Many credit card issuers offer prequalification applications. These tools allow you to see if you are likely to get approved for a card (or multiple cards) without a resulting hard inquiry appearing on your credit report. Some lenders will even present the details of your offer, including your credit limit and APR.
Hard inquiries lower your credit score, and too many of them in a short period of time can be a red flag to lenders. If you are seen as aggressively seeking new credit, you may be perceived as a higher risk. So, using prequalification apps that only use a “soft pull” can be beneficial, especially if you are building or rebuilding your credit.
Multiple offer major credit card prequalifications
These lenders use a single prequalification application to determine your eligibility for multiple cards. This can help you narrow your choices when you are considering a card from a major issuer. This can also lead to some surprising approvals when you are unsure whether you might meet the criteria for a particular card.
- American Express
- Bank of America
- Capital One
- Credit One
- Discover
- Gesa Credit Union
- Navy Federal Credit Union – Must already be a Navy Federal member to use the prequalification app
- Northwest Bank
- Patelco Credit Union
- Petal – Cards issued by WebBank
- Regions
- USALLIANCE Federal Credit Union
- Wells Fargo
Single offer major credit card prequalifications
These cards have a dedicated prequalification application. However, in some cases where you don’t qualify, you might be presented with an alternative, such as a secured card or a closed-loop card.
- Aspire Cash Back Reward Card – Issued by The Bank of Missouri
- At Home Insider Perks Mastercard – Issued by Synchrony Bank (if approved, prequal will offer either the Mastercard or the store card)
- Avant Credit Card – Issued by WebBank
- Belk Rewards+ Mastercard – Issued by Synchrony Bank (if approved, prequal will offer either the Mastercard or the store card)
- Capital on Tap Business Credit Card – Issued by WebBank
- Crate & Barrel Mastercard – Issued by Synchrony Bank (if approved, prequal will offer either the Mastercard or the store card)
- Deserve EDU – Issued by Celtic Bank
- Destiny Mastercard – Issued by First Electronic Bank
- Fortiva Credit Card – Issued by The Bank of Missouri
- Indigo Mastercard – Issued by Celtic Bank
- Merrick Bank Credit Card
- Milestone Mastercard – Issued by The Bank of Missouri
- Mission Lane Visa – Issued by Transportation Alliance Bank
- My GM Rewards Card – Issued by Goldman Sachs
- myWalgreens Mastercard – Issued by Synchrony Bank (if approved, prequal will offer either the Mastercard or the store card)
- NASA Federal Visa Classic
- NASA Federal Visa Platinum Advantage Rewards
- NASA Federal Visa Platinum Cash Rewards
- NASA Federal Visa Star Trek Credit Card
- Oportun Visa – Issued by WebBank
- OppFi Card – Issued by First Electronic Bank
- Overstock Mastercard – Issued by Citi
- Prosper Card – Issued by Coastal Community Bank
- Reflex Mastercard – Issued by Celtic Bank
- Sam’s Club Mastercard – Issued by Synchrony Bank (if approved, prequal will offer either the Mastercard or the store card)
- Surge Mastercard – Issued by Celtic Bank
- Target RedCard Mastercard – Issued by TD Bank (if approved, prequal will offer either the Mastercard or the store card)
- Teamster Privilege Credit Card – For current or retired Teamsters and family members – Issued by Capital One (prequal will consider eligibility for three variants of the card)
- Union Plus Credit Card – For current or retired members of participating unions and family members – Issued by Capital One (prequal will consider eligibility for three variants of the card)
- Wayfair Mastercard – Issued by Citi (if approved, prequal will offer either the Mastercard or the store card)
- X1 Card – Issued by Coastal Community Bank
Closed loop credit card prequalifications
Closed loop credit cards are intended for use with a specific merchant or merchant group. Sometimes, though, if the merchant also has a co-branded major credit card, their prequalification app will consider you for the major card before offering the store card as an alternative.
- 76 / Conoco / Phillips 66 Credit Card – Issued by Synchrony Bank
- Amazon Store Card – Issued by Synchrony Bank
- At Home Insider Perks Credit Card – Issued by Synchrony Bank (if approved, prequal will offer either the Mastercard or the store card)
- Bassett Credit Card – Issued by Synchrony Bank
- Belk Rewards+ Credit Card – Issued by Synchrony Bank (if approved, prequal will offer either the Mastercard or the store card)
- Bob’s Discount Furniture Credit Card – Issued by Wells Fargo
- CareCredit Credit Card – Issued by Synchrony Bank
- CITGO Rewards Card – Issued by Synchrony Bank
- Cocoon by Sealy Credit Card – Issued by Wells Fargo
- Crate & Barrel Credit Card – Issued by Synchrony Bank (if approved, prequal will offer either the Mastercard or the store card)]
- Harbor freight Credit Card – Issued by Synchrony Bank
- IKEA Projekt Card – Issued by Comenity Capital Bank
- Lenovo Credit Card – Issued by Synchrony Bank
- Lowe’s Advantage Card – Issued by Synchrony Bank
- Kohl’s Credit Card – Issued by Capital One
- Menards BIG Card – Issued by Capital One
- myWalgreens Credit Card – Issued by Synchrony Bank (if approved, prequal will offer either the Mastercard or the store card)
- Overstock Store Credit Card – Issued by Comenity Capital Bank
- Pep Boys Synchrony Car Care Credit Card – Issued by Synchrony Bank
- Rooms To Go Credit Card – Issued by Synchrony Bank
- Sam’s Club Credit Card – Issued by Synchrony Bank (if approved, prequal will offer either the Mastercard or the store card)
- Shane Co. Credit Card – Issued by TD Bank
- Sweetwater Card – Issued by Synchrony Bank
- Target RedCard – Issued by TD Bank (if approved, prequal will offer either the Mastercard or the store card)
- Tempur-Pedic Credit Card – Issued by Wells Fargo
- The Home Depot Consumer Credit Card – Issued by Citi
- Wayfair Credit Card – Issued by Citi (if approved, prequal will offer either the Mastercard or the store card)
- Yamaha Card – Issued by WebBank