Chase Freedom Unlimited® is fairly hard to get, as it requires at least good credit for approval, meaning a minimum credit score of 700. Many applicants may not meet this threshold, as the average credit score in the U.S. is around 680, according to the most recent WalletHub data.
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.
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