How do I apply for the Chase Freedom Unlimited card?

For the best Chase Freedom Unlimited approval odds, applicants need at least good credit (a score of 700 or higher for the best chances) and a steady income that exceeds their existing financial obligations by a healthy amount. Odds of approval also depend on other factors, including your employment status, outstanding debt, monthly housing payment amount and more.… read full answer

Before you apply, you can gauge your Chase Freedom Unlimited approval odds through the Chase online pre-approval tool. Checking for pre-approval will not hurt your credit score. Once you submit the online pre-approval form, you should know immediately what your chances are of being approved for Chase Freedom Unlimited. You may see additional Chase cards with high odds of approval, too, based on the information you submitted on the online form.

Remember that just because you’re pre-approved does not mean you’ve applied for an account or that you’re guaranteed to get one should you apply. If you submit an application, Chase will request a full review of your credit report. This ”hard pull” will lead to a slight, but temporary, drop in your credit score.

It takes 7-20 business days to get a credit card from Chase, from the time you apply to when you get your Chase card in the mail. It can take up to 10 business days to receive an application decision, though it’s possible you’ll be approved instantly if you apply online. And it usually takes 7-10 business days to get a Chase credit card in the mail after approval. But you can get it in 1-2 business days if you ask for expedited delivery. It’s free.… read full answer

Getting a replacement credit card from Chase takes 3-5 business days, in most cases. But, again, you can ask for free expedited delivery and get your card in 1-2 business days.

Here’s how long it takes to get a credit card from Chase:

• New Credit Card: 7-10 business days after approval (1-2 business days expedited for free).
• Replacement Credit Card: 3-5 business days (1-2 business days expedited for free).
• Online Approval: Instant approval is possible when you apply for a Chase credit card online. Otherwise, you’ll get a decision within 7-10 business days. You can check the status of your Chase credit card application online, too.
  
• Mailed Applications: You’ll get a decision within 7-10 business days of Chase receiving your application.

Chase’s credit card approval and delivery timeframes are pretty standard. The fastest way to get a Chase credit card in your hands is to apply online.

Consider checking your credit score and using Chase’s pre-qualification tool to make sure you have good approval odds. You can also call Chase for free expedited delivery once approved.

The Chase Freedom Flex℠ credit score requirement is “good” or “excellent”. So, you can think of 700 as the minimum credit score needed for this card. While many people think good credit starts at 660, we strongly recommend using 700 as your baseline because this is roughly where your Chase Freedom Flex℠ approval odds will turn positive. We’ve seen plenty of people get rejected for similar cards with scores in the high 600s.… read full answer

If you’re unsure of where you stand, you can check your latest credit score for free on WalletHub, the only site where credit scores and reports update daily.

It’s also important to note that just having a high credit score isn’t necessarily enough to get you approved, and it’s still possible to be approved with lower credit scores. It all depends on Chase’s evaluation of your entire credit situation. A multitude of different factors go into your approval or rejection.

Here’s what you should know about Chase Freedom Flex℠'s credit score requirement:

1. A good credit score of 700+ gives good approval odds. Around 43% of people have credit scores of 700+ and if you’re not one of them, taking a few months to improve your credit could be the difference between being approved and rejected.
2. Chase Freedom Flex℠ approval depends on income, too. The more money you have at your disposal, the more you can afford to put toward paying off credit card bills. But debt hurts your chances. If too much of your money is already earmarked for other debt obligations, your odds of getting approved for Chase Freedom Flex℠ will be lower.
3. Don’t rely on anecdotal evidence. Even if someone reports getting approved for Chase Freedom Flex℠ with a credit score under 700, it doesn't mean you will get the same treatment. It depends on your overall credit profile, including income, credit score, and credit utilization.