Yes, the Chase Freedom Flex℠ is hard to get because it requires at least good credit for approval. This means that applicants need a credit score of around 700+ to have decent odds of getting approved for Chase Freedom Flex.
What You Need to Get a Chase Freedom Flex Card
Good credit score of 700+
Steady income ($40,000+ is reportedly best)
Low debt relative to income
Low housing costs relative to income
Fewer than five new credit card accounts opened in the past two years
As with any other credit card for good credit, these requirements are not set in stone. It’s possible to get approved with a lower income, for example, as long as other factors in your application make up for it. But meeting or surpassing each of these guidelines will certainly make the Chase Freedom Flex card easier to get.
The Chase Freedom Flex℠ credit score requirement is 700 or higher, which means 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
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.
Key things to know about the Chase Freedom Flex℠ credit score requirements:
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 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.
The Chase Freedom Flex approval time is up to 7-10 business days for most applicants. Some Chase Freedom Flex applicants may actually get approved instantly after applying online, if they are a clear match for the card’s approval requirements. Chase notifies applicants of their application decision by email or by mail.… read full answer
If you haven’t heard about your Freedom Flex application status after 10 business days, call Chase customer service at 1-800-432-3117 to inquire. You can also log in to your Chase account to check the status online. Once you’re logged in, click the main menu symbol (three horizontal lines) at the top left of the page. Then, scroll down to the bottom and select “Application status.”
Following approval, applicants can expect to receive the card in the mail after another 7-10 business days. If you need the card sooner, call Chase customer service at the number above and ask for free 2-day expedited shipping as soon as your application is approved.
The easiest Chase credit card to get is the Chase Freedom® Student credit card because applicants can get approved with limited credit. This means the odds of approval are good even for people who are new to credit. On the other hand, the majority of Chase credit cards require good to excellent credit in order to qualify.… read full answer
Having one of these Chase credit cards may increase your chances of landing a higher-tier credit card in the future, if you use it responsibly. That means paying your bill on time every month and keeping your credit utilization below 30% of your credit limit.
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