Is Chase Freedom Unlimited hard 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

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:

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.

For the best Chase Freedom Unlimited approval odds, applicants need at least good credit (a score of 700 or higher for the best chances) and a steady income that exceeds their existing financial obligations by a healthy amount. Odds of approval also depend on other factors, including your employment status, outstanding debt, monthly housing payment amount and more.… read full answer

Before you apply, you can gauge your Chase Freedom Unlimited approval odds through the Chase online pre-approval tool. Checking for pre-approval will not hurt your credit score. Once you submit the online pre-approval form, you should know immediately what your chances are of being approved for Chase Freedom Unlimited. You may see additional Chase cards with high odds of approval, too, based on the information you submitted on the online form.

Remember that just because you’re pre-approved does not mean you’ve applied for an account or that you’re guaranteed to get one should you apply. If you submit an application, Chase will request a full review of your credit report. This ”hard pull” will lead to a slight, but temporary, drop in your credit score.

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

Easiest Chase Credit Cards to Get

• Chase Freedom® Student credit card: requires limited credit or better
• Chase Freedom Unlimited®: requires good credit or better
• Chase Freedom Flex℠: requires good credit or better
• Chase Sapphire Preferred® Card: requires good credit or better
• Marriott Bonvoy Bold® Credit Card: requires good credit or better

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.