Chase Invitation Number | How to Check & Use Your Pre-Selected Offer

Chase Invitation Number : if you received a letter or email from Chase saying “You’re Pre-Approved” or “Exclusive Invitation to Apply,” you likely have one.
Chase Invitation Number : a unique 12-digit code that links you to a pre-selected credit card offer tailored to your profile.
Chase Invitation Number : it can speed up your application, save time, and may unlock special terms or rewards.

In this guide, we’ll explain what a Chase Invitation Number is, how to get it, where to find it on your mailer or email, and how to redeem it. Whether you’re new to credit cards or looking to switch, you’ll learn how to use your pre-screened offer effectively and make the most of the benefits.

• What the Chase Invitation Number means (pre-screening & eligibility)
• Where to locate it in your letter/email
• Step-by-step: checking and redeeming your offer
• How to compare terms (APR, rewards, fees) and maximize value
• Troubleshooting if your number doesn’t work

What Is a Chase Invitation Number?

A Chase Invitation Number is a unique code issued by JPMorgan Chase to consumers who are
pre-approved for a targeted credit card promotion. It’s commonly sent to people whose credit profile aligns with
specific Chase products—such as Chase Freedom Unlimited, Chase Slate Edge, or
Chase Sapphire Preferred.

Receiving an invitation number means Chase believes you’re a good fit for one of their cards. It’s not a guarantee of
approval, but it can improve your odds and streamline the application process.

Where It Comes From

Chase uses credit bureau data and in-house analytics to identify potential customers. If your income, payment history,
and credit report meet their criteria, you may receive an:

• Mail offer: A physical letter sent to your mailing address
• Email invitation: A digital equivalent with a direct link to apply

Why You Received One

Pre-approval offers typically result from a soft credit check—an inquiry that doesn’t affect your credit score. Chase uses this to estimate your eligibility before presenting a tailored offer.

You’re more likely to receive an invitation if:

• You have a solid credit history (often 680+).
• You pay on time and, ideally, in full.
• You keep credit utilization low.
• You haven’t opened several new accounts recently.

Where to Find Your Chase Invitation Number

Finding your invitation number is straightforward once you know where to look.

Usual Locations in the Letter or Email

Mail offer

• At the top or bottom of the letter
• Near a heading like “You’re Pre-Approved!”
• Next to a call-to-action such as “Respond Now”

Email invitation

• Near the “Apply Now” button
• Within the summary of your offer benefits

Number Format

• Is 12 digits (all numeric)
• May appear in groups (e.g., 1234 5678 9012)
• Is unique and cannot be reassigned to someone else

Write it down exactly as you see it—no spaces, extra characters, or misspellings.

Catchphrases to Find

• “You’ve been selected”
• “Pre-approved based on your credit profile”
• “Exclusive invitation to apply”
• “Respond using your Invitation Number”

These phrases signal a personalized, time-sensitive offer.

How to Use Your Chase Invitation Code Online

Step-by-Step Guide

1. Visit the Official Chase Offer Portal:
   chase.com/mycreditcard
2. Enter Your Invitation Number and ZIP Code
   Use the same ZIP code shown on your invitation. Enter the number exactly as printed.
3. Review the Pre-Filled Offer Information
   Confirm welcome bonus, intro APR, eligible card, and any fees before proceeding.
4. Finish the Application
   Provide your full name and birth date, Social Security Number (SSN), employment & income, and housing details (rent/mortgage).
5. Submit the Application
   You may receive an instant decision; otherwise, Chase can take a few days to review and follow up.

What You’ll Need

• Your Invitation Number (from your mailer or email)
• ZIP code that matches your offer
• Basic personal and financial information

What to Expect After You Submit

• Instant approval: Many applicants receive a decision within seconds.
• Additional review: Some applications require manual verification and may take a few days.
• Approval packet: If approved, Chase will mail your card and terms, typically within 7–10 business days.

