You can get pre-approved for the Chase Freedom Flex credit card online. You may also receive a pre-approved offer via mail.
What you should know about the Chase Freedom Flex card pre-approval:
Checking for Chase Freedom Flex pre-approval allows potential applicants to gauge their odds of being approved for the card before they submit an application.
Pre-approval results in a soft pull, which does not affect an applicant’s credit score.
Chase does not offer pre-approval by phone or at a branch.
Chase Freedom Flex pre-approval does not guarantee you’ll be approved. It does indicate that if you apply, your chances of getting approved are good.
When you submit an actual application, Chase will request a copy of your credit report from at least one of the three major credit bureaus. This inquiry will result in a hard pull, which will cause a temporary drop of your credit score.
Ways to get pre-approved for the Chase Freedom Flex Card:
Online: Visit Chase’s pre-approval tool, and enter your name, address and the last four digits of your Social Security number. Then, check the box stating you understand it’s not an application and that pre-approval will not affect your credit score. After that, click on “Find My Offers” at the bottom of the page, and you will see all the Chase cards for which you have been pre-approved.
Pre-approved offer by mail: Chase mails pre-approved offers to candidates who meet at least the minimum criteria for a specific card, such as Chase Freedom Flex. If you receive an offer, you can complete the enclosed application and mail it back to Chase. You can also apply online through the pre-approval status tool. Just input the invitation code provided with your mail offer. This flags you as pre-approved when you apply.
Chase Freedom Flex pre-approval can be a useful resource if you’re unsure of your chances of being approved. Note that you will need good credit or better to qualify for this card. So, in addition to checking for pre-approval, you should also check your credit score before you apply.
The main Chase Freedom Flex requirements are that an applicant must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification number. Applicants must also have a physical U.S. address, enough income to make monthly minimum payments, and at least good credit.
Proof of enough income to make the monthly minimum payment
Social Security number or ITIN
Good credit or better
If you apply for the Chase Freedom Flex card, it’s important that you enter all required information completely and accurately. Knowingly reporting false or misleading information on a credit card application is a federal crime.
Checking for pre-approval is free and doesn’t damage your credit score. Checking online is naturally the fastest and most convenient method. Just keep in mind that neither pre-approval nor prequalification mean guaranteed approval. You have to apply in order to find out if you're approved or not.… read full answer
Here’s how to check for Chase credit card pre-approval:
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 better, which means you need good credit or better for good odds of approval. 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.
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 and debt, 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.
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