What is a Pre-approved Credit Card Offer?

There are several ways you can get a pre-approved credit card offer: in direct mail, an email, or by filling out a pre-qualification form on a bank’s website.

The main thing you should know about pre-qualification is that it is not an approval. In the fine print, they always say something like “pre-approved offers are subject for a credit approval”.

Basically, the process is a simple, quick check based on your parameters to determine if you fit into the credit card offer target audience – the bank makes a soft inquiry on your credit report (without damaging your credit score).

 

If you have a checking account and look for easy credit approval, Emporium card is a good option

read card review Apply Now
at issuer’s secured site
bad credit
intro purchase APR n/aregular APRSee website for Details*

no fees

Up to $5,000 Spending Limit in Less than 60 Seconds! Shop from over 100,000 brand name products such as Apple, Samsung, Sony, Gucci, Prada and much more with low easy payments.

Less than Perfect Credit Accepted. Approval is quick and easy. Must be 18 years or older, have a valid checking account and a verifiable source of income.

read review

Other pre-approved card offers:

read card review Apply Now
at issuer’s secured site
fair credit
intro purchase APR no intro offerregular APR25.24% Variable
intro BT APR no intro offer BT fee 3% min $5
rewards 1-2 points/$1 
  • 2x points on groceries, gas, utilities (excluding Target and Walmart®)
  • 1 point on all other purchases
  • redeem points towards your statement balance to offset purchases

2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases

No annual fee

Points don't expire as long as account is open, active and in good standing

Redeem points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10

No limit on the number of points you can earn or redeem

Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed

Use your card with confidence, $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us

Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad

read review
read card review Apply Now
at issuer’s secured site
good credit
intro purchase APR 0% for 12 monthsregular APR12.99 - 21.99% (V)
intro BT APR 0% for 12 months 3% BT fee $5 min
rewards 1% 2% 3% on $1 +$50 bonus
  • earn 3% back at US supermarkets (limited by $1000 spending annually, then 1%)
  • 2% on gas and in selected department stores
  • 1% back on all other purchases
  • $50 sign up bonus after spending $1000 in purchases in the first 3 months

no annual fee

up to 2-3% cash back

Amazon Prime membership free

read review
read card review Apply Now
at issuer’s secured site
fair credit
intro purchase APR 0% for 14 monthsregular APR10.99 - 22.99% (V)
intro BT APR 0% for 14 months 3% BT fee
rewards 1 or 5% 
  • earn 5% on quarterly changing category up to $1,000 quarterly maximum in purchases
  • 1% on all other purchases

 

no annual fee

5% cash back on selected quarterly category

high limits

read review
read card review Apply Now
at issuer’s secured site
no credit
intro purchase APR no intro offerregular APR24.99 - 24.99% (V)
intro BT APR no intro offer no BT fee
  • no annual fee
  • for average or no credit
  • high 24.99% APR
read review

If you decide to follow up and apply, the bank makes a more sophisticated check with a hard pull on your credit report, which potentially can hit your credit score. According to statistics, as much as 80% of pre-qualified applications successfully get approved in low score segments and up to 95% get approved if they follow up in good credit segments.

We put together a list of banks that allow you to check online if you qualify for credit card offers. It also helps in understanding what terms, rewards, and bonus options are available for you in particular instead of a wide range of APR’s you see on the site.

See if you pre-qualify for a card at the following banks (we put the best card offer for every bank, but you are free to check if you prequalify for other cards at the banks web page):

  • American express
  • Bank of America
  • Barclaycard
  • Capital One
  • Chase
  • Citibank
  • Credit One
  • Discover
  • US Bank

You should know that if that unsolicited offers bother you, you have a right to opt out from receiving them – just go to https://www.optoutprescreen.com and opt out.



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