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How to prequalify for Capital One credit cards

Get a customized list of cards before you apply.


Fact checked

Capital One’s prequalification tool can be especially useful if you don’t know which cards you’d likely get approval for.

After you submit a few personal details, you can see customized card offers within 60 seconds.

How do I get prequalified for a Capital One credit card?

  1. Go to the Capital One prequalification page.
  2. Complete the prequalification form with your name, date of birth, Social Security number and residential address. Also, select which card benefit matters most to you and where your credit stands.
  3. Click the box next to I understand that this is not a credit card application.
  4. Review your application and click See your card offers to submit your prequalification request.

Consider these top cards based on your credit

Chase Freedom Unlimited® logo

Unlimited cashback for good credit

Chase Freedom Unlimited®

Blue Cash Everyday® Card from American Express logo

Everyday cashback for good credit

Blue Cash Everyday® Card from American Express

Citi® Diamond Preferred® Card logo

Ultra-long intro APR for excellent credit

Citi® Diamond Preferred® Card

OpenSky® Secured Visa® Credit Card logo

No credit check for bad credit

OpenSky® Secured Visa® Credit Card


Compare Capital One credit cards

Name Product Filter values Rewards Purchase APR Annual fee
Capital One® Quicksilver® Cash Rewards Credit Card
1.5% cash back on all purchases
0% intro for the first 15 months (then 15.49% to 25.49% variable)
This no-annual-fee 1.5% cashback card offers of intro APR on purchases. No foreign transaction fees set this card apart.
Capital One® VentureOne® Rewards Credit Card
5x miles on Uber Eats and 1.25x miles on all purchases
0% intro for the first 12 months (then 15.49%, 21.49% or 25.49% variable)
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
Capital One® Secured Mastercard®
26.99% variable
Get access to a higher credit line after making your first 5 monthly payments on time.
Capital One® SavorOne® Cash Rewards Credit Card
5% cash back on Uber Eats, 3% on dining and entertainment, 2% at grocery stores and 1% on all other purchases
0% intro for the first 15 months (then 15.49% or 25.49% variable)
A no-annual-fee card with up to 3% cash back for people who love going out. Extend the fun with 15 months intro APR on purchases.
CardMatch™ from
See terms
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Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.

Compare up to 4 providers

What are the benefits of a Capital One prequalification?

  • Better chances of approval. You can see cards that fit your credit profile, though nothing is guaranteed.
  • You can still shop around. There’s no obligation to apply. Feel free to get prequalified with other banks.
  • Your credit score won’t be affected. Keeping your credit score intact could increase your odds when you apply for a card.

What does prequalification mean?

If you’re prequalified, a bank has checked your credit with a soft pull and believes you could be a customer. According to some estimates, you could have an 80% to 90% chance of approval after getting prequalified.

Prequalification doesn’t guarantee approval. After you apply for a card, the provider will check your credit with a hard pull. You could still be denied if the bank has issues with your credit profile.

Soft pull vs. hard pull: What’s the difference?

A soft pull is a background check, and it won’t affect your credit. A bank will look into your credit to see if you may be a good fit.

A hard pull is a credit check that follows a credit application. The bank assesses your risk as a borrower. A hard pull will typically lower your credit score by a few points. This is a normal part of a credit application, and your score will rebound as you consistently make on-time payments.

Bottom line

Capital One offers a short prequalification form. After you submit your information, the provider will show you card offers within 60 seconds.

If you’re not sure a Capital One card is the right fit, consider getting prequalified with other providers such as American Express, Chase, Citi and Discover.

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