Chase Freedom Unlimited Card Approval Tips

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Chase Freedom Unlimited Card Approval Tips

Andrew WChase Freedom Unlimited Card Approval TipsMillion Mile Secrets Team

Signing-up for credit cards through partner links earns us a commission. Here’s our full Advertising Policy.

No-annual-fee credit cards are a great way to build a good credit score, because you can keep the card forever to increase the average age of your credit accounts, and it won’t cost you anything!

So considering a card like the Chase Freedom Unlimited® that has a nice intro bonus, and a great rewards rate on your daily purchases, you won’t want to miss out on an approval for this card!

If you’re wondering about your chances of approval, many people in online forums reported approvals with scores of 680 and above, although I was able to find an approval as low as 636 score!  The credit score is just one of several items Chase will look at, so you’ll still have a chance at being approved even if you don’t have an excellent credit score.

The information for the Chase Freedom Unlimited® has been collected independently by Million Mile Secrets. The card details on this page have not been reviewed or provided by the card issuer.

The Welcome Bonus of 15,000 Chase Ultimate Rewards Points on the Chase Freedom Unlimited Could Be Worth Much More Than $150!

And because of the flexibility of Chase Ultimate Rewards points, it’s possible to get more value out of this card than competing 2% cash back cards.  We’ll give you some tips to improve your chances of an approval!

How to Make the Most of the Chase Freedom Unlimited Credit Card

Apply Here:   Chase Freedom Unlimited®

Our Review of the Chase Freedom Unlimited®

With the Chase Freedom Unlimited®, you’ll earn a welcome bonus of $150 (15,000 Chase Ultimate Rewards points) after you spend $500 on purchases in the first 3 months from account opening.

You’ll also earn an unlimited 1.5% cash back (1.5X Chase Ultimate Rewards points per $1) spent on all purchases.  So you won’t have to worry about keeping track of rotating quarterly bonus categories!

This card earns Chase Ultimate Rewards points, which are one of our favorite types of flexible points.  That’s because they can be worth so much more depending on how you use them, so it’s very easy to come out ahead of competing 2% cash back cards!

For example, if you have either the Chase Sapphire Preferred® Card or the Ink Business Preferred Credit Card, points redeemed through the Chase Ultimate Rewards Travel Portal are worth 25% more.  And if you have the Chase Sapphire Reserve®, your points will be worth 50% more!

And if you transfer your points from the Freedom Unlimited to any of the above cards, you can also transfer points to any of Chase’s travel partners to potentially get even more value!

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If You Have the Right Chase Credit Cards, You Can Stretch the Value of the Chase Freedom Unlimited’s Welcome Bonus!

How to Improve Your Chances of Approval With the Chase Freedom Unlimited

Here are a few tips to keep in mind to improve your chances of getting approved for the Chase Freedom Unlimited.

1.   Be Mindful of Chase’s 5/24 Application Rule

Chase has some strict application rules, one of which is the 5/24 rule.  You will not be approved for most of their cards, including the Chase Freedom Unlimited®, if you have opened 5 or more credit cards from any bank (NOT counting Chase small business cards and these other business cards) in the past 24 months.

If you have been added as an authorized user to any credit cards, these will also count under 5/24.  However, some folks have reported success calling Chase to disregard authorized user accounts.

You can use tools like myBankrate to find out how many cards you have opened in the past 24 months.

2.   Check Your Credit Score

Many people from online forums reported approvals on the Chase Freedom Unlimited® with a credit score of 680 and above.  Generally speaking, the higher your score is, the better chance you’ll have for an approval.

Keep in mind though that your credit score is just one of several factors that Chase may consider.  I was able to find a report of an approval as low as a 636 credit score.  So it’s still possible to be approved even if your score is average!

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Your Credit Score Is Just One of Several Factors That Banks Look at, so You Can Still Get Approved Even With an Average Credit Score

What to Do If You’re Not Immediately Approved

It’s not unusual for a Chase credit card application to go to pending status.  If your application is not immediately approved, don’t panic!  It does not necessarily mean you were declined.  In fact, there are reports online that many pending applications eventually turned into approvals.  The best thing to do would be to wait for a final decision before calling Chase.

Now if you are declined, don’t give up hope!  You’ll can still call Chase and ask for a reconsideration.

You can use these tips to make your reconsideration call a success, and you can also emphasize a couple of additional items:

1.   Lead the Call and Emphasize Positive Credit Factors

Regardless of your credit score, Chase ultimately has the final say and there are a number of other factors they can look at when deciding to approve to deny your application.  You’ll make a stronger case for approval if you lead the call and emphasize items like the following:

  • Payment history on existing Chase cards and other banks
  • Length of history with Chase and other banks
  • Number of recent credit card applications
  • Credit utilization on your existing cards

Mentioning these items up front also lets them know you are knowledgeable about your credit and finances, which banks love to hear!

2.   Let Them Know Why You Want the Card

Banks want to know that you’ll be regularly using the card, so your reconsideration call will have a better chance of success if you tell them how you plan on using the card, how it fits into your everyday spending, and why you want it.

For example, maybe you don’t like the hassle of keeping track of rotating bonus categories, and just want the simplicity of a flat 1.5% cash back on all purchases.

The most important thing is to be honest both on the application and when you speak with them on the phone.

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Erase Any Doubt That You’ll Be a Good Customer, and You’ll Improve Your Chances of a Successful Reconsideration Phone Call!

Above all else, be polite on the call.  Sometimes the bank just needs a bit of extra information from you, so don’t sweat it!

Bottom Line

If you’re looking for a simple no-annual-fee credit card, you should consider applying for the Chase Freedom Unlimited®.  You’ll earn an unlimited 1.5% cash back (1.5X Chase Ultimate Rewards points per $1) spent on all purchases without having to worry about rotating bonus categories.

You’ll also be able to earn a welcome bonus of $150 (15,000 Chase Ultimate Rewards points) after you spend $500 on purchases in the first 3 months from account opening.

Because of the flexibility of Chase Ultimate Rewards points, this card could be a better choice than many 2% cash back cards.  If you have certain other Chase credit cards, you can transfer points from the Chase Freedom Unlimited to that card and earn a bonus of up to 50% when redeemed through the Chase Ultimate Rewards Travel Portal.  Or you could transfer the points directly to any of Chase’s travel partners, like United Airlines or Hyatt, for potentially even more value.

You’ll have a better chance of being approved for this card with a credit score of 680 and above, but because Chase also looks at other factors, it is possible to get approved with a lower credit score.

If you do not get approved for the card, you can call Chase and ask for a reconsideration.  You can emphasize your positive credit factors besides your credit score, and let them know why you want the card.

Do you have any approval tips, or did you have to call in for a reconsideration?  Let us know in the comments!

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Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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I have a score of 631 and was just approved for a Freedom Unlimited card with a 3600.00 limit yesterday 9/22/18.

Awesome! Thanks for sharing the data point John!