Chase Freedom Unlimited^® Credit Score Requirement

If you're wondering what credit score you need for the Chase Freedom Unlimited^®, Chase does not publish a specific minimum credit score required for approval. Your credit score is one factor Chase may consider, but the approval decision can also depend on your overall credit history and other information in your application.

The Chase Freedom Unlimited^® review on our site covers the card's rewards, benefits and other features. This page focuses specifically on the credit score and credit-profile requirements that may affect your chances of approval.

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What Credit Scores Have People Reported Getting Approved for the Chase Freedom Unlimited^® Card?

While Chase does not publish a minimum credit score for the Chase Freedom Unlimited^®, real-world application reports show that people have been approved with a wide range of credit scores. These reports also show why your credit score is only one part of the approval decision.

Here are some credit scores and circumstances that applicants have reported when applying for the Chase Freedom Unlimited^®:

• 626 FICO 8: One applicant reported being approved with a 626 Experian FICO 8 score and a $1,100 credit limit. The applicant had a six-month-old Capital One secured card and a three-month-old Capital One Quicksilver Student card. They also reported a paid Discover charge-off from two years earlier and had never previously had a Chase account.
• 635–658: One applicant reported Experian, Equifax and TransUnion scores of 635, 648 and 658, respectively, and was approved for a $1,300 credit limit. The applicant had been a Chase checking customer for several years, had been rebuilding credit and had received pre-approved offers from Chase before applying.
• 670 FICO: One applicant reported being approved after calling Chase reconsideration with a 670 FICO score and $83,000 income. The applicant had four credit cards and already had a banking relationship with Chase.
• 720: One applicant reported rebuilding from a 580 credit score and eventually reaching 720 before being approved for the Chase Freedom Unlimited^® with an $8,500 credit limit.
• 741: One applicant reported an instant approval with a 741 credit score and an $8,600 starting credit limit. The applicant reported 19% credit utilization and two recent inquiries.
• 745 FICO: One applicant reported being approved with a 745 FICO score and receiving a $17,100 credit limit. The applicant already had several other credit cards with substantial available credit.
• 800 FICO: One applicant reported an 800 FICO score but was initially denied because of recent accounts and inquiries. After calling Chase reconsideration, the application was approved.

These reports show why there is no single Chase Freedom Unlimited^® credit score that guarantees approval. Some applicants have reported approval with scores in the 600s, while others with scores in the 700s or higher have reported an initial denial or another issue that required reconsideration.

The reports also show that Chase may consider factors such as your existing accounts, recent applications, credit history, income, relationship with Chase and other information in addition to your credit score.

These are individual applicant reports and are not Chase approval requirements. Your application may have a different outcome even if your credit profile is similar.

What Credit Score Do You Need for the Chase Freedom Unlimited^®?

Chase does not state that applicants must have a particular credit score to qualify for the Chase Freedom Unlimited^®. There is no published Chase rule saying that an applicant must have a specific FICO^® score, such as 670, 700 or 740, to be approved.

In general, applicants with established credit and a stronger overall credit profile may be more likely to qualify. However, a credit score by itself does not guarantee approval or determine the outcome of an application.

Does Chase Have a Minimum Credit Score for the Chase Freedom Unlimited^®?

There is no publicly stated minimum credit score for the Chase Freedom Unlimited^®. Chase explains that credit scores are one of several factors lenders may use when determining eligibility for a credit card.

This means that two applicants with similar credit scores can receive different application decisions because their credit histories, debt levels and other financial information may be different.

What Does Chase Look at When You Apply?

Your credit score is only one part of your overall credit profile. Chase may consider information such as your payment history, credit utilization, current debt and other information contained in your credit reports.

Chase also asks applicants to provide information such as income and housing costs as part of the application process. The information provided on the application can be considered along with your credit history when Chase evaluates your eligibility.

Is a 670 Credit Score Good Enough for the Chase Freedom Unlimited^®?

A 670 credit score is generally considered to be within the good-credit range, but having a 670 score does not guarantee approval for the Chase Freedom Unlimited^®.

An applicant with a 670 score may have a stronger or weaker overall application depending on factors such as payment history, credit utilization, length of credit history, existing accounts and debt.

For that reason, it is more useful to consider your complete credit profile rather than treating 670 as an official Chase approval threshold.

Is a 700 Credit Score Good Enough for the Chase Freedom Unlimited^®?

A 700 credit score represents a stronger credit profile than a score in the upper 600s, but Chase still does not publish 700 as a minimum requirement for the Chase Freedom Unlimited^®.

If you have a 700 credit score, your application may have a stronger overall credit profile, but Chase can still consider other information when making its decision.

Can You Get the Chase Freedom Unlimited^® With a Lower Credit Score?

Because Chase does not publish a minimum credit score for the Chase Freedom Unlimited^®, there is no official score at which Chase says an applicant is automatically ineligible.

Applicants with weaker credit profiles may have more difficulty qualifying for an unsecured rewards card. If you're still establishing credit, Chase also offers the Chase Freedom Rise^® Credit Card, which is designed to help people establish credit.

Chase states that maintaining good credit habits with the Freedom Rise can lead to an automatic upgrade to the Chase Freedom Unlimited after a year, provided the account meets the applicable requirements.

Can You Check for a Chase Pre-Approved Offer?

Yes. Chase provides an online tool that allows consumers to check whether they have pre-approved credit card offers available.

Chase says that checking for pre-approved offers does not impact your credit score. If you decide to submit a credit card application, however, the application can affect your credit score.

You can learn more about Chase pre-qualified offers for the Chase Freedom Unlimited^® before applying.

Does the Chase 5/24 Rule Affect Approval?

Chase also has application policies that can affect whether you qualify for a new credit card. One of the most widely known is the Chase 5/24 rule, which generally concerns how many credit cards you have opened with any issuer during the previous 24 months.

Your recent credit-card application history can therefore matter in addition to your credit score when you apply for the Chase Freedom Unlimited^®.

You can learn more about the Chase 5/24 rule for the Chase Freedom Unlimited^® before applying.

What Credit Score Is Needed for the Chase Freedom Unlimited^®? The Bottom Line

Chase does not publish a specific minimum credit score for the Chase Freedom Unlimited^®. Applicants with good credit may be more likely to fit the card's general credit profile, but approval is based on more than a single number.

Before applying, consider your overall credit history, credit utilization, existing debt and recent credit-card applications. You can also check Chase's pre-approved offers to see whether an offer is available to you without affecting your credit score.

For a broader look at the card's rewards, benefits and features, see our Chase Freedom Unlimited^® review.