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How to prequalify for USAA credit cards
This organization allows members to view preselected offers.
USAA exclusively offers prequalification to its members. This enables members to see what products they may be approved for based on their credit profile.
How do I get prequalified for a USAA credit card?
Before you can get prequalified and check for preselected offers, you must be a member of USAA. As a USAA member, log in to your account and click My offers. You’ll see a list of cards you’re preselected for.
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Although credit card providers rarely share the credit scores required for approval, they typically prefer consumers with a credit score of 670 and above for cards that offer rewards. USAA mostly offers rewards cards, so you’ll have a better chance of approval with a good to excellent credit score.
The bank offers a card with a purchase, balance transfer and cash advance APR as low as 6.9% variable. To receive that interest rate, you may need a credit score of 720 or higher.
What are the benefits of a USAA prequalification?
- No impact on your credit score. Prequalification is a standard way to check if you might be a good candidate for certain cards.
- Higher approval odds. You’re more likely to get approval for the products presented to you after prequalification.
- You’re not locked in. Getting prequalified doesn’t mean you have to apply. You’re welcome to shop around with other providers.
What does prequalification mean?
Prequalification means a bank has checked your credit with a soft pull and believes you might be a fit. Though nothing is guaranteed, you have an 80% to 90% chance of approval after getting prequalified.
After submitting a card application, the bank will take a hard pull into your credit profile. It may deny you if it thinks you’re too risky of a borrower.
Understanding soft and hard credit pulls
When you apply for prequalification, the bank initiates a soft pull. This is a background check that won’t affect your credit.
After you apply, the bank checks your credit with a hard pull. This typically lowers your credit score. However, your score usually drops by just a few points, and it should recover as you keep making on-time payments.
While nonmembers can’t get prequalified for USAA products, members can look for preselected offers.
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