How does Chase Freedom Flex pre-approval work?

You can easily check your Chase credit card pre-approval status online. The tool on Chase’s website will tell you which, if any, Chase credit card you’re pre-approved for. And getting pre-approved means you have a roughly 90% chance of actually getting approved for an account when you officially apply. You can also inquire about a Chase credit card pre-approval review at any Chase Bank branch. Or you might simply receive a pre-approved offer in the mail. In any case, you’ll get a special “invitation number” to use when applying.… read full answer

Online is naturally the fastest and most convenient method. But we’ll explain all three options in greater detail because there are some specifics you should be aware of.

Chase Credit Card Pre Approval Options

Online

You can see any and all Chase cards you’re pre-approved for in a matter of minutes. Just go to Chase’s pre-approval page and enter your name, your address, and the last four digits of your Social Security Number (SSN). Then click the box acknowledging you understand that you’re not applying for a card and that this check won’t hurt your credit. Lastly, click “Find My Offers,” and you’ll see any cards you’ve been pre-approved for. If you see something you want to apply for, you’ll be able to do so immediately. It’s very likely you’ll be approved if you were pre-approved, but it’s not guaranteed.

Branch

Go to your local Chase Bank branch and ask the teller about credit card pre-approval. If you’re not a Chase customer already, you’ll have to give the same information that you would for the web check.

Mail

Chase, like other major credit card issuers, mails pre-approved offers to people who meet the general criteria they’re looking for in a cardholder. If you receive one, you can fill out the enclosed application and send it back to Chase. Or, you can apply online using the “invitation number” provided. But keep in mind that this only allows you to see one offer, whereas the other methods allow you to see multiple cards that you can apply for.

Chase credit card pre-approval can be very helpful, allowing you to avoid applying for cards that you have no chance of being approved for, minimizing the number of hard inquiries on your credit report, and saving you time searching for the right card for your needs. But it’s worth noting that all of Chase’s credit cards currently require at least good credit for approval. So you may want to check your latest credit score for free on WalletHub, too.

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.