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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 Cards That Offer Pre-Qual or Preapproval Without a Hard Pull. Many issuers can determine your odds of qualifying without a credit check. A few cards show an offer, with a credit...
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.
Credit card preapproval means a credit card issuer has reviewed your credit history using a soft credit inquiry to determine whether you’re eligible for a credit card.
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.
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 always...
Preapproved credit cards let you see if you’re eligible before applying for the card with a soft pull. Just know that when you apply for the card, a hard pull will apply. The Chase Freedom Unlimited ® card is an excellent $0 annual fee card that allows you to get preapproved before you apply.