What credit score is needed for Chase Freedom Unlimited?

Asked by: Prof. Brian Dare  |  Last update: February 9, 2022
Score: 4.7/5 (61 votes)

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.

Is Chase Freedom Unlimited hard to get approved?

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.

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 is the easiest Chase card to be approved for?

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.

What credit score does Chase accept?

Most Chase credit cards are intended for consumers with good to excellent credit scores (FICO® Score of 670 or higher). A score above 700 is even better and gives you a strong chance at approval.

Chase Credit Cards: Minimum Credit Score To Be Approved

15 related questions found

Is a credit score of 699 good?

A 699 FICO® Score is Good, but by raising your score into the Very Good range, you could qualify for lower interest rates and better borrowing terms. A great way to get started is to get your free credit report from Experian and check your credit score to find out the specific factors that impact your score the most.

Is a 802 credit score good?

A FICO® Score of 802 is well above the average credit score of 711. It's nearly as good as credit scores can get, but you still may be able to improve it a bit. More importantly, your score is on the low end of the Exceptional range and fairly close to the Very Good credit score range (740-799).

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.

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

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.

Does Chase have a pre approval?

You can get pre-approved for all the Chase cards through Chase's pre-qualification application. You'll need to provide your name, address, and the last four numbers of your Social Security number. The pre-approval process is a good way to find out which Chase cards fit your qualifications.

What is the Chase 5 24 rule?

What is the 5/24 rule? Many card issuers have criteria for who can qualify for new accounts, but Chase is perhaps the most strict. Chase's 5/24 rule means that you can't be approved for most Chase cards if you've opened five or more personal credit cards (from any card issuer) within the past 24 months.

Is Chase hard to get approved for?

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.

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.

What are my chances of getting approved for Chase Freedom?

Chase Freedom Unlimited – Credit score to get approved

Many people from online forums report approvals on the Chase Freedom Unlimited with a credit score of 675 and above. Generally speaking, the higher your score, the better chance you'll have for approval. But I've found approval reports in the low 600s in the past.

When should I use Chase Freedom vs Sapphire?

Chase Freedom Unlimited is better for everyday use and intro APRs. But Chase Sapphire Preferred is the clear choice for travel rewards and a big initial bonus. Sapphire Preferred also has a $0 foreign transaction fee, while Freedom Unlimited charges 3% of each transaction in U.S. dollars.

How do I get pre approved Chase Freedom Unlimited?

How Chase Freedom Flex Pre-approval Works:
  1. Online: Visit Chase's pre-approval tool, and enter your name, address and the last four digits of your Social Security number. ...
  2. At a local Chase branch: Chase customers can easily get pre-approved, as the bank will already have your information.

Is Chase Freedom Flex hard to get?

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 is the limit on Chase Freedom Unlimited?

Here's why: The Chase Freedom Unlimited® offers a $500 minimum credit limit, but the limit is at least $5,000 if you're approved for the Visa Signature® version of the card. Beyond those minimum limits, this card offers plenty of opportunities to earn cash back.

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 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.

Is Chase Freedom Flex a Visa or Mastercard?

Between those two older Freedom cards, you're already getting most of the benefits that the Chase Freedom Flex℠ would provide. One exception, however, is that unlike its two predecessors, the Chase Freedom Flex℠ runs on the Mastercard payment network, not Visa.

Can you have a credit score of 900?

A credit score of 900 is either not possible or not very relevant. ... On the standard 300-850 range used by FICO and VantageScore, a credit score of 800+ is considered “perfect.” That's because higher scores won't really save you any money.

What percentage of the population has a credit score over 800?

Percent of Americans Who Have a Credit Score of 800 or Higher. Another report from The Ascent reveals that only 22 percent of Americans have a credit score of 800 or greater7.

Can I buy a house with 669 credit score?

If your credit score is a 669 or higher, and you meet other requirements, you should not have any problem getting a mortgage. Credit scores in the 620-680 range are generally considered fair credit. There are many mortgage lenders that offer loan programs to borrowers with credit scores in the 500s.