Chase Freedom Unlimited Credit Score: Requirements and Benefits

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The Chase unlimited freedom The card is a simple cash rewards card, ideal for people who prefer not to follow the rotating rewards categories of certain credit cards.

Those looking for a new rewards card might be wondering about Chase Freedom Unlimited credit score and other eligibility requirements. The following can help new cardholders determine their likelihood of qualifying for .

What is the credit score needed for the Map?

Hunt Generally approves the Freedom Unlimited card for applicants with good to excellent credit, which equates to a minimum credit score of 670. Most credit card issuers also consider other factors when determining an individual’s creditworthiness. applicant, so a credit score of 670 or higher does not guarantee approval.

Is Chase Freedom Unlimited hard to get?

The Chase Freedom Unlimited Card is not difficult for those with good to excellent credit and a credit report display a history of good credit habits, such as on-time payments, low credit utilization, and a healthy income-to-debt ratio. Card issuers consider these factors, and a few more, to determine an applicant’s creditworthiness.

Of course, approval is never guaranteed and some applicants with good credit are denied. But those who meet the above criteria have a much better chance of qualifying for Freedom Unlimited than those who have a low credit scorehistory of late payments or other negative credit reports.

Chase Freedom Unlimited Benefits

This annual no-fee card rewards cardholders with 1.5% cash back on all purchases, except for eligible restaurant and drugstore purchases which earn 3%. Cardholders also earn 5% on travel purchases booked through Chase Ultimate Rewards.

The card’s attractive sign-up bonus is perhaps one of the best perks for new card members. It offers 0% initiation annual percentage rate for the first 15 months – after the introductory period, the APR is – and the chance to earn up to $800 in bonus cash back. The first $200 of the bonus is earned by spending at least $500 on purchases in the first three months, and the rest is offered as 5% cash back on grocery purchases up to $12,000 per month. first year, excluding purchases of walmart and Target.

Credit score requirements for other Chase cards

Some interested in getting a Chase the credit card ask yourself if some cards are easier to get than others or if Chase offers cards for those with less than good credit. Another common question is the credit limit that may come with a particular card.

Here’s more information about general credit score requirements and credit limits for Chase credit cards to help you determine if you might be approved for the card you want.

Is the Or the easier-to-get Freedom Unlimited card?

Freedom Unlimited is no easier to obtain than Hunting Freedom Flex. Applicants generally require good to excellent credit for either card. Chase asks for the same information to evaluate applicants for either card. Only candidates requesting a premium Chase card, such as the Reserve Chase Sapphiremay have to meet stricter requirements, as this card is generally reserved for people with excellent credit.

Can an applicant get a Chase credit card with a credit score of 640?

It is possible to be approved for a Chase card with a score below the typical requirement of 670. However, those with a fair credit score likely have negative marks on their credit report contributing to their lowered credit score and therefore may not qualify. But 640 is only 30 points below the good credit score range, so it’s possible to go up for anyone who takes the time and steps to improve your score.

What is the maximum credit limit with Chase Freedom Unlimited?

Chase publishes minimum credit limits in certain prices and terms of its cards, but does not publish maximum credit limits. Cardholder credit limits are based on many of the same factors used to determine eligibility for the card (credit score, credit history, and income) and vary by cardholder. It is also possible to get a increasing your credit limit after having had the card for a while and using it responsibly.

Final grip

Anyone looking for a new credit card should check their credit score to determine which cards they are most likely to qualify for. Those who do not meet Chase Freedom Unlimited credit score requirements of 670 or higher can find other card options for which they may be eligible. However, a better option for someone with fair or poor credit might be to delay applying for a new card until their credit score has improved, or to apply for a secure credit card.

Regardless of credit rating, anyone looking for a new credit card should carefully compare card features and terms to ensure they choose a card with a good APR, reasonable fees, and rewards and benefits that meet their needs and correspond to their purchasing habits.

Rates are subject to change; unless otherwise specified, prices are updated periodically. All other account information is accurate as of October 24, 2022.

Editorial note: This content is not provided by any entity covered by this article. Any opinions, analyses, criticisms, evaluations, or recommendations expressed in this article are those of the author alone and have not been reviewed, endorsed, or otherwise endorsed by any entity named in this article.

Information relating to Chase Freedom Unlimited, Chase Freedom Flex and Chase Sapphire Reserve cards has been collected by GOBankingRates and has not been reviewed or provided by the issuer of such cards. Product details may vary. Please check the issuer’s website for up-to-date information. GOBankingRates does not receive commission for this product.

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