What's the Chase Freedom Unlimited credit score requirement?

Question

The best credit card for a 700 credit score could be the Capital One Venture Rewards Credit Card if you’re eager to earn travel rewards, Blue Cash Preferred if you’d prefer cash back or Wells Fargo Platinum card if you want 0% APRs. It all depends on your individual needs, as no card does everything best. But you do want to focus on cards that require “good” credit or below, since 700 is a good credit score. Of course, there are other things that affect the application process too, like income and the number of recent inquiries on your report.… read full answer

A good way to figure out whether you’re eligible for a particular credit card with your 700 credit score is to check for pre-approval on the issuer’s website. If you’re pre-approved for a card, you’re not guaranteed approval, but your odds are high – usually around 90%. You can do a pre-approval check for most of the best credit cards for a 700 credit score.

Here are the best credit cards for 700 credit scores:

For Travel Rewards: Capital One Venture Rewards Credit Card - 60,000 miles for spending $3,000 in the first 3 months. 2 miles per $1 on all purchases. $0 foreign transaction fees. $95 annual fee.

For Balance Transfers: Wells Fargo Platinum card - Intro APR of 0% for 18 months on purchases and 0% for 18 months on qualifying balance transfers. 3% intro for 120 days, then 5% balance transfer fee. No rewards. 3% foreign transaction fee. $0 annual fee.

For Cash Back: Blue Cash Preferred - Intro APR of 0% for 12 months on purchases. Earn rate of 1 - 6% cash back. 2.7% foreign transaction fee. $95 annual fee, waived the first year.

Hotel Perks: Radisson Premier Visa Signature® Credit Card - 100,000 points bonus for spending $3,000 in the first 90 days. 10 points per $1 spent at Radisson and 1.5% cash back everywhere else. 40,000 bonus points for renewing your card every year. 3% foreign transaction fee. $75 annual fee.

As you may have noticed, a lot of the best credit cards for 700 credit scores don’t have annual fees. So, you can pick up some great perks without having to shell out money for the privilege of having a card.

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Answer 1 · 2019-02-05 16:35:22

Jane Cogli, Former Bank Teller

@janecogli 02/05/19 This answer was first published on 11/15/18 and it was last updated on 02/05/19.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The Chase Freedom Unlimited credit score requirement is 750+, or excellent credit. It may be possible to get the Freedom Unlimited card with a slightly lower score, such as 700+, especially if you have a lot of income and little debt. But the higher your credit score is, the better your approval odds will be.

It takes more than just meeting the credit score requirement to get approved, though. You also need a steady income, enough to handle a $500 minimum credit limit. And Chase will take a look at other factors like your housing status, the debts you owe, the number of cards you have open and more. You won’t be approved for the Freedom Unlimited card if you have an active bankruptcy. And to apply in the first place, you’ll need to be at least 18 years old with a U.S. mailing address and a Social Security number.

If you don’t meet the Chase Freedom Unlimited credit score requirement yet, you may want to wait a few months before applying. Or, you could go for one of Chase’s credit cards for good credit (700+ score), such as the IHG Rewards Club Premier card or the Southwest Rapid Rewards Priority card.

What's the Chase Freedom Unlimited credit score requirement?

Jane Cogli, Former Bank Teller

Chase Freedom Unlimited®

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