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 7-10 business days to get a credit card from Chase once your application has been approved. But you can get it in 1-2 business days if you ask for expedited delivery, at no extra cost. It’s also worth noting that you may receive a decision instantly after approval, however it can sometimes take up to 30 days to receive a response.… 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.

Chase Credit Card Approval and Delivery Timeframe

• 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: You may get an instant decision when you apply for a Chase credit card. However, it can take up to 30 days for Chase to make a ruling in some cases. You can check the status of your Chase credit card application over the phone at (888) 338-2586.
• 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 by applying online and requesting expedited delivery. You can also call Chase for free expedited delivery once approved.

The Chase Freedom Flex credit score requirement is 700+. This means that you need at least good credit to get 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.

Chase Freedom Flex Credit Score Requirements: Key Takeaways

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.

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.