Soft Pull Pre-Qualified Credit Card Offers- Complete List

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30+ Bank & Store Credit Card Soft Pull Pre-qualification Links

One of the most common questions I get asked is if there is a way to figure out what your odds of getting approved for a new credit are before you even attempt to apply and well I have the best thing we have available to us as consumers and that is called a pre-qualified offer.

A pre-qualified offer allows you to insert in a basic amount of personal information (sometimes even full SSN) and then they do a “soft pull” on your report and give you a decision on if they think you will be approved for their cards and list out which ones. Keep in mind that ALL pre-qualified offers do NOT pull a hard inquiry, just a soft pull.

Lastly getting a yes or offer of one or more cards on a pre-qualified offer does NOT guarantee you will in fact get the card (I would argue that most of them do mean you get the card, but have to say it). I personally have a process I use which does increase the odds considerably but use this more as a gauge vs a definitive decision.

How To Find Pre-Qualified Offers

The easiest way to find pre-qualified offers is to go to a bank website and look at the menu options under credit cards and see if they have an easy link to spot right there for checking your pre-qualified offers. You can also check if you are using Credit Karma or even Experian paid, has offers/recommendations which are usually pre-qual offers.

What Information Do They Ask For?

They usually ask for full name, address, phone, DOB and either last 4 of your SSN or full SSN, along with a few questions on what type of care you are looking for. To find out which credit card bureaus these institutions pull your credit profile from, read over our Master Credit Card Lender List.

Pre-qualified Credit Card Offers

Here is the most complete list I have on soft inquiry pre-qualified offers…

BankLinkNotes
Capital Onehttps://itsdumbmoney.com/Cap1prePulls all 3 bureaus
BOAhttps://itsdumbmoney.com/BOApre
Chasehttps://itsdumbmoney.com/chasepre
American Expresshttps://itsdumbmoney.com/amexpre
Discoverhttps://itsdumbmoney.com/discopre
Citibankhttps://itsdumbmoney.com/citiprepre-qual currently off
Well Fargohttps://itsdumbmoney.com/wellspre
HSBChttps://itsdumbmoney.com/hsbcprepre-qual currently off
FBNOhttps://itsdumbmoney.com/fnbopre
BBVAhttps://itsdumbmoney.com/bbvapreRewards credit card
BBVAhttps://itsdumbmoney.com/clearpointspreClearpoints credit card
BB&Thttps://itsdumbmoney.com/bbtpreOnly 17 states
Regionshttps://itsdumbmoney.com/regionspreOnly 15 states
NASA Credit Unionhttps://itsdumbmoney.com/nasapreDetailed Video
USAlliancehttps://itsdumbmoney.com/usapre

Fintech Card Soft Inquiries

InstitutionLinkNotes
Apple Card (Goldman Sachs)https://itsdumbmoney.com/apppreSoft pull application
Deservehttps://itsdumbmoney.com/despreTop of page
Bank Mobile Credithttps://itsdumbmoney.com/bmpreDeserve co-brand
Petalhttps://itsdumbmoney.com/petalpreWebbank
Upgrade Credit Cardhttps://itsdumbmoney.com/upcard
Payoffhttps://itsdumbmoney.com/paypredebt consolidation

Credit Building Soft Inquiries

InstitutionLinkNotes
Merrick Bankhttps://itsdumbmoney.com/merrpreby far best one
on the list
Avanthttps://itsdumbmoney.com/avapreWebbank
Surge https://itsdumbmoney.com/surgepreJunk
Reflexhttps://itsdumbmoney.com/refpreJunk
Credit Onehttps://itsdumbmoney.com/cobpreJunk

Store Card Pre-Qualifications

Store cards are run by the following banks; Synchrony (116 store cards) Comenity (91 store cards), Barclays and a few by Capital One (Kohls, Walmart). Synchrony cards tend to not have a pre-qualification offer (As of May 2021 many of these cards do in fact have a pre-qualification option), Comenity cards do, depending on the store and many of them allow for a last 4 SSN only and don’t hard pull (Victoria’s Secret for example asks for last 4 SSN and still hard pulls) Best suggestion here is to look around the site completely, if you can’t find the credit card offer in the footer then try to add a few things to the shopping cart and go through part of the checkout process and see if they offer a credit card, if not then cancel cart as they don’t offer a pre-qualified offer.

There is also the shopping card trick which is where you add products to your cart in an incognito browser in an attempt to trigger their finance your purchase options to get pre-approved for a store card, I will cover this indepth in another post.

StoreLinkNotes
Yamaha Vehicleshttps://itsdumbmoney.com/yampre
Cocoon by Sealyhttps://itsdumbmoney.com/sealpreWells Fargo
Tempur-pedichttps://itsdumbmoney.com/temppreWell Fargo
Kohls Store Cardhttps://itsdumbmoney.com/kohlspreCapital One
Toyota Vehicleshttps://itsdumbmoney.com/toypreComenity
Ikea Store Cardhttps://itsdumbmoney.com/ikeapreComenity
Lexus VehiclesLink will change so I removedpre-qual currently off
Dell Preferred Accounthttps://itsdumbmoney.com/dellpreWebbank
Lowes Store Cardhttps://itsdumbmoney.com/lowespreSynchrony Bank
Home Depothttps://itsdumbmoney.com/hdprePre-qual back on
Walmart Store Cardhttps://itsdumbmoney.com/walpreCapital One

Credit Unions/Small Banks

A lot of banks are relationship based so they will require you to first get a bank account setup with them and let a certain amount of time pass before they will start showing you personalized offers. You will usually see this once you login, it will be called something like special offers, offers for you, etc. Security Services Federal Credit Union, Navy Federal Credit Union, DCLU and even Chase bank all work this way. Now, not saying you couldn’t just got apply for a card with 0 account right now, but if your score is below 720, it helps to create a relationship first. Understanding fico score ranges will help you see where you fall and what APRs you can expect to pay.

Frequently Asked Questions

What is a pre-qualification?

In general, to pre-qualify is about passing or meeting an initial criteria or requirements before getting other opportunities opened up. Pre-qualifications are conditional and involve the lender reviewing a borrower’s creditworthiness before granting a pre-approval. Usually this involves basic personal information, basic income information and either last 4 SSN or full SSN.

What is a pre-approval?

This is an approach the banks and institutions take to allow you to get an idea if you will get approved for one of their credit products without having them pull your full credit report. So this puts what’s called a soft-pull on your credit file which doesn’t affect your credit score. Pre-approval and pre-qualification can mean different things to different banks.

What is a soft pull?

A soft pull or soft inquiry refers to the banks taking a quick look at your credit report without pulling the full report. They will tell you if the pre-qualification will affect your credit or not, 99% of the time if they say it wont then that is true. They may need just the last 4 of your SSN or they may ask for your full SSN even though they won’t pull your credit.

Does a pre-qualification guarantee approval?

No. I would say this never means you will 100% get approved, its merely a tool to gauge your odds. With some banks it means more than others, for example if you get a pre-qualification come back on American Express that means your odds are really good, where as a pre-qualification from a Comenity store card doesn’t really mean much.