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Top 5 January 2022 pre-qualified credit cards

Many credit card issuers pre-screen consumers and mail preapproved credit card offers to those who meet their criteria. However, instead of waiting for pre-approved credit card offers, you can go online and check out credit cards that offer prequalification. Such cards will help you gauge your approval odds without triggering a hard inquiry and, therefore, without impacting your credit score. Below you will find credit cards that will tell you if you've been pre-approved for the card.

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#1 credit card

#2 credit card

#3 credit card

#4 credit card

#5 credit card

Merrick Bank Double Your Line™ Platinum Visa® Credit Card Surge Mastercard® Reflex Mastercard® Destiny Mastercard® Milestone® Mastercard® with Choice of Card Image at No Extra Charge
apply apply apply apply apply
Credit Limit
Credit lines range from $500-$1,350 which double to $1,000-$2,700 after your account qualifies.
$300 - $1,000 credit limit doubles up to $2,000! (after first 6 monthly payments on time)*
$300 - $1,000 credit limit doubles up to $2,000! (after first 6 monthly payments on time)*
$300
$300
Annual Fee
$0-$72
See website for Details*
See Terms
$59-$99
$35 - $99*
Instant Response
Yes
Yes
Yes
Yes
No
Credit Bureaus Reporting
Yes
Yes
Yes
Yes
Yes
Build Credit
Yes
Yes
Yes
Yes
Yes
Required Credit History
See website for Details*
See website for Details*
Fair/Poor/Bad/Limited
Poor to Good
Fair / Good

What is a
preapproved credit card?

When you receive a preapproved credit card offer, you essentially receive an invitation to apply for a credit card you'll likely be approved for. You can also look for credit cards that offer prequalification or preapproval online.

When you apply for a credit card with prequalification, you submit a preliminary application where you provide some basic information like your name, date of birth, social security number, and income. The issuer then uses this information to perform a soft inquiry and see whether you qualify for the offer or not.

Preapproval (or prequalification) does not guarantee actual approval. Thus, when you are preapproved, you will need to fill out a full application form to complete the application process. The issuers may still reject you at this step as they may perform a hard pull and more thorough credit check to see if you meet their approval criteria. Here's what you should know about preapproved credit cards at a glance:

Soft Inquiry
Issuers perform a soft pull, which means your credit score won't be affected.
Higher Approval Odds
Being pre-approved means you passed the issuer's basic criteria.
Instant Response
You will know almost instantly whether you pre-qualify or not.
You Can Quit
If you are not pre-approved, you don't have to continue your application.
No Damage to Credit
Issuers do not perform a hard pull. Therefore, prequalification won't hurt your credit.

Credit cards:
pre-approved vs. pre-qualified

Being pre-approved often means the same as being pre-qualified when it comes to credit card offers. The issuers often use these two terms interchangeably. You can check out whether you pre-qualify for a credit card offer when you want to see if you are eligible for a better rate or a card with rewards. Here's what it means to be pre-approved or pre-qualified.

Prequalified Credit Card

Credit card prequalification means that an issuer checked basic credit information of some consumers and you were among those people who met some basic criteria. The issuers may work with credit bureaus to request a list of people with specific credit score, or they can give the credit bureau a list of specific consumers to check their credit. Also, there are online tools and credit card offers that show if you are pre-qualified for the credit card offer.

Preapproved Credit Card

Often, being pre-approved means the same as being pre-qualified for a credit card. However, sometimes issuers may set up different customer parameters for preapproved offers. For example, issuers may set a higher approval rate for preapproved credit cards. You can receive preapproved offers in the mail or find them online and fill out a preliminary form to see if you are eligible.

Neither preapproved nor prequalified offers affect credit score, which means you can pre-qualify for as many credit card offers as you wish. If you decide to accept a preapproved or prequalified credit card, take a close look at interest rates and other terms, and only then continue your application. Remember, being pre-approved or pre-qualified does not guarantee approval, the issuer may still decline your application.

How to check if you pre-qualify for a credit card

Many major banks have tools that allow you to submit prequalification forms on their websites. Also, there are credit card offers that allow you to pre-qualify before submitting a full application form. Prequalification forms will usually ask you to provide your name, address, last four digits of your social security number, date of birth, and income. The issuer can use this information to perform a soft inquiry and check if you meet their basic criteria. Here's why we think prequalified credit cards are great offers.
Quick Preapproval
As a rule, issuers can respond almost instantly after you submit a prequalification form.
No Impact on Credit
Issuers perform a soft pull, which does not hurt your credit score and may not even show up on your report.
Secure
Prequalification forms are absolutely secure which is guaranteed by the issuers.
Approval Probability
Being pre-approved means you meet some basic criteria, which increases your approval odds.
No Obligation
If you do not want to continue your application after preapproval, you can simply quit the process.

Let's compare
prequalified credit cards BY MAIN
FEATURES:

viewing 0-0 of 0
Required Credit History
See website for Details*
Fair/Poor/Bad/Limited
Poor to Good
Fair / Good
See website for Details*
Fair / Good
Fair/Good
Excellent/Good/Limited/No Credit
Fair/Bad/Limited/No Credit
Credit Limit
Credit lines range from $500-$1,350 which double to $1,000-$2,700 after your account qualifies.
$300 - $1,000 credit limit doubles up to $2,000! (after first 6 monthly payments on time)*
$300
See terms
$300 - $1,000 credit limit doubles up to $2,000! (after first 6 monthly payments on time)*
$300
See terms
$300 - $10,000
$300 - $5,000
Ongoing APR on Purchases
19.45% - 28.45% *Variable
24.99% - 29.99% (Variable)
24.9%
24.9%
24.99% - 29.99% (Variable)
24.9%
24.9%
12.99% - 26.99% Variable
19.99% - 29.49% Variable
Annual Fee
$0-$72
See Terms
$59-$99
$0 - $99
See website for Details*
$35 - $99*
$0 - $99
$0
$0
Foreign Transaction Fee
See Terms*
3% of each transaction in U.S. dollars.
1% of each transaction in U.S. dollars
1% of each transaction.
3% of each transaction in U.S. dollars.
1%
1% of each transaction.
$0
$0
Late Payment Fee
Up to $40
Up to $40.00
Up to $40
Up to $40
Up to $40.00
Up to $40
Up to $40
$0
Late fees up to $29 for first late payment, $40 for second late payment.
Instant Response
Yes
Yes
Yes
No
Yes
No
No
No
No
Credit Pull
See Terms
Hard Pull
Soft Pull
Soft Pull
Hard Pull
Soft Pull
Soft Pull
Hard Pull
Hard Pull
Credit Reporting
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Checking Account Required
No
Yes
Yes
No
Yes
No
No
Yes
Yes
Payment System
Visa®
Mastercard®
Mastercard®
Mastercard®
Mastercard®
Mastercard®
Mastercard®
Visa®
Visa®
States Available
This offer is not available in Wisconsin.
Any
Any
Any
Any
Any
Any
Any
Any

Alternatives to credit cards with prequalification

Prequalified or preapproved credit cards are good when you are not sure you will be approved for a card or simply what to check if you qualify for a lower interest rate. Prequalification is available to people with poor, fair, and even good credit. However, you can always skip the prequalification process if you apply for a credit card with no credit check. With bad credit, you can check out secured credit cards that also offer higher approval odds as they are backed up by a security deposit. If you are not interested in credit cards and simply need a tool to manage your finances, then prepaid debit cards can become the right choice for you.

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