Is Chase Freedom Flex hard to get?

The Chase Freedom Flex credit score requirement is 700+. This means that you need at least good credit to get this card. 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.... 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.

Chase Freedom Flex Credit Score Requirements: Key Takeaways

1. 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.
2. 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.
3. 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.

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.

The Chase Freedom Flex approval time can be as little as a minute if you’re a clear match for the card’s approval requirements. If you don’t get instantly approved, it usually takes 7-10 business days to receive a decision on your application. Chase notifies applicants of their application decision by email or by mail.... read full answer

How to Check Your Chase Freedom Flex Application Status

If you haven’t heard about your Chase Freedom Flex application status after 10 business days, call Chase customer service at (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 Chase Freedom Flex 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, but it’s only available to students. Applicants can get approved for this card with limited credit. This means the odds of approval are good even for people who are new to credit, making the Chase Freedom® Student credit card much easier to get than other Chase credit cards.... read full answer

All other Chase credit cards require at least good credit for approval, and some require excellent credit. But while Chase cards aren’t that easy to obtain, there are several other credit cards that are easy to get.

Easiest Credit Cards to Get

Having one of these credit cards may increase your chances of landing a Chase 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.