Chase Pre-Selected Offers Benefits

• Accelerated application process: Pre-screening reduces steps and may skip some standard questions.
• No hard credit pull during lookup: Checking your offer with an invitation number is a soft pull. A hard inquiry occurs only when you submit the full application.
• Better approval odds: Pre-screened applicants often have improved chances because part of the file has already been reviewed.
• Promotional card options: Invitations may target cards like Chase Freedom Unlimited (cash back), Chase Slate Edge (intro APR & balance transfer), or Chase Sapphire Preferred (travel rewards).

Common Issues & How to Fix Them

Code Not Working or Expired

• Re-enter the number exactly as shown (watch for 0 vs O).
• Use the official portal only.
• Check the expiration date on your mailer/email.

Entered the Wrong ZIP Code

The ZIP must match the one on file with the offer. Using a different ZIP can cause an error or rejection.

Not Seeing the Offer After Entering the Code

• Clear your browser cache/cookies.
• Try a different browser or device.
• Contact Chase customer service if the issue persists.

Do Chase Pre-Approvals Help or Hurt Your Credit Score?

Soft Pull vs. Hard Pull

• Soft pull: Used for pre-screening and offer lookups; it does not affect your credit score.
• Hard pull: Occurs when you submit the full application; it may cause a temporary drop (often a few points) before recovering with responsible use.

When Does the Hard Inquiry Happen?

Chase initiates a hard credit check only after you submit your full application. Looking up an offer with an invitation number uses a soft pull and won’t impact your credit score.

How to Check Your Score Before Applying

• Chase Credit Journey — free credit score and monitoring.
• Experian Free Credit Report
• Credit Karma — free scores and reports (Equifax & TransUnion).

What If You Do Not Have an Invitation Code?

Use the Chase Pre-Qualification Tool

Check for pre-approved offers (soft pull; no impact) here:
creditcards.chase.com/check-for-preapproved-offers

Other Application Options

• Visit a Chase branch for in-person assistance.
• Apply via public product pages for specific cards.
• Contact Chase support if you need help choosing or applying.

Best Chase Credit Cards for Pre-Selected Offers

• Chase Freedom Unlimited — simple, unlimited cash back on everyday purchases.
• Chase Slate Edge — low intro APR and balance-transfer friendly.
• Chase Sapphire Preferred — popular travel rewards and bonus points (check current public offer before applying).

Ready to Apply with Your Invitation Number?

Use the official Chase invitation portal:
chase.com/mycreditcard.
Enter your Invitation Number and matching ZIP code, review the offer details, and submit your application.

FAQs: Chase Invitation Number

1) Is a Chase Invitation Number guaranteed approval?

No. It signals you’ve been pre-selected from a soft review, but final approval depends on your full application at submission time.

2) Will entering the Invitation Number hurt my credit score?

Looking up the offer is a soft pull (no impact). A hard inquiry happens only after you submit the full application.

3) I lost the mailer—how can I retrieve my number or proceed?

Check your email for the same offer, contact Chase for assistance, or use pre-qualification to see available offers without the code.

4) The site can’t find my offer—what should I try?

Re-enter the 12 digits exactly, use the same ZIP on your mailer, clear cache/cookies, or try another browser/device. If still failing, contact support.

5) Can someone else use my Invitation Number?

No. It’s unique to you and not transferable. Mismatched details can invalidate the offer.

6) Does the number expire?

Yes—most invitations have a window (often a few weeks). Check the expiration on your mailer/email and apply before it lapses.

7) Can I switch to a different Chase card than the one invited?

Invite terms are tied to a specific product. You can apply for a different card via public pages, but invite-only terms usually don’t carry over.

8) What credit profile is typically competitive for invitations?

Strong on-time payment history, lower utilization, and fewer recent new accounts help. Your overall profile at application time still drives the decision.

9) How long for a decision and card delivery?

Many get an instant decision; manual reviews can take a few days. Physical cards typically arrive in ~7–10 business days.

10) Can I stack my invitation with a public welcome bonus?

Generally, no—offers don’t combine. Compare the invite terms to current public offers and choose the better deal for your situation.