Benefits

The Chase Credit Card sets out a concise feature set focused on cost transparency and mobile convenience. The main published benefits are:

• 0% interest on purchases for up to 3 months (subject to meeting minimum repayments).
• No annual fee for the card.
• No foreign transaction fees charged by Chase on overseas spending.
• App‑first management — account opening, statements and support are delivered primarily via the Chase app.
• Statutory purchase protection (Section 75) on eligible purchases between £100 and £30,000.

Prerequisites

The issuer provides specific, non-negotiable requirements for applying for the Chase Credit Card.

• Mandatory Current Account: Applicants must already hold an active Chase UK current account before applying.
• Clean Financial History: Applicants must be free of bankruptcies, County Court Judgements (CCJs), and Individual Voluntary Agreements (IVAs) for the last 6 years.
• Credit and Affordability Checks: All applicants must pass Chase’s internal creditworthiness and affordability checks.
• Balance and Money Transfers: Please note that Balance Transfers and Money Transfers are not offered on this product (as stated in the Summary Box).

Note: Chase confirms that checking your eligibility via the app will not impact your credit score. A full credit check is only performed if you proceed with the application.

Who is this card for?

This card is targeted at people who want a straightforward, app‑centric credit product without an annual charge and who are likely to make planned purchases that can benefit from an introductory 0% purchase rate. It suits travellers or those who spend overseas and prefer not to incur foreign exchange mark‑ups, as well as smartphone‑centric users who value in‑app account controls and quick, digital customer support.

Eligible customers can receive 2% cashback on qualifying UK everyday spending, up to £20 a month across debit and credit cards together. Eligible categories include groceries, eating out, everyday transport, fuel and public EV charging. Chase current and saver accounts are required; qualification rules and exclusions apply. Check the cashback status in your app before relying on a reward.

What rewards and programmes does the card offer?

Eligible customers can receive 2% cashback on qualifying UK everyday spending, up to £20 a month across debit and credit cards together. Eligible categories include groceries, eating out, everyday transport, fuel and public EV charging. Chase current and saver accounts are required; qualification rules and exclusions apply. Check the cashback status in your app before relying on a reward.

Initial credit limit

The issuer publishes a minimum credit limit and gives limited context about typical credit lines. Where definitive values are available they are listed; where they are not, the issuer’s silence is noted.

• Minimum credit limit: £500
• Initial credit limit: Not disclosed by issuer
• Maximum credit limit: Not disclosed by issuer 

Note: Many banks determine initial and maximum credit limits by assessing an applicant’s credit history, income, existing liabilities and affordability checks using credit reference agencies. Where a specific numeric initial limit or maximum is not published, decisions are made on a case‑by‑case basis and the issuer may state only a minimum or a representative example.

Step by step to apply for the card

Below is a practical outline of the application process based on the card’s app‑first model and the issuer’s online documentation. Where an explicit step was not published, routine digital application steps are described generically.

1. Open the Chase app or visit the Chase product page for the Chase Credit Card.
2. Begin an application in the app or via the product page and follow the digital prompts to submit identity details and contact information.
3. Provide financial information requested during application (for example income and address history) — the issuer’s public materials do not specify precise income thresholds.
4. Consent to credit reference agency checks; the issuer uses credit reference data (the Chase site also displays a credit monitoring feature in partnership with TransUnion).
5. Await an eligibility decision within the app; underwriting and the credit limit offered are determined by Chase and depend on individual circumstances.
6. If approved, the card will be issued; card management, statements and support are handled through the Chase app.

TAP TO ACCESS THE CARD PAGE

Download the app

For an app‑first application experience you can download the Chase app on mobile devices:

DOWNLOAD FOR ANDROID

DOWNLOAD FOR IOS

Card’s pros and cons

Below is a balanced view based on the issuer’s public disclosures.

Pros

• No annual fee — the card’s published annual fee is £0.
• 0% introductory purchase rate for up to 3 months — useful for planned larger purchases if minimum payments are met.
• No foreign transaction fees — the issuer states it does not charge fees on overseas spending.
• Mobile‑first product design — account opening, controls and support are app‑based for convenience.
• Statutory Section 75 protection for eligible purchases between £100 and £30,000.

Cons

• Cashback is conditional: qualifying accounts and eligible spending are required, with a shared monthly cap. Interest can exceed the value of rewards.
• Representative APR is 24.9% (variable) for purchases outside the 0% introductory period.
• Balance transfers and money transfers are not offered on this product — customers who want a balance transfer facility should note this limitation.
• Several typical eligibility and fee details (for example minimum age, income requirement and returned payment fee) are not published in the issuer’s product materials.

Fees and tariffs

The issuer discloses a small set of key fees and rates. All figures below are taken from the product summary and credit agreement published by the issuer.

Customer service

For help with applications, account setup or ongoing card queries, Chase publishes the following contact options and support details:

• Phone (within the UK): 0800 376 3333
• Phone (from abroad): +44 203 493 0829
• Support hours (mobile in‑app services): 24 hours; phone support is published as 8 am–8 pm for some services.
• Product page and legal documents (including the credit agreement and summary box) are available on Chase’s website; the dedicated product page is: Chase Credit Card product page.

Important legal and practical notes

• The card is issued by J.P. Morgan Europe Limited trading as Chase and is regulated by the UK authorities; the issuer confirms the usual UK statutory protections where applicable.
• The issuer reports to TransUnion (a UK credit reference agency) for credit‑related activity.
• Representative APR disclosures and product features are taken from the issuer’s published summary box and credit agreement dated in the issuer’s documentation; specific offers, rates and fees can change and are subject to the issuer’s underwriting and terms.

This information is provided for educational purposes and is not specific financial advice. Credit card terms and promotions can change; always review the issuer’s current product pages, summary box and credit agreement before applying. Use credit responsibly — consider whether you can repay balances in full to avoid interest charges.