How do I apply for the Chase Freedom Unlimited card?

You can get the best Chase Freedom Unlimited approval odds if you have a credit score of 700 or better. This means that this card requires at least good credit for high chances of approval. While your credit score is one of the most important factors, there are also various other factors that determine your Chase Freedom Unlimited approval odds.… read full answer

What You Need for Good Chase Freedom Unlimited Approval Odds

• Good credit or better
• Steady income that exceeds your existing financial obligations by a healthy amount
• Low debt compared to income
• Low housing costs compared to income
• S. mailing address
• Age of 18+
• Social Security Number or Individual Taxpayer Identification Number

Keep in mind that many of these are guidelines rather than requirements. For example, you may have a low annual income but no debts and still get approved.

If you want to enhance your application by improving your credit score, WalletHub’s free credit analysis can tell you what steps to take.

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 700 or higher, which means you need good credit or better for good odds of approval. It may be possible to get approved for the Chase Freedom Flex card with a slightly lower credit score if you have a lot of income and little debt, but the higher your credit score is, the better your approval odds will be.… 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.

Key things to know about the Chase Freedom Flex℠ credit score requirements:

• 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.
• Chase Freedom Flex approval depends on income and debt, 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.
• 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.