63 Credit Cards That Preapprove (Discover, Capital One, Citi, Chase, etc)

Lindsey Desmet headshot Lindsey Desmet
Oct 23, 2019

Short Answer

Most credit card issuers in the U.S. offer preapproval. However, not all issuers offer preapproval by request; some only send pre-screened credit card offers by mail. An issuer may offer by-mail preapproval, online pre-qualification, or both. Some of the credit cards that allow you to request preapproval online include American Express, Bank of America, Chase, and Discover. Issuers that only preapprove by mail include Fifth Third Bank, PNC, U.S. Bank, and Wells Fargo. Below, we list which credit cards allow you to check for preapproval — including each issuer’s application requirements and fees — and which send pre-screened offers by mail.

What to Know About Credit Card Preapproval

Credit card preapproval allows you to find out whether you are likely to qualify for a card before submitting your application. Credit card issuers may make preapproval offers by mail or may provide pre-qualification tools on their websites. If an issuer offers preapproval by mail, you do not need to submit any information; you must instead wait and see if an offer arrives in your mailbox. For online pre-qualification, you’ll enter your personal information, such as your income level and Social Security number, to find out immediately which cards are likely to be a good fit.

Preapproval usually involves a “soft” pull of your credit, which does not impact your credit score; the company will do a “hard” pull and make a decision regarding your creditworthiness once you finalize your application.

Keep in mind that pre-qualification is not a guarantee of approval; you will still need to go through the full application process. Approval can take a few minutes or up to several weeks, depending on your qualifications and the creditor. (For the list of instant approval credit cards, see our related article.)

Additionally, be aware that submitting too many credit card applications in a short period of time can damage your credit score. Pre-qualification will not harm your score, but if you apply for multiple cards after preapproval, you will be subject to a hard pull for each application. A high number of recent, hard inquiries can decrease your credit score and impact your likelihood of approval for future applications.

The List of Credit Cards That Preapprove Online

Here is the list of credit cards that offer online preapproval and pre-qualification by card issuer:

American Express

American Express offers preapproval for all of its consumer cards through the pre-qualification tool at AmericanExpress.com. To get preapproval, you must provide your legal name, address, annual income, and the last four digits of your Social Security number.

American Express applicants must meet the following criteria:

  • Must be at least 18
  • Must be a U.S. resident
  • Must provide your Social Security number, a valid email address and phone number, your legal name, and your home address
  • Must submit to a credit check

We detail more of the requirements and terms specific to each card below.

American Express Gold Card

Amex EveryDay Credit Card

Amex EveryDay Preferred Credit Card

Blue Cash Everyday Card

Blue Delta SkyMiles Credit Card

Blue From American Express

  • Additional requirements:
    • Fair to average credit
  • Terms and fees:

Cash Magnet Card

  • Additional requirements:
    • Good to excellent credit
  • Terms and fees:

Gold Delta SkyMiles Credit Card

  • Additional requirements:
    • Good to excellent credit
  • Terms and fees:

Hilton Honors Aspire Card

Hilton Honors Card

Hilton Honors Surpass Card

Marriott Bonvoy Brilliant American Express Card

The Platinum Card

Platinum Delta SkyMiles Credit Card

Bank of America

Bank of America allows prospective cardholders to see which cards they may be eligible for by using the Customized Offers tool at BankofAmerica.com. You will need to provide your name, birth date, the last four digits of your Social Security number, and your address. You do not need a current Bank of America account to use this tool; however, you can sign in to your Bank of America account to see your available offers without re-entering your personal information.

Bank of America credit cards have the following application requirements:

  • Must be at least 18 (or 21 in Puerto Rico)
  • Must reside in the U.S., District of Columbia, Guam, Puerto Rico, Northern Mariana Islands, American Samoa, or U.S. Virgin Islands
  • Must submit to a credit check
  • Must not have a similar, existing Bank of America credit card account unless you have held your current card for at least 24 months

Below, we have more details for each card.

BankAmericard

  • Additional requirements:
    • Good to excellent credit
  • Terms and fees:

BankAmericard for Students

  • Additional requirements:
    • Available to applicants with limited credit histories
  • Terms and fees:

BankAmericard Secured

  • Additional requirements:
    • Available to applicants with limited credit histories or those who are rebuilding their credit
    • Minimum opening deposit of $300
  • Terms and