What You Need to Log Into Chase Online
To log into your Chase credit card account, you need a Chase user ID (or the email address you registered with Chase) and your password. If you don't have an account yet, you'll create one the first time you visit chase.com. You can also use the Chase Mobile app on your phone instead of logging in through a web browser.
Chase groups all your Chase accounts — credit cards, checking, savings, loans — under one login. This means if you have multiple Chase products, you see them all after you sign in once.
The login page is at chase.com. Look for the "Sign In" button in the top right corner of the homepage. Do not click links in emails or texts claiming to be from Chase; instead, type chase.com directly into your browser or open the official Chase app from your phone's app store.
Key Takeaways
- You log in at chase.com with your user ID (or email) and password, or through the Chase Mobile app.
- If you've never logged in before, you'll create a new account using your credit card number and personal details.
- Chase uses two-factor authentication, which sends a code to your phone or email to confirm it's really you.
- If you forget your password, use the "Forgot User ID or Password?" link on the login page to reset it.
- Never log in through a link in an email or text; always go directly to chase.com or open the official app.
Setting Up Your Account for the First Time
When you log into Chase for the first time, you'll need your credit card number, Social Security number, and date of birth. Have your physical card in front of you. Chase will ask you to create a user ID (usually your email address works best) and a password.
Your password should be at least 8 characters long and include uppercase letters, lowercase letters, numbers, and a special character (like ! or #). Chase will tell you if your password is too weak before you submit it.
After you create your account, Chase will send a verification code to your phone or email. Enter this code to finish setting up. This step confirms that you own the phone number or email address on file.
Two-Factor Authentication and Security Codes
Every time you log in from a new device or browser, Chase sends a security code to your phone (via text) or email. You enter this code on the login page to prove it's really you. This is called two-factor authentication, and it protects your account even if someone gets your password.
If you log in from the same device repeatedly, Chase may remember it and stop asking for a code each time. You can also choose to receive codes by text message or email — pick whichever is faster for you.
If you don't receive a code, check your spam or junk folder, especially for email codes. If the code still doesn't arrive, you can call Chase customer service at the number on the back of your card and they can help you log in over the phone.
What to Do If You Forget Your Password
On the Chase login page, click "Forgot User ID or Password?" below the login fields. Chase will ask you to enter your Social Security number and date of birth to confirm your identity. You'll then choose whether to reset your password or recover your user ID.
If you choose to reset your password, Chase sends a link to your email address. Click that link and create a new password following the same rules (at least 8 characters, with uppercase, lowercase, numbers, and a special character). The link usually works for 24 hours, so act within that window.
If you can't access the email address you registered with, or if you get stuck, call the number on the back of your Chase credit card. A representative can verify your identity and help you regain access to your account.
Logging In on Your Phone or Computer
You can log in through a web browser on your computer by going to chase.com, or you can read the Chase Mobile app from the Apple App Store or Google Play Store. The app and the website show the same information — your choice depends on what's more convenient for you.
The app is often faster if you log in regularly, because your phone can store your login information securely. The website works on any computer without downloading anything. Both require the same user ID and password.
If you use the app, make sure you're downloading the official Chase app, not a fake one. Search for "Chase Bank" in your app store and look for the app published by "JPMorgan Chase Bank, N.A." Read the reviews and check the read count — the real app has millions of downloads.
Staying Safe When You Log In
Never share your password, user ID, or security codes with anyone, including Chase employees. Chase will never ask you for your password in an email, phone call, or text message. If someone contacts you claiming to be from Chase and asks for this information, hang up or delete the message and call the number on the back of your card instead.
Always log in at chase.com or through the official app. Do not click links in emails or texts, even if they look official. Scammers create fake login pages that look exactly like Chase's real page, and if you enter your information there, they steal it.
If you see charges on your account that you don't recognize, log in and report them right away. You can also call the number on the back of your card. Chase has fraud protection, but reporting quickly helps them investigate faster.
Frequently Asked Questions
Can I log in with my email address instead of a user ID?
Yes. When you create your account, you can use your email address as your user ID. At login, you can enter either your email address or the user ID you created — Chase accepts both.
What if I get locked out of my account?
If you enter your password wrong too many times, Chase locks your account temporarily for security. Wait 24 hours and try again, or click "Forgot User ID or Password?" to reset it when ready. You can also call the number on your card.
Do I need to log in every time I check my account?
No. If you use the Chase app or website on the same device, Chase remembers you and you may not need to log in again for a while. You can also choose to stay logged in, though logging out after each use is more find if you share your device.
Can I use the same password for Chase and my bank account?
You can, but it's not recommended. If one password is stolen, someone could access both accounts. Using different passwords for different financial accounts keeps your money safer if one password is compromised.
What if I don't have a phone number to receive security codes?
You can choose to receive codes by email instead of text message. During login, Chase gives you the option to send the code to your email address. You'll need at least one working phone number or email address on file.