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Chase Freedom credit cards are popular for their standout rewards, $0 annual fees, and other perks. But what does it take to get approved? In this guide, we'll tell you what credit score ranges it typically takes to qualify for a Chase Freedom card -- and share tips on increasing your credit score so you can get approved for these (and other) impressive cards.
Credit scores for Chase Freedom credit cards
Here are the minimum credit scores for each Chase Freedom credit card, according to reports from Chase cardholders:
Chase Freedom Rise®: No minimum credit score required
Chase Freedom Flex® (see ): 670-700 or higher recommended (see )
Next, you'll need to give Chase some basic information -- like your name, address, and income.
Some people will be approved instantly, while others may need to wait a few days for Chase to verify their information. If you're approved, you'll receive your new card in the mail within a couple weeks.
Chase Freedom credit card perks
With all the cash back credit cards out there, you might be wondering: What makes Chase Freedom credit cards stand out? Here are some of the reasons we love Chase Freedom cards:
High cash back: Up to 5% cash back with Chase Freedom Flex® and Chase Freedom Unlimited®, and 1.5% cash back on all purchases with Chase Freedom Rise®.
0% intro APR: Both Chase Freedom Flex® and Chase Freedom Unlimited® offer a 0% intro APR on purchases and balance transfers for 15 months.
No annual fee: All three cards offer a $0 annual fee.
Chase offers other perks, too, but the above three make Chase Freedom cards a spectacular all-around choice.
Chase is known for offering popular credit cards with valuable perks. If you're interested in comparing Chase Freedom cards with other Chase cards, check out our list: Best Chase Credit Cards.
Is it hard to get approved for Chase Freedom credit cards?
Not especially. The Chase Freedom Rise® card is specifically designed for people building or rebuilding their credit.
Chase has a rule called the 5/24 rule. If you've opened five or more credit cards in the last 24 months, they may deny your application. This rule applies to most of their cards, so plan accordingly!
Open a Chase banking account
If you're unsure whether you'll be approved, consider opening a bank account with Chase: Chase notes that applicants for the Chase Freedom Rise® could raise their approval odds by first opening a Chase checking or savings account with a minimum balance of $250. Additionally, anecdotal evidence suggests that existing Chase bank customers may have an edge when applying for Chase cards.
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Best for cash back on rotating categories
Discover will match all the cash back you’ve earned at the end of your first year.
INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
1% - 5% Cashback
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
4.70/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Best for unlimited rewards on purchases
25,000 points
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
1.5-3 points per dollar
Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open. Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
Intro:
0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers. Balance transfers
may not be used to pay any account provided by Bank of America.
Purchases: 0% Intro APR for 15 billing cycles for purchases
Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
4.80/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
$200 cash back
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
1% - 6% cash back
Earn 6% cash back for the first year in the category of your choice, 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category and 2% cash back at grocery stores and wholesale clubs up to the quarterly maximum.
Intro:
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
Purchases: 0% Intro APR for 15 billing cycles for purchases
Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
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