Chase now showing “Already Approved” offers for some

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Doctor of Credit reports that some cardholders are seeing a new kind of “green check mark” offer in their Chase accounts indicating that they are “already approved” for a new credit card. These offers apparently do not bypass 5/24, only match the current public offers, and still result in a hard pull — so they aren’t magical, but it looks like Chase is almost guaranteeing approval for those seeing the “already approved” messaging.

a screenshot of a computer
If you have these offers, you’ll find them under “just for you” in your online login.

According to some comments over at Doctor of Credit, these “You’re already approved” offers have been showing for a while with fixed-APR offers (which is the usual indication that a Chase offer is a true pre-approval rather than a simple advertisement). Previously, some “selected for you” offers had bypassed 5/24, but since these “already approved” offers are not bypassing 5/24 and aren’t offering increased bonuses, they don’t appear to offer any advantage over applying through a friend’s referral link or any other source since you would presumably also be approved through those channels. Still, I guess it’s nice to know you’ll be approved before you apply assuming that nothing has changed before your application.

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