Pre-approved credit cards are offers made by credit card companies that indicate you will have a high likelihood of approval if you apply. In addition to pre-approved offers, which are sent by mail or email, most major credit card companies allow people to pre-qualify for their cards.
|Credit Card Company||Lets You Check for Pre-approved Offers?||Mails Pre-approved Offers?||Min. Credit Required|
|Bank of America||Yes||Yes||Bad|
|USAA||Yes (members only)||Yes||Bad|
|U.S. Bank||Yes (existing customers only)||Yes||Bad|
Note: Min. Credit Required refers to the easiest credit card to get from each issuer.
The main difference between getting pre-approved for a credit card and checking to see if you’re pre-qualified is who makes the first move. With pre-approval, it’s the credit card company. With pre-qualification, it’s the potential applicant. But receiving either means your odds of approval are 80%+, and neither will have any impact on your credit score.
You can learn more about how the credit card pre-approval process works below. You can also get personalized recommendations for credit cards with high approval odds by signing up for a free WalletHub account.
As you can see above, credit card companies offer different types of pre-approved credit cards. All major issuers pre-screen consumers and mail pre-approved offers to those who seem to meet the exact criteria they’re looking for. This is essentially an invitation to apply and a sign that you have very good odds of approval.
Credit card companies that allow you to take pre-approval into your own hands are less common. But not by much. Seven of the 12 largest issuers allow anyone to check which cards they’re pre-approved for online.
The best pre-approved credit cards are simply the best overall credit cards that happen to offer pre-approval. So they differ based on your credit standing as well as your spending and payment habits. WalletHub’s editors compared 1,000+ offers to find the best cards for people at each credit level. You can check out their picks below.
|Best For||Card Name||Offers Pre-approval?||Min. Credit Required||Editor’s Rating|
|0% Purchases||Citi Simplicity® Card||Yes||Good||3.7 / 5|
|Fair Credit||Capital One QuicksilverOne Cash Rewards Credit Card||Yes||Limited History||4.7 / 5|
|Newcomers||Capital One Platinum Credit Card||Yes||Limited History||5.0 / 5|
|Students||Journey Student Rewards from Capital One||Yes||Limited History||5.0 / 5|
|Bad Credit||Discover it® Secured Credit Card||Yes||Bad||5.0 / 5|
|Business||Capital One® Spark® Cash for Business||Yes||Good||5.0 / 5|
For a personalized recommendation, sign up for a free WalletHub account. We’ll tell you which credit cards offer the highest approval odds, based on your latest credit score and report. Only WalletHub offers free credit scores and reports that are updated on a daily basis.