Preapproval means a credit card issuer has reviewed your credit history using a soft credit check to determine whether you’re eligible for a credit card. Bank of America® Unlimited Cash Rewards credit cardĬiti asks for your name, address, last four digits of your Social Security number and the type of card you want:.Bank of America® Premium Rewards® Elite credit card *.Bank of America® Travel Rewards credit card.The Platinum Card® from American Expressīank of America requires your name, date of birth, last four digits of your Social Security number and what type of card you want:.Blue Cash Preferred® Card from American Express.Blue Cash Everyday® Card from American Express.Discoverĭiscover asks for name, Social Security number, annual income, monthly bill payments, housing status and more:Īmerican Express requires a home address, annual income and the last four digits of your Social Security number: Chase will automatically match all the cash back you earned at the end of your first year! There is no limit to how much cash back you can earn. SPECIAL OFFER: Unlimited Matched Cash Back. Capital One Platinum Secured Credit Card.Capital One Quicksilver Secured Cash Rewards Credit Card.Capital One QuicksilverOne Cash Rewards Credit Card.Capital One VentureOne Rewards Credit Card.Capital One Venture Rewards Credit Card.Capital One SavorOne Cash Rewards Credit Card.Capital One Quicksilver Cash Rewards Credit Card.Credit Cards That Offer Preapproval Capital OneĬapital One requires your name, date of birth, Social Security number and what kind of card you want, among other personal details: Here are some of the best card offers we’ve seen on the market. If your preferred card issuer is not listed here, contact the company by phone or email to ask if it has pre-qualifying offers. Not every credit card is eligible for preapproval and you will have to inquire with the issuer directly to determine which offers you may be pre-approved for, if any. Find cards from the following issuers in our lists below: Each issuer requires different information from the applicant, ranging from name and email address to income and housing status. offer preapproval for at least some of the cards in their lineups. Issuers With Credit Cards That Offer Preapproval in 2023 This being said, you’ll usually stand a good chance of getting what you’re shopping for if you submit a formal application within the preapproval window. Receiving a preapproval for a card won’t guarantee the issuer will give final approval with the terms initially offered. Once the applicant decides to apply the issuer will do a formal credit pull before making a final decision. Preapprovals don’t usually harm credit because issuers perform soft credit checks to determine eligibility. Most card issuers offer preapproval or pre-qualification, allowing applicants to see if approval for a card is likely without committing to a formal application.Īpplicants can shop around and fill out as many preapproval applications as desired. By preapplying for a credit card, much of the uncertainty can be avoided. Will you receive an approval? Will the APR be low enough? What will your credit limit be? Besides the unknowns, issuers make hard inquiries against your credit report(s) when evaluating your creditworthiness. Applying for a new credit card can come with concerns.
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