The Chase Freedom Flex credit score requirement is good credit or better. So you can think of 700 as the minimum credit score needed for Chase Freedom Flex. 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.
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:
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 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 approval odds are best with a minimum of good credit (a credit score of 700+) 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 Freedom 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 just applied for this card today and got approved with WalletHub calls "Fair" credit (680) so I don't think it's always black and white. I already had 2 other cards with only about 6 months history (Cap1 Quicksilver and TJX Rewards 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.
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