What are the best 0% APR credit cards that offer pre-approval?

The best 0% APR credit card that offers pre-approval is the Wells Fargo Reflect® Card. It offers an introductory rate of 0% for 21 months from account opening, followed by a regular APR of 17.24% - 28.99% Variable, and it has a $0 annual fee. Wells Fargo may send out pre-approved offers by mail, and existing Wells Fargo customers may receive offers via e-mail or through their card’s online account. Plus, anyone can check their approval odds for this card and other Wells Fargo offers through the issuer’s pre-qualification page.

Note that a pre-approved offer is technically not the same thing as a pre-qualified offer, even though the two terms are often used interchangeably. Pre-approved offers are initiated by the credit card issuer, whereas a potential customer will contact the issuer to see if they’re pre-qualified for an offer. Checking for pre-qualification online does not affect your credit score, but if you respond to an offer, you almost always have to give the issuer permission to pull your credit report when you apply.

Best 0% APR Credit Cards That Offer Pre-Approval

Getting pre-approved for a 0% APR credit card means that your chances of being approved for a card are very high, if you decide to apply. Keep in mind that if you do apply, the issuer will conduct a hard inquiry into your credit history, which will lead to a slight dip in your credit score. The best 0% APR credit cards often require at least good or excellent credit to be approved, so check your latest credit score for free to gauge your odds of approval before you apply.