My first card was freedom without any credit history (AU ect). Chase takes personal history with they'll into account. The credit limit was a joke. I had a checking account with them for years (high school checking) and a custodial savings. (It could be that the fact that a high school checkings is technically a joint account with the guardian helped link our accounts, thereby helping with approval.) I think 22,500 UR points is a nice way to start for a first card.