Best Credit cards that offer Preapproval

Are you in search of a new credit card with low APR and good credit limit? If yes look at the best credit cards that offer preapproval. When the credit card issuers make a hard inquiry at the start, it will impact your creditworthiness. This is where pre-approved credit cards comes in to alleviate your stress. By pre -applying for the credit card, you can avoid uncertainty . The best credit cards that offer preapproval ask you about basic information and quickly determine your likelihood for the approval.

The good aspect is that with the hard inquiry applicants can easily file out as many preapproval applications as possible. As it’s a soft credit check it will not harm your credit score at all. But once you qualify for the card the credit card issuer will do a hard inquiry before giving their final verdict. But let’s first dive into the details of issuers with best credit cards that offer preapproval and later into the card details.

Credit card issuers with best credit cards that offer preapproval

Most of the famous credit card issuers offer pre-approval on some of their cards. Each issuer requires the user to provide different kind of information that includes the basics , name, email, income and housing status . Below are some of the major credit card issuers with best credit cards that offer preapproval.

1.  American Express
2.  Capital One
3. Chase
4.  Citi Bank
5. Discover
6.  Bank of America

 It is important to note that not every credit card is eligible for pre-approval, some require hard inquiry at the start. If you are looking for any of the card that is not on the list of best credit cards that offer preapproval, try to contact the issuer through email or phone to ask for the pre-qualifying offers.

Credit Card Issuers Pre-Approval Criteria

Issuer	Pre-Approval Criteria	Required Information
American Express	Good credit score (670+), sufficient income, low debt-to-income ratio	Full name, address, last four digits of social security number, email address, and income. Moreover, it also offers to apply with confidence option for some of its cards
Capital One	Fair credit score (580+), sufficient income, low debt-to-income ratio	Full name, address, last four digits of social security number and requirements for the card you want to opt for
Chase	Good credit score (670+), sufficient income, low debt-to-income ratio	Full name, address, last four digits of social security number
Citi Bank	Good credit score (670+), sufficient income, low debt-to-income ratio	Full name, address, last four digits of social security number and requirements for the card you want to opt for
Discover	Fair credit score (580+), sufficient income, low debt-to-income ratio	Full name, date of birth, address, last four digits of social security number, housing status, income, recent bank accounts, whether you are a student or not  and  what kind of card you want
Bank of America	Good credit score (670+), sufficient income, low debt-to-income ratio	Full name, date of birth, address, last four digits of social security number, and email address along with details about what kind of card you want to opt for

Credit cards that offer Preapproval

American Express

After clicking on the credit card details separately , visitors can easily check the cards that offer preapproval on the American Express site. The form for doing this is named as preapproval check ,. Fill the form out to check your initial approval for a certain American Express card. The list of the credit cards that offer preapproval from the leading credit issuer, American Express includes the following

•  Blue Cash Preferred® Card from American Express
• American Express® Gold Card

• Blue Cash Everyday® Card from American Express
• The Platinum Card® from American Express
• American Express® Green Card

Capital One

 Capital One thoroughly advertises about the best credit cards that offer preapproval on its website. A generic preapproval pages requires basic information for the soft pull. You have to fill this information out to check your status. Capital One cards that offer preapproval steps include the following :

• Capital One QuicksilverOne Cash Rewards Credit Card
• Capital One Venture Rewards Credit Card
• Capital One VentureOne Rewards Credit Card
• Capital One SavorOne Cash Rewards Credit Card
• Capital One Platinum Secured Credit Card
• Capital One Quicksilver Secured Cash Rewards Credit Card

Chase

 Chase offers few cards with online application for preapproval. All you have to do is to log into your Chase account and can see multiple offers based on your existing relationship with the bank . The best credit cards that offer preapproval include the following ones

•  Chase Sapphire Preferred® Card
• Chase Sapphire Reserve® Card
• Chase Freedom Unlimited®

Citi Bank

 Citi Bank asks for minimal details for the soft inquiry. Although it does not show any preapproval form on its website and it shows pre-screen page that does the same job as pre-qualification. Moreover , it does not particular indicates that this feature applies to its credit cards. But the cards that have a pre screen page includes the following

•  Citi® Double Cash Card
•  Citi Premier® Card
•  Citi® Diamond Preferred Card
•  Citi Simplicity® Card

 Discover

 Discover also advertises preapproval credit cards on its websites that include the following options:

• Discover it® Miles
• Discover it® Student Cash Back
• Discover it® Cashback

Bank of America

 Bank of America being the leading credit card issuer calls it “ Pre-qualification form as “ personalized offers” It offers this all its  present card holders . The prospective cardholder can have more chances for the approval. But few of the best credit cards that offer preapproval include the following :

•  Bank of America® Travel Rewards Credit Card
• Bank of America® Premium Rewards® Elite Credit Card
• BankAmericard® Credit Card
•  Bank of America® Unlimited Cash Rewards Credit Card

Top Picks for the Best Credit cards that offer Preapproval

• Chase Sapphire Reserve® – Best premium preapproved credit card
• Capital One Quicksilver One Cash Rewards Credit Card – Great pick for average credit and greater rewards
• Blue Cash Everyday® Card from American Express – Great preapproved credit card for high spenders in grocery stores
• Discover it® Cashback – Best cash back credit card with no annual fee
• Capital One Platinum Credit Card – Best card for average credit along with no annual fee

