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Prequalify for credit cards without affecting your credit score

Find out your chances of credit card approval before you apply.

Updated

Fact checked

Some credit card providers let you find out whether you qualify for certain credit cards without affecting your credit score. This is an excellent feature because you can prequalify for multiple credit cards and apply for the one where your chances of approval are highest.

But unfortunately, not all credit card providers offer credit card prequalification.

See what cards you're prequalified for

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  • Users may not be matched with all offers or banks. Matches are based on a user's credit profile. See the CardMatch terms and conditions for more details.
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What is prequalification?

Credit card prequalification is a process where the card provider determines whether you qualify for their card products. This is done with a soft pull on your credit, not a hard pull.

How to prequalify for a credit card

The process varies between card providers, but in general, here’s how to request prequalification:

  1. Visit the provider’s prequalification page.
  2. Fill out the application form with your personal information.
  3. Choose a credit card you wish to prequalify for, if possible.
  4. Review the form and submit.

Click any company logo below to find out more details on how the prequalification process works with that provider.

Bank-of-America-LogoBarclaycard-LogoCapital-One-Logo
Chase-LogoCiti credit cards logoDiscover provider logo
HSBC Card provider logoUSAA provider logoWells Fargo Card provider logo

Why prequalification doesn’t affect your credit score

When you apply for a credit card, the card provider will make a hard pull on your credit, which will cause your credit score to drop by around five points.

On the other hand, prequalification has no effect on your credit score because the card issuer makes a soft pull on your credit. Consider this a simple glance at your credit score that helps the card issuer determine if you’re a good fit for a certain credit card.

What’s the difference between prequalification and preapproval?

Both prequalification and preapproval let you know if you have high chances of credit card approval without affecting your credit score. The main difference between the two is that for prequalification you initiate the process, while for preapproval the card issuer initiates the process.

Bottom line

Prequalification can be a powerful tool when looking to acquire new credit cards without affecting your credit score. Keep in mind, each card provider has its own prequalification process, so make sure you compare all credit cards until you find the right card for your needs.

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