The only Chase Freedom card that is good for beginners is the Freedom Student credit card, which is available to college students with limited credit. It offers better rewards and benefits than most starter credit cards, with 1% cash back on all purchases, as well as some extra bonuses.
The original Chase Freedom card is not good for beginners because it is no longer open to new applicants. Chase currently offers two other “Freedom” cards, Chase Freedom Flex and Chase Freedom Unlimited, but they both require at least good credit for approval. There also aren’t any other Chase credit cards for beginners outside of the Freedom family.
The good news is that there are plenty of other beginner credit cards to check out from other issuers. You can compare starter credit cards on WalletHub. The best options include both secured and unsecured credit cards.
Yes, the Chase Freedom Flex℠ is hard to get because it requires at least a good credit score for approval. This means that applicants need a credit score of around 700+ to have decent odds of getting approved for Chase Freedom Flex.
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 you need good credit or better for good odds of approval. 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
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.
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 and debt, 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 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, making the Chase Freedom® Student credit card much easier to get than other Chase credit cards.… 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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