Quick Summary – Best Credit cards that offer Preapproval for 2024

Best Credit cards that offer Preapproval	Best for	Preapproval criteria	Annual fee
Chase Sapphire Reserve®	Premium rewards	Good credit score (670+), sufficient income, low debt-to-income ratio	$550
Capital One Quicksilver One Cash Rewards Credit Card	Average or better credit	Fair credit score (580+), sufficient income, low debt-to-income ratio	$39
Blue Cash Everyday® Card from American Express	Grocery spenders	Good credit score (670+), sufficient income, low debt-to-income ratio	None
Discover it® Cashback	Cash back	Fair credit score (580+), sufficient income, low debt-to-income ratio	None
Capital One Platinum Credit Card	Average credit	Fair credit score (580+), sufficient income, low debt-to-income ratio	None

Chase Sapphire Reserve®

 This card gained the top position among the best credit cards that offer preapproval for all those who like to gain Chase points for travel and dining majorly. There are multiple perks of this card that includes earning 10 x points on car rental and hotels that are booked through the Chase Ultimate Rewards®. You can easily earn 5x points on flights, 3x points on other travel and dining purchases. In brief , this card is a full-fledged package for frequent travelers who are interested in gaining Chase points.

Best Credit card for Restaurants and Dining

 If you prefer to dine out frequently at your favorite restaurants then the Chase Sapphire Reserve® card is a must-have option in the wallet. With this card you get greater points for dining out that can redeemed for travel , gifts and statement credit.

Capital One Quicksilver One Cash Rewards Credit Card

Being the best credit cards that offer preapproval, the preapproval request criteria is simple and straightforward. Just go to the preapproval page on The Capital One website to full the basic details for the preapproval of this card. This card is primarily geared towards those with average FICO score of 630 or above. Furthermore, the pre-qualification process can lessen your odds for eligibility .

 This card can earn you a cashback of 1.5% on all purchases. Also, within the duration of six months the cardholders can increase their credit limit with on-time payments.

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express is one of the viable card options among the best credit cards that offer preapproval and requires FICO score of 690 and above. This card is primarily  for people with good credit and for all who spend extravagantly on U.S supermarkets and U.S gas stations. For the preapproval process you have to go through the pre qualification page on the American Express website .

This card earns greater cashback of 3% on U.S supermarkets and U.S gas stations with a spending limit of 6,000 per year on each individual category. The card comes with no annual fee and also offers 1% cashback on all other purchases.  

Best Credit Cards for Groceries

With the best reward cards you can save substantial money on groceries. The preferred option in the list of the best grocery credit cards are Blue Cash Prefered® Card from American Express, Blue Cash Everyday® Card from American Express, Citi Custom Cash Card among many others. Grab these cards and start saving money on purchases from U.S supermarkets.

Discover it® Cashback

 The Discover it® Cashback is one of the best credit cards that offer preapproval with total of 5% cash back on popular spending categories with a certain spending limit. The greatest benefit is that as a welcome bonus the rewards are matched at the end of the year. Being a no annual fee credit card you can spend on  categories like groceries, gas stations, restaurants to maximize your earning potential. Apart f rom the bonus categories, you get 1% cash back on all other purchases.

Best no annual fee credit cards

The best no annual fee credit cards offer rewards on a wide swath of categories that include travel , dining , groceries and much more. If you are low on budget then these cards can be a better way to earn rewards while saving the huge annual fee.

Capital One Platinum Credit Card

 The preapproval for the Capital One card is extremely simple, you just have to go through preapproval page on the website to fill out the basic details. Being in the list of the best credit cards that offer preapproval, it is a low-maintenance option for those with fair credit. With no annual fee , you will be automatically considered for a higher credit limit in the duration of 6 months.

As this card charges no foreign transaction fee hence it is regarded as a good travel companion . In brief , all those who carefully manage their cash flows this card offers the option to select the payment due date.

What are the pros and cons of pre-qualified credit cards?

As all the things in this world has their own advantages and disadvantages so preapproval credit cards also has its own set of pros and cons.

Pros of pre-qualified credit cards

Applying for pre-approval of the credit card is relatively simple process. You just have to apply on the credit issuers website and it wont harm you credit score . In this way you can file preapproval request of multiple cards and can choose the one that fit well with your spending habits. Many of times the card issuer might share the regular APR and credit limit on the card.

Cons of pre-qualified credit cards

 The cons are few but it might be a hassle for many to file multiple pre-approval requests on  the websites of different banks. The major downside is that if you get approved there is still a chance of getting your final application denied based on the hard inquiry. Also , if y our financial situation changes within a short span of time , there are higher chances of getting the rejection of the formal application.

How does the preapproval process work?

 Mostly the credit card issuer has preapproval forms online . You just need to fill out the basic information including full name , address, social security number and annual income as per the requirement of the credit card issuer. Once you fill out , you will receive personal offers depending upon the soft pull of the card issuer. If you are prequalified for the best credit cards that offer preapproval, then the card provider will proceed with the hard credit check .

Frequently Asked Questions