![]() The two most common metrics for credit card approvals are Experian's FICO score and TransUnion's VantageScore. There are three credit reporting agencies that compile a credit score, but all three scores may not be the same. Now that you know a broad sense of what credit score you should have when applying for the Chase Freedom or Chase Freedom Unlimited, how do you check to see how your score measures up? Related reading: Travel rewards strategies for people with low credit scores How to check your credit score The Points Guy will not share or sell your email. I would like to subscribe to The Points Guy newsletters and special email promotions. But you shouldn't let a score in the mid-to-high 600s stop you from applying for a card you really want, especially if you have proven yourself to be a trustworthy customer in other ways. Your credit score is definitely important, and you should strive to improve it whenever possible by practicing responsible credit habits. ![]() ![]() If you have other Chase cards that are in good standing and/or have been a longtime customer of Chase with large banking balances, your approval odds may rise regardless of a less-than-stellar credit score. Chase uses a number of factors to make an approval decision - your income level, age of your credit accounts and even your current relationship with the bank. In fact, there have been anecdotal reports of scores in the low- to mid-600s being accepted for both cards. However, this doesn't mean you need to have a score of 750+ to apply. Despite the fact that these two cards charge no annual fee and are considered entry-level cards, you'll still want to have good credit to apply. Unlike some issuers, Chase doesn't publish recommended credit scores on its website. The Chase Freedom and Chase Freedom Unlimited are two no-annual-fee Chase cards that can provide a lot of value to both beginners and points-and-miles veterans. Related reading: What is a good credit score? Scores required for the Chase Freedom and Freedom Unlimited Card details on this page have not been reviewed or provided by the card issuer.) (Information about the Chase Freedom have been collected independently by The Points Guy. For that reason, these two Freedom cards are both potential members of the Chase Trifecta, which can help you maximize card spend across categories for maximum redemption value. Both are no-annual-fee credit cards that earn cash back - but that cash back can be converted to Ultimate Rewards points when you also have a Chase Sapphire Preferred Card, Chase Sapphire Reserve or Ink Business Preferred Credit Card. Two common cards for beginners (who may not have excellent credit built up just yet) are the Chase Freedom (No longer open to new applicants) and Chase Freedom Unlimited. New to The Points Guy? Sign up for our daily newsletter and check out our beginner's guide. ![]() However, you don't have to have excellent credit to be approved for a good rewards credit card. Generally speaking, a credit score of 750+ will grant you approval to almost any credit card on the market. But at TPG, we place a big emphasis on maintaining a high score, in part so that you can be approved for the best credit cards. Your credit score plays a big role in your overall financial life. Update: Some offers mentioned below are no longer available. ![]()
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