Chip Lupo, Credit Card Writer
@CLoop
Yes, Capital One does have pre-approval. Capital One has an online pre-approval page where potential applicants can quickly check their odds of approval for certain Capital One credit cards before they actually apply for one. Current Capital One customers may also receive pre-approved offers periodically by e-mail or when logging into their card’s online account. And in some cases, Capital One will send people pre-approved offers for a specific credit card in the mail.
Getting pre-approved for a Capital One credit card indicates that your chances of being approved for an account are very high, should you decide to apply. It does not mean that approval is guaranteed.
How to Check for Capital One Pre-Approval Online
- Click “See if You’re Pre-Approved” on the Capital One website.
- Log in to your “Capital One account.”
- Enter your name, address, date of birth and Social Security number.
- Click “See Your Card Offers” to view any pre-approved offers.
If you have pre-approved offers, you can apply for the card of your choice directly from the pre-approval site. Simply click the button next to the card you want, and you will be directed to the card’s application page.
To respond to a pre-approved offer in the mail, visit the website listed in your pre-approval letter and enter the invitation code included with your offer. This allows Capital One to flag the application as pre-approved.
Capital One 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 any Capital One card, Capital One will conduct a hard inquiry, which will lead to a slight, but temporary decrease in your credit score.

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