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To help you find the right credit card for your needs, WalletHub’s editors picked a handful of their favorite cards from issuers offering pre-approval with a soft pull. This includes a cash back credit card, a 0% credit card and a pair of travel rewards cards.
Credit card prequalification, also called preapproval, uses a soft credit inquiry (the non-damaging kind) to get a basic idea of your credit risk to estimate whether you would be approved for a given card.
Many issuers can determine your odds of qualifying without a credit check. A few cards show an offer, with a credit limit and APR, before you accept.
There are very few credit card options that do a soft pull for approval, but most cards will let you get preapproved with a soft pull. This means you can have the issuer check your credit report to determine whether you’ll be approved before you apply.
By pre-qualifying for a credit card via a soft inquiry, which doesn’t affect your credit at all, you can gauge your chances of being approved for a card when formally applying. It’s not...
A soft pull credit card allows you to check your eligibility or get pre-qualified without a hard inquiry on your credit report. This means you can explore your options without risking a temporary dip in your credit score , which typically happens with a hard pull.
Preapprovals can be a great tool when searching for the perfect credit card. For example, you can find targeted welcome bonuses that are more generous than those publicly...
Now, prospective cardholders can submit an application for an American Express credit card and find out if they’re approved before undergoing a hard credit check. This approval feature...
Sometimes called “no credit check” credit cards, soft pull cards allow you to apply for credit or open a new account without a hard pull. Ultimately, this is why soft pull credit cards can be useful if you have bad credit or a limited credit history and want to protect your score.
Check for preapproval offers: Many credit card issuers offer preapproval checks without performing a hard credit pull. Take advantage of these offers to determine if you are likely to be...