What is the Chase Freedom Flex credit score requirement?

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.

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.

Your Chase Freedom Flex℠ approval odds are best with a minimum of good credit and a steady income. You must demonstrate an ability to handle at least a $500 credit limit and make the minimum payment due each month. Chase will also look at other factors such as existing debt, the number of cards recently opened, and recent credit inquiries. If you’ve opened or applied for a lot of credit accounts in the past year or two, Chase may see you as desperate for credit and could be less likely to approve you.

When you apply for the Chase Freedom Flex℠ card, Chase will request permission to review a copy of your credit report. This is a hard inquiry which will reduce your credit score by a few points. Any derogatory marks on your credit report such as tax liens or court judgments against you will greatly damage your approval odds.

I got rejected with 740, so I'd say more than that!

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.

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?