Chip Lupo, Credit Card Writer
Yes, the Aspire Card does have pre-approval. Aspire actually requires applicants to check for pre-approval before they can apply, so you will have a good idea of your approval odds if you choose to apply. Getting pre-approved for an Aspire Card means that your chances of being approved for an account are very high if you apply, but it does not mean that approval is guaranteed.
Aspire Card pre-approvals do not affect your credit score, as they’re done using a soft “pull,” or inquiry. But if you decide to submit an application for the Aspire Card, Aspire will conduct a hard inquiry, which will lead to a slight but temporary decrease in your credit score.
Aspire® Cash Back Reward Card
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The hard inquiry stays on your credit report for 2 years, do not apply for this card, there are many who will not do a hard inquiry and give you the decision you need