What is the Chase Freedom Unlimited credit score requirement?

Chase Freedom Unlimited® is fairly hard to get, as it requires at least good credit for approval, meaning a minimum credit score of 700. The Chase Freedom Unlimited card is even harder to get with scores lower than that. Applicants for Chase Freedom Unlimited will also need an annual income that demonstrates an ability to make at least the card’s minimum payment every month. In addition, Chase considers factors such as your existing debt, monthly housing payment amount, and number of recently opened credit accounts, among others.… read full answer

Applicants will also need an annual income that demonstrates an ability to make at least the card’s minimum payment every month. In addition, Chase considers factors such as your existing debt, monthly housing payment amount, and number of recently opened credit accounts, among others.

You can get a better idea of how hard it will be to get a Chase Freedom Unlimited card through Chase’s online pre-qualification tool. You’ll know in a matter of seconds what your odds are of getting Chase Freedom Unlimited and other Chase credit cards, based on the information you enter. Plus, pre-qualification doesn’t affect your credit score, as the process is done using a soft inquiry.

Being pre-qualified is not a guarantee that you’ll get a Chase Freedom Unlimited card, so you will have to submit an application to know for sure. If you do apply for the Chase Freedom Unlimited card, Chase will do a hard inquiry on your credit report. This type of inquiry will knock a few points off your credit score but only temporarily.

You need a credit score of 700 or higher to get approved for most Chase credit cards. That means you need good credit or better to qualify for Chase credit cards. For example, the credit score requirement for both the Chase Freedom Flex℠ card and the Chase Sapphire Preferred® Card is 700+.… read full answer

The main exception to the rule is the Chase Freedom® Student credit card, which is available to students with limited credit or better. Still, the higher your credit score is, the better your Chase credit card approval odds will be.

Chase Credit Card Credit Score Requirements

• Chase Sapphire Reserve®: Excellent Credit (750+)
• Chase Freedom Flex℠: Good Credit (700+)
• Chase Freedom Unlimited®: Good Credit (700+)
• Chase Sapphire Preferred® Card: Good Credit (700+)
• Chase Freedom® Student credit card: Limited History. This card is available for students who have limited credit score (less than 3 years of credit history+)
• Amazon.com Credit Card: Good Credit (700+)
• Ink Business cards: Good Credit. Ink Business Preferred® Credit Card, for instance, requires a credit score of 700 at a minimum. That means you need good credit or better for approval.
• Chase hotel cards: Good Credit. The World of Hyatt Credit Card, for instance, requires a credit score of 700 at a minimum. That means you need good credit or better for approval.
• Most Chase airline cards: Good Credit. United Quest℠ Card, for instance, requires a credit score of 700 at a minimum. That means you need good credit or better for approval.

Be sure to check your credit score regularly to assess your chances of meeting the Chase credit card credit score requirements. Chase also has an online pre-approval tool that gives you an indication of how well your credit stacks up without having to formally apply.

You'll know within seconds if you're pre-approved for any Chase credit cards. There's no guarantee you'll be approved if you apply, but the odds are on your side. Pre-approvals are done using a soft inquiry or "soft pull" on your credit report, which means there's no effect on your credit score. However, if you decide to actually apply for a card, Chase will perform a hard inquiry, which may cause a slight dip in your credit score.

The Chase Freedom Unlimited offers a $500 minimum credit limit for everyone who’s approved. Applicants with the best credit standing can also get starting credit limits of $5,000 or higher from the Visa Signature version of the Chase Freedom Unlimited. Signature cards come with a few more supplemental benefits than the standard Visa Platinum cards other approved applicants receive.… read full answer

Chase doesn’t publicly disclose a maximum credit limit for the Chase Freedom Unlimited card. But some customers have said that they have received limits of almost $14,000. If you want a limit that high, you’ll need spotless credit, a very high income to afford the payments, and low existing debt.

Chase Freedom Unlimited Credit Limit Increase

Keep in mind that you can ask Chase for a Chase Freedom Unlimited credit limit increase by calling the number on the back of your card. It’s best to try that after at least half a year of on time bill payments.