What credit score do you need to get Freedom Flex and Freedom Unlimited Cards?

Your credit score plays a major role in your overall financial life. At TPG, we emphasize maintaining a high score, partly so you can be approved for the best credit card But also so you can better control your personal finances.

In general, a credit score at least 750 will give you approval for almost all credit cards in the market. However, you do not need to have excellent credit to approve for good Credit Card Rewards.

Two ordinary cards for beginners are Chase Freedom Flex® (See rates and fees) and Chase Freedom Unlimited® (See rates and fees). Both are non-annual credit cards earning cash.

However, the return of the cash can be converted to Ultimate Reward Points When you also have Chase Sapphire Card Preferred® (See rates and fees) Chase Sapphire Reserve® (See rates and fees) or Preferred® Ink Business Credit Card (See rates and fees).

This basically helps maximize card spending across the category for The maximum redemption value.

Related: What is a good credit score?

What credit score do you need to get Freedom Flex and Freedom Unlimited Cards?

While these two cards do not charge annuals and are considered admission-level cards, you still need Good credit to apply.

However, this does not mean that you need to have more than 750 scores to apply. In fact, there are anecdotal reports on low scores to the mid-600s received for both cards.

Your credit score is definitely important, and you should trying to fix it Whenever possible by practicing The credit habits are responsible. But you can’t let the score in the mid-600s prevent you from applying the card you want, especially if you have proven yourself to be a trusted customer in another way.

Related: Travel reward strategies for people with low credit scores

How to check your credit score

You can’t pay to check your credit score because there are many Option to check it for free.

Three credit reporting agencies compose credit scores, but three -three scores may not be the same. The two most common metrics for credit card approval are Fico Experian and Vantagescore Transunion scores. You can request your full credit report for free once a year from each of the three bureau (Experian, Transunion and Equifax).

American Express, FindUsaa and Wells Fargo All lets you check your FICO Experian Score. Amex, Bank of americaBarclays, Capital one, Chase And our bank allows you to check out your Vantagescore Transunion as well. You can also use several third -party sites, such as karma credit.

Related: When you need (and shouldn’t be) worried about a decrease in credit score

Factors that come into your credit score

While each user’s credit bureau calculates your score slightly different, a number of general factors affect your scoreIt doesn’t matter that agency.

• Payment history: This forms the largest part of your score for the FICO score, but the third -three of the bureau will see your payment history. Debtors want to know that you are a low -risk borrower, which means proving you will pay your bills on time.
• Debt Ratio to Credit: Basically, this reflects how many credit lines you use throughout the account. A good rule is to try and keep it Ratio below 30% for high credit score.
• Account Age: The longer your credit history, the better – that’s why we generally encourage a decline card you don’t use The no-invitation version instead of canceling.
• New Credit: If you are This newly opened some credit accounts, It can negatively affect your score as it can show the potential of financial stress on the creditors. This does not mean that you have to be careful to open a new account at all, but time is something to consider.
• Credit mix: Debtors want to see that you have a mix of credit accounts, including mortgages, car loans and more. Don’t take a loan that you don’t have to give yourself a more varied mix, but keep in mind that a well -managed car loan or mortgage can mean higher credit scores.

Related: The biggest factor affecting your credit score

What happens if you are rejected?

Getting rejected for credit cards can be better, but not the end of the world. In fact, many TPGers have been rejected for at least one credit card in their lives.

Overall, rejected for a credit card cannot do any long-term damage to your account. Current ”investigation“From the application can record your credit score for a few points, your score should bounce back after a while. You do not want to try and re -apply for the same card as instantly, but you can try again after three to six months.

If you get rejected, it is possible to get a reverse decision. You can call the bank reconsideration line to request an appeal (make sure you know why the bank gives a rejection before you call). If you explain why you want/need a card and how you plan to use it, the agent can decide to approve you. While there is no guarantee that you will succeed, it doesn’t hurt (good) asking.

Related: Your guide to calling credit card reconsideration line

Bottom Line

The Chase Freedom Flex and Chase Freedom Unlimited is a very good credit card, whether you are a beginner or a veteran of eye and MIL.

Hopefully, this guide has given you the basis for what credit score you should try to apply for this card, but keep in mind that there are no hard and fast rules for what scores need to be approved.

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Apply here: Chase Freedom Flex
Apply here: Chase Freedom Unlimited

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