Is Chase Freedom Flex hard to get?

Asked by: Sam Cronin MD  |  Last update: February 9, 2022
Score: 4.9/5 (41 votes)

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.

What credit score is needed for the Chase Freedom Flex?

You'll need a good to excellent credit score (a FICO score of 670 or higher) to qualify for the Freedom Flex.

Is Chase Freedom card hard to get?

Chase Freedom Unlimited® is fairly hard to get, as it requires at least good credit for approval, meaning a minimum credit score of 700. ... Applicants for Chase Freedom Unlimited will also need an annual income that demonstrates an ability to make at least the card's minimum payment every month.

Is Chase Freedom Flex worth it?

The bottom line

The Chase Freedom Flex℠ is a good addition for just about any Chase Ultimate Rewards® collector. A $0 annual fee means that there's essentially no risk in trying the card out, and the large selection of high-earning bonus categories means this card offers tons of earning potential.

How long does it take to get Chase Freedom Flex?

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.

APPROVED for Chase Freedom Flex: My Strategy EXPLAINED

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What is the easiest Chase credit card to get?

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.

Is it easy to get approved for Chase Freedom?

You'll need good to excellent credit to qualify for the Chase Freedom Unlimited®. Generally speaking, this is defined as a credit score of 690 or better. But a credit score alone isn't enough to qualify for any credit card. Issuers take into account your income, existing debts and other information.

Can I have both Chase Freedom and Freedom Flex?

Yes, you can have both Chase Freedom Unlimited and Chase Freedom Flex. Having both the Freedom Unlimited and Freedom Flex cards can be a good idea, because their rewards programs work well together and neither card has an annual fee.

What is the highest credit limit for Chase Freedom?

The Chase Freedom Unlimited credit limit is $500 or more for everyone who's approved. The most creditworthy applicants can also get starting credit limits of $5,000 or higher from the Visa Signature version of the Chase Freedom Unlimited card.

What is the difference between Chase Freedom and Chase Freedom Flex?

The Chase Freedom Flex gives an additional 5% back on up to $1,500 spent in quarterly bonus categories (then 1% back) and 1% back on all regular spending. Meanwhile, the Chase Freedom Unlimited offers a flat 1.5% back on regular, non-bonus purchases.

Why are Chase cards so hard to get?

In general, Chase credit cards aren't the easiest to get since most require a good or excellent credit score for approval (700 or more). Most of those requirements are pretty standard, although some credit card companies offer cards to people with lower scores.

What do you need to qualify for Chase Freedom?

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The Chase Freedom Flex credit score requirement is 700 or higher, which means you need good credit or better for good odds of approval.

Why did I get denied for Chase Freedom Unlimited?

Chase Freedom Unlimited® applications could be denied because of a low credit score (below 700), not enough annual income, or too many recent credit inquiries. Other grounds for denial could be incomplete or inaccurate information on the application, or a pending bankruptcy on your credit report.

What credit bureau does Chase Freedom use?

The Chase Freedom Unlimited® is an Experian partner but may use the other credit bureaus on a state-by-state basis.

Will applying for a credit card hurt my credit score?

Applying for a credit card and being denied can be frustrating—especially if you're worried it might impact your credit scores. ... Instead, applying may lower your credit scores—usually by just a few points, according to credit-scoring company FICO®—because applying for a credit card will trigger a hard inquiry.

Is a $3000 credit limit good?

It's not typical for a credit card to have a $3,000 minimum credit limit, even when it comes to good credit. For example, cards like Citi® Double Cash Card – 18 month BT offer offer starting credit limits as low as $500. However, that's just the lowest amount you're guaranteed if approved.

Does Chase do hard inquiry for credit limit increase?

Does Chase Pull My Credit When I am Requesting A Credit Limit Increase? Yes, asking for a credit limit increase will result in a hard pull on your credit. This may lead to a slight temporary drop in your credit score.

How do I get a 40k credit limit?

Options for getting a higher credit limit
  1. Make a request online. Many credit card issuers allow their cardholders to ask for a credit limit increase online. ...
  2. Call your card issuer. ...
  3. Look for automatic increases. ...
  4. Apply for a new card.

Is Chase Freedom Flex good for students?

That's right — when you pay your monthly cell phone bill with your Freedom Flex card you're covered for theft or damage to your phone up to $800 per claim and $1,000 per year, with a $50 deductible per claim. So, for college students who are hard on their cell phones, the Freedom Flex card might be the perfect option.

How does Chase Freedom Flex work?

Use your Chase Freedom Flex℠ card and you'll earn 3% cash back each time, plus 3% at the drugstore. Unlike the 5% bonus categories, which are capped at $1,500 in spending per quarter, the 3% earnings on dining and drugstores are unlimited.

Which is better Chase Freedom Unlimited or Chase Freedom?

The difference between the two is how they earn in other categories. The Chase Freedom Flex℠ card offers 5% back on categories that rotate each quarter, up to $1,500 in spending. The Chase Freedom Unlimited® offers 1.5% back on every dollar spent — no matter the category — with no spending limit on rewards.

Can I get an American Express card with a 700 credit score?

The American Express credit score requirement is 700 or above, depending on the card. That means people with good to excellent credit are eligible to be approved for an American Express credit card.

Does Chase give instant approval?

Chase credit card applications are usually under review for 7-10 business days. Some applicants may receive an instant decision, while others may have to wait up to 30 business days in rare cases. ... If your application is denied, you can call Chase's reconsideration number at (888) 270-2127.

Is there a Chase credit card for bad credit?

Chase doesn't have any cards for consumers with bad credit scores. You need at least a good score to apply for a Chase credit card.

Does Chase verify income for credit cards?

Will a credit card company verify your income? Although a credit card company could ask you to provide income verification, this almost never happens. Instead, they'll take your word for it and use your reported income.