The Chase Freedom Flex approval time is up to 7-10 business days for most applicants. Some Chase Freedom Flex applicants may actually get approved instantly after applying online, if they are a clear match for the card’s approval requirements. Chase notifies applicants of their application decision by email or by mail.
If you haven’t heard about your Freedom Flex application status after 10 business days, call Chase customer service at 1-800-432-3117 to inquire. You can also log in to your Chase account to check the status online. Once you’re logged in, click the main menu symbol (three horizontal lines) at the top left of the page. Then, scroll down to the bottom and select “Application status.”
Following approval, applicants can expect to receive the card in the mail after another 7-10 business days. If you need the card sooner, call Chase customer service at the number above and ask for free 2-day expedited shipping as soon as your application is approved.
The Chase Freedom Flex℠ credit score requirement is 700+, or good-to-excellent credit. 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
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:
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, 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.
These aren't all of the easiest Chase cards to get. There are a few others, most of them co-branded with companies like IHG and British Airways. But none of them will do you much good if you have fair, limited or bad credit. If that describes you, consider a Capital One credit card instead.
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