Chase Credit Card Phone Numbers by Account Type

Chase publishes different phone numbers depending on what you need help with. The main customer service line for Chase credit cardholders is 1-800-935-9935. This number handles general account questions, billing disputes, lost or stolen cards, and fraud reports.

If you have a specific card product, Chase also maintains dedicated lines. For the Chase Sapphire Preferred and Chase Sapphire Reserve, the number is 1-800-453-9719. For the Chase Freedom Unlimited and Chase Freedom Flex, call 1-800-955-9060. For the Chase Business credit cards, the number is 1-800-955-9060 as well.

These numbers are staffed during business hours, typically Monday through Friday, 8 a.m. to 10 p.m. Eastern time, and Saturday and Sunday, 9 a.m. to 6 p.m. Eastern time. Wait times vary by time of day and season. Calling early in the morning or mid-week usually means shorter holds.

Key Takeaways

  • The general Chase credit card customer service number is 1-800-935-9935 for most account questions and disputes.
  • Chase Sapphire cards have a dedicated line at 1-800-453-9719, separate from other card products.
  • You will need your card number or account number ready when you call, though the automated system can look up your account by Social Security number.
  • Chase also offers 24/7 fraud reporting at 1-800-955-9060 if your card is lost, stolen, or compromised.

What Information to Have Ready Before You Call

Chase's automated system can route your call faster if you have your card number handy. You can also provide your Social Security number and date of birth to verify your identity without the card number present. If you are calling about a specific transaction or dispute, having the date and amount of that charge will speed up the conversation.

If you are calling about a billing question or statement issue, pull up your most recent statement or log into your Chase account online before dialing. Representatives can see your account in real time, but having the details in front of you means you can answer questions without being put on hold while they pull records.

Reaching Chase When Your Card Is Lost or Stolen

If your card is lost or stolen, call 1-800-955-9060 when ready. This line is staffed 24 hours a day, 7 days a week, and your call will be answered by a representative who can deactivate your card within seconds. Do not wait for business hours — fraudulent charges can post within minutes of a card going missing.

After your card is deactivated, the same representative can usually arrange for a replacement to be mailed to you. Standard replacement cards arrive within 7 to 10 business days. If you need the card sooner, ask about expedited shipping options, which may carry a fee.

Automated Services and Self-Service Options

Chase's automated phone system can handle several tasks without connecting you to a representative. You can check your account balance, make a payment, report a lost or stolen card, or hear your recent transactions by following the prompts after you call. The system recognizes voice commands, so you can say "lost card" or "make a payment" instead of pressing numbers.

For many routine questions, logging into your Chase account online or using the Chase mobile app is faster than calling. You can view your statement, dispute a charge, update your address, and set up fraud alerts without waiting on hold. The app also shows your available credit, recent transactions, and rewards balance in real time.

International Calling and Collect Calls

If you are outside the United States, you can still reach Chase customer service, but you will need to call collect or use an international calling plan. The main number to call collect is 1-302-594-8200. This is a Delaware area code and is the billing address for Chase's customer service operations.

Alternatively, if you are traveling internationally, check your Chase account online through a web browser or contact your bank's international customer service line if you have one. Some travel credit cards, like the Sapphire Reserve, include concierge services that can help with account issues while you are abroad.

When Phone Support Is Not the Right Option

For disputes over a charge you do not recognize, you do not have to call. You can file a dispute through your online account or the Chase app by selecting the transaction and choosing "dispute this charge." Chase will send you a form to complete, and you can return it by mail or upload it through your account. This creates a paper trail that can be useful if the dispute goes to arbitration.

For questions about rewards redemption, credit limit increases, or account upgrades, the phone line works, but you may also find answers in your account dashboard or by visiting Chase.com. Some requests, like a credit limit increase, can be submitted online and reviewed without a phone call.

Frequently Asked Questions

Will Chase charge me for calling customer service?

No. Calls to Chase customer service numbers are free if you are calling from a phone plan that includes unlimited calling. If you are calling from a pay-per-minute phone or from outside the United States, your phone carrier may charge you for the call, but Chase does not charge a fee on their end.

How long will I wait on hold?

Wait times vary widely depending on the time of day, day of the week, and current call volume. Early morning calls on weekdays typically have shorter waits than evening or weekend calls. During major events like billing cycles or fraud alerts, all lines may be busier than usual.

Can I schedule a callback instead of waiting on hold?

Some Chase phone lines offer callback options during peak hours. When you call, listen for the option to request a callback, and a representative will call you back within a set timeframe rather than keeping you on hold. This is not available on all lines or at all times.

What if I need to dispute a charge but do not want to call?

You can file a dispute through your Chase account online or in the mobile app without calling. Select the transaction, choose "dispute this charge," and follow the prompts. Chase will send you a form to complete and return by mail or upload. This method creates a written record of your dispute.

Is there a way to reach Chase outside of phone support?

Yes. You can message Chase through the mobile app, contact them through their website's chat feature during business hours, or mail a letter to your card's billing address. The phone number for mailing disputes is on the back of your statement. Online and app-based support may have longer response times than phone support.