What are the best Chase Freedom Flex benefits?

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

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.

The Chase Freedom Flex credit limit is $500 or more. Everyone who gets approved for Chase Freedom Flex is guaranteed a credit limit of at least $500, and especially creditworthy cardholders could get limits a lot higher than that. There are reports of some customers getting a Chase Freedom Flex credit limit of over $20,000. The higher an applicant’s credit score and income are, the higher their starting credit limit is likely to be.… read full answer

The Chase Freedom Flex credit limit that you start off with isn’t necessarily your limit forever. Chase will routinely evaluate your account to decide whether you deserve a credit limit increase. They will do a harmless soft pull of your credit, and if you meet their standards, they will offer you an increase. Always paying on time and keeping your credit utilization low are key.

You can also ask for a Chase Freedom Flex credit limit increase online or by calling the number on the back of your card. If you ask for an increase, Chase may ask permission to do a hard pull of your credit, which will temporarily lower your credit score. It’s best to only ask for an increase if you’ve paid on time for the last 6 consecutive months and your credit has improved.