The minimum Chase Freedom credit score is around 680. Chase does not officially disclose a specific credit score needed for approval but instead encourages people with good or excellent credit to apply.
Simply meeting Chase Freedom’s credit score requirement does not guarantee you will be approved for an account. How much income you earn and how much debt you owe will also play a big role in Chase’s decision. The higher your credit score is and the more money you have available for a new line of credit, the higher your Chase Freedom approval odds will be.
You can check to see whether you have a Chase Freedom-worthy credit score for free on WalletHub. And you can learn more about what it takes to get approved below.
Chase Freedom Credit Score Needed and Other Approval Requirements:
Credit Score Needed for Chase Freedom: 680 or so.
Other Key Factors: Income, assets and existing debt obligations.
Pre-Approval: You can check to see if you’re pre-qualified for Chase Freedom for free online without hurting your credit. There’s no risk.
In conclusion, you have a good chance of getting the Chase Freedom Card if your credit score is 680 or higher. And the higher your score is above that, the better your odds will be. But approval is not guaranteed even if you have the kind of credit score needed for Chase Freedom.
Other things matter, too, particularly how much money you have available for monthly bill payments. Chase has to feel comfortable that you can handle the monthly payments on a credit line of at least $500 given all the expenses and obligations you already have on your plate.
Fortunately, you can easily check for Chase Freedom pre-approval prior to submitting an application for real. If you’re pre-approved, you’ll know your chances of getting an actual account are good.