Best Preapproved Credit Card Offers
Check out these easy credit cards to get approved for.Update: Some offers mentioned below are no longer available or the benefits and terms have changed. View the issuer’s site for current information.
When shopping for a new credit card, you want to get the best deal for your credit score and personal needs. There are cards for individuals with excellent credit, as well as cards for those who are working on rebuilding their credit. Some of the cards offer cash back, while others provide travel rewards. Instead of filling out multiple applications, which can result in a hard pull on your credit that can affect your credit score, you’ll want to check if you’re preapproved first. This process only results in a soft pull on your credit, so it won’t affect your credit score.
There are two methods companies use to offer a credit card preapproval. Credit card companies will either send a letter of preapproval in the mail with a special invitation code for you to enter on their website, or they’ll have a direct link on their site with a few fields for you to fill in. It is important to note that although you might receive preapproval, it’s not a guarantee that you’ll get approved for a credit card.
Top Companies That Offer Preapproved Cards
Take a look at some of the best preapproved credit card offers you might qualify for:
| Top Preapproved Credit Card Companies | |||
| Credit Card Company | Issues Preapproval Offers Online | Issues Preapproval Offers in the Mail | Required Credit Score |
| American Express | Yes | Yes | Good to Excellent |
| Barclays | Yes | Yes | Fair |
| Bank of America | Yes | Yes | Excellent |
| Capital One | Yes | Yes | Fair |
| Chase | Yes | Yes | Good to Excellent |
| Citibank | Yes | Yes | Good to Excellent |
| Credit One Bank | Yes | Yes | Poor |
| Discover | Yes | Yes | No credit |
| US Bank | Yes | Yes | Poor |
| Wells Fargo | No | Yes | Poor to Excellent |
| Information accurate as of Aug. 30, 2018. | |||
The Best Prequalification Credit Cards
Once you know which banks have easy approval credit cards with the option to prequalify, you can begin looking at specific credit card offers. Below is a list of the top 10 cards that provide preapproval before requiring you to put in an application for credit card approval.
| The Top Prequalification Credit Cards | |||
| Card Name | Sends Preapproval Offers | Annual Fee | Best for… |
| American Express Everyday Blue Cash | Yes | $0 | Families and frequent shoppers |
| Discover it Miles | Yes | $0 | Travelers |
| Citi Simplicity | Yes | $0 | Balance transfers |
| U.S. Bank Visa Platinum Card | Yes | $0 | Balance transfers and cell phone protection |
| Barclaycard Ring MasterCard | Yes | $0 | Foreign and international purchases |
| Bank of America Travel Rewards | Yes | $0 | Travelers and established Bank of America customers |
| Discover it Student Cash Back | Yes | $0 | Students |
| Chase Freedom Unlimited | Yes | $0 | Shoppers and balance transfers |
| Capital One Platinum | Yes | $0 | Those in need of a higher credit line, roadside assistance and extended warranty protection |
| Wells Fargo Secured Credit Card | Yes | $25 | Building or rebuilding credit and foreign nationals |
| Information accurate as of Aug. 30, 2018. | |||
Credit Card Eligibility
To get approved for a credit card you’ll need to meet the eligibility requirements. Since each credit card company and specific card offer have different criteria for approval, filling out the company’s preapproval form is a great way to get started on finding the perfect credit card for you.
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Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been reviewed, approved, or otherwise endorsed by American Express.
Editorial Note: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.
Editorial Note: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.
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