How to Apply for the Chemical Bank Dream Mastercard

Applying for a Chemical Bank Dream Mastercard is a process just as dreamy as the card-name would suggest. In my review-run it took a grand total of 5 minutes. I can’t imagine anyone other than pre-existing Chemical Bank customers would be overly interested in this particular credit offering, but I stand here with information for everyone regardless. Applicants will find my extremely professional and informative guide to applying available just below.

Before applying please review the online privacy policy of First Bankcard (FB), the card handling agent for all Chemical Bank offerings.


All applicants must:

  • Be at least eighteen (18) years of age
  • Have a valid US SSN
  • Have a valid US street address

How to Apply

To access the secure application you must navigate to the Chemical Bank card summary page and select the link corresponding to the Dream card (bottom-left).


Step 1- Personal Data

You will be expected to input the following data chronicling your personal identity, financial circumstances, and the like in order to continue with the application:

  • First Name
  • Last Name
  • SSN
  • Date of Birth
  • Mother’s Maiden Name
  • Email Address
  • Full Address
  • Phone Number
  • Years at Address
  • Housing Status
  • Monthly Housing Payment
  • Present Employer
  • Business Phone Number
  • Total Annual Income
  • Bank Accounts Held & Relative Amounts Held in Each


Step 2- Card Options

You now have the opportunity to add authorized users to your account (optional), perform balance transfers from pre-existing credit accounts onto the new card (also optional), and design a custom face for your new card (still optional).



Step 3- Disclosures

Before submitting the application we recommend that all applicants review the terms and conditions. If the terms are acceptable select confirm information and await Chemical Bank’s judgement as to whether or not you are indeed creditworthy.