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All of us know how important it is to have the highest credit score possible when applying for new credit cards. You also don’t want to apply for too many at once to avoid being rejected for excessive activity. Instead, you can try to get credit card pre-approval. But what is credit card pre-approval and how do you get it?
Seeing if you qualify for a card before you apply lets you know exactly what different type credit cards you can get. It also spares you a hard inquiry that stays on your credit report for two years. And let’s not forget that temporary credit score dip that comes with every hard inquiry as well.
What is Credit Card Pre-Approval?
Pre-approval means the issuing bank performs a soft inquiry on your personal credit report from at least one of the three credit bureaus (Experian, Equifax, and TransUnion). This type of credit pull doesn’t impact your personal credit score. Chances are, banks and lenders request soft credit pulls on a regular basis to send you personalized offers for credit cards and loans.
Once you apply for a credit card, the bank will perform a hard inquiry to make an official decision. This step impacts your credit score and leaves a record of the inquiry on your report for the next 24 months.
To be clear, pre-approval never means you are guaranteed to qualify for every application. But, your approval odds for these cards are very high.
How to Request Credit Card Pre-Approval
Here are several ways you can get credit card pre-approval. It only takes a few minutes. Plus, it helps you quickly research and learn about the best credit cards for travel miles.
You can contact each bank separately to see which of their cards you qualify for. However, this strategy is time-consuming and you might overlook some options.
A quicker option is using CardMatch™. It’s free to use and lets you quickly compare curated offers from multiple banks. You enter your home address and last 4 Social Security Number digits. In a few seconds, you can browse offers from banks including American Express, Chase and Bank of America.
If you find a card you like, CardMatch directs you to the bank website to apply.
Right now, CardMatch is offering a targeted, highest-ever signup bonus for the Platinum Card from American Express. You can earn 100,000 bonus Membership Rewards points worth $1,000 in award travel. The best part is that you only spend $5,000 in the first 3 months.
Check Your Mailbox
Do credit card companies mail you pre-qualified offers on a regular basis? If so, there’s a good chance you are pre-approved for these credit cards. In many cases, the offer is the same as what you find online.
Sometimes, you receive a targeted offer that can be higher than the best limited-time credit card offers.
These offers also give you an idea of similar cards you might qualify for. For example, you might get a mailed offer for the Capital One Venture Rewards Credit Card. While this is an excellent travel rewards credit card, you may like the Chase Sapphire Preferred® Card for its flexible travel redemption options.
Tip: Compare the Chase Sapphire Preferred vs Capital One Venture Rewards to see which of these two top travel cards best works for you.
Check the Bank Website
Most national banks offer a free tool to see which cards you pre-qualify for. In some cases, you may need to be a current customer to view your personal offers.
You can enter your home address, last 4 Social Security numbers, and annual salary to get personal American Express offers. It’s possible you can get offers larger than the offer on the regular credit card webpage.
Some of the best Amex credit card offers include the following (note that some of these may be targeted offers and may not be available to everyone). Here are some of the welcome bonuses you might earn:
Platinum Card from American Express
The Platinum Card® from American Express has a great welcome bonus. New cardmembers can earn 75,000 bonus Membership Rewards® Points after spending $5,000 on purchases in the first 6 months of account opening. Cardholders also earn 10x points on eligible purchases at U.S. gas stations and U.S. supermarkets, up to $15,000 in combined purchases, during your first 6 months of card membership.
Learn more: Johnny Jet Recommended Credit Cards
Amex EveryDay Credit Card
The information for the Amex EveryDay® Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
10,000 Membership Rewards points by spending $1,000 in the first 3 months.
Cash Magnet Card
The information for the Cash Magnet® Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
$200 bonus cash after spending $1,500 in the first 3 months (usually $175 cashback).
Bank of America
Bank of America lets you see personal offers for travel, cash, and balance transfer credit cards. Like the other banks, see if the personal offer is higher than the standard offer.
Capital One requires you to enter your full Social Security number plus your residential information. Their questionnaire also asks if you’re most interested in travel rewards, cash rewards, or a low APR. Like the other banks, this is a soft credit pull.
This is an effortless way to see if you qualify for cards like the Capital One Venture Rewards Credit Card or Capital One Quicksilver.
Tip: See our recommendations for the best Capital One credit cards.
The Chase prequalified tool will show you the best available offers and options for your credit history. For example, you might use this tool to see if you qualify for the Chase Sapphire Reserve vs Chase Sapphire Preferred. Both of these cards require an above-average credit score and positive experience with handling credit cards.
In less than 30 seconds, you get an idea for if you finally qualify for one of the best Chase credit cards of your choice.
As Chase has the most restrictive application guidelines, it’s still a good idea to know how many new credit card accounts you have opened in the last 24 months. Being the primary or authorized user on at least 5 credit cards in the most recent 24 months means Chase will most likely decline your application.
This restriction applies to all Chase credit cards that earn Ultimate Rewards points and most branded airline and hotel cards.
Quickly see if Citi preapproves you for leading credit cards like the Citi DoubleCash.
Wells Fargo doesn’t provide a prequalification tool to non-members. If you already have a Wells Fargo account, you can call their support team or visit your local branch to see if you can get pre-approval for any of their cards.
It’s quick and free to get credit card pre-approval for most banks. Being an existing customer may give you the best chance of seeing the best personalized offers. But the easiest pre-approval tool can still be using a comparison site like CardMatch that partners with multiple banks. By doing this, you can compare different offers with one search.
Learn more: CardMatch™
Chase Sapphire Preferred® Card
- Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening.
- Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
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