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How to prequalify for Capital One credit cards
Get a customized list of cards before you apply.
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.
See if you prequalify for Capital One cards
How do I get prequalified for a Capital One credit card?
- Go to the Capital One prequalification page.
- 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.
- Click the box next to I understand that this is not a credit card application.
- Review your application and click See your card offers to submit your prequalification request.
Compare Capital One credit cards
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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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