WalletHub, Financial Company
@WalletHub
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.
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
- 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.
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.

Chase Freedom Flex℠
Jonelle Geathers, Member
@jonelleg
I just applied for this card today and got approved with WalletHub calls "Fair" credit so I don't think it's always black and white. I already had 2 other cards with only about 6 months history (Capital One Quicksilver Cash Rewards Credit Card and TJX Credit Card). Just be responsible with your usage and keep utilization low and you could get approved like I did!
Cool Down, Member
@cooldown
When I got my card, my score was around 640, I had a closed store card with about 4,000 on it, a house loan, and another store card with 1,200. I don't think their acceptance is quite as limited as stated here.
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Mar Chuan, Member
@basilisk
Immediate decline. Score was 708. I only have 1 CC which started reporting 9 months ago and have had 0% utilization ever since. That is my only item on the credit report. The Chase hard inquiry had dropped my score 6 points to 702. Should I call for Recon?
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I got pre-approved with a 600-620 credit score but have all of my savings and checking and direct deposit with them for a 1500 line. My score has gone up since then but at the time my score was low due to an ongoing identity issue. I have 6 other cards all carrying 0-100 balances with a prior chase freedom unlimited.