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To help you find the right credit card for your needs, WalletHub’s editors picked a handful of their favorite cards from issuers offering pre-approval with a soft pull. This includes a cash back credit card, a 0% credit card and a pair of travel rewards cards.
Credit card prequalification, also called preapproval, uses a soft credit inquiry (the non-damaging kind) to get a basic idea of your credit risk to estimate whether you would be approved for a given card.
Credit Cards That Offer Pre-Qual or Preapproval Without a Hard Pull. Many issuers can determine your odds of qualifying without a credit check. A few cards show an offer, with a credit...
By pre-qualifying for a credit card via a soft inquiry, which doesn’t affect your credit at all, you can gauge your chances of being approved for a card when formally applying. It’s not always...
Preapproved credit cards: Preapproved credit cards let you see if you’re eligible before applying for the card with a soft pull. Just know that when you apply for the card, a hard pull will apply. The Chase Freedom Unlimited ® card is an excellent $0 annual fee card that allows you to get preapproved before you apply.
This approval feature involves a soft credit check, which won’t have an impact on the applicant’s credit score. If they then accept the card, the issuer will run a hard credit check, which can...
|. Editor: Sam Onelia. Last updated: September 12, 2024. Soft pull credit cards allow you to check your eligibility without impacting your credit score. These cards are ideal for individuals with less-than-perfect credit who want to explore various options, from secured cards to rewards programs.