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.
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.
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!
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.
Yes, the Chase Freedom Flex℠ is hard to get because it requires at least a good credit score for approval. This means that applicants need a credit score of around 700+ to have decent odds of getting approved for Chase Freedom Flex.
Fewer than five new credit card accounts opened in the past two years
As with any other credit card for good credit, these requirements are not set in stone. It’s possible to get approved with a lower income, for example, as long as other factors in your application make up for it. But meeting or surpassing each of these guidelines will certainly make the Chase Freedom Flex card easier to get.
The main exception to the rule is the Chase Freedom® Student credit card, which is available to students with limited credit or better. Still, the higher your credit score is, the better your Chase credit card approval odds will be.… read full answer
Be sure to check your credit score regularly to assess your chances of meeting the Chase credit card credit score requirements. Chase also has an online pre-approval tool that gives you an indication of how well your credit stacks up without having to formally apply.
You’ll know within seconds if you’re pre-approved for any Chase credit cards. There’s no guarantee you’ll be approved if you apply, but the odds are on your side. Pre-approvals are done using a soft inquiry or “soft pull” on your credit report, which means there’s no effect on your credit score. However, if you decide to actually apply for a card, Chase will perform a hard inquiry, which may cause a slight dip in your credit score.
Chase credit card approval odds are best for people with a credit score of 700+. That means you’ll need at least good credit to be approved. Chase credit card approval odds will also be influenced by the applicants’ annual income and existing debts. Plus, applicants will need to be 18+ years old with a U.S. mailing address and an SSN or ITIN to get a Chase credit card.… read full answer
Credit Requirements for Good Chase Credit Card Approval Odds
While credit scores are very important, Chase credit card approval depends on several other factors as well. For example, applicants need to have enough income to make payments on the card. Chase will also look at your monthly housing costs and existing debts when considering your application.
If you’re already a Chase customer and want to get a better sense of your approval odds before applying for a Chase credit card, you can always check to see if you’re pre-qualified for any offers on the Chase website. Pre-qualifying does not guarantee approval, but it does indicate that you have pretty good odds of getting approved for certain cards, and it won’t affect your credit score.
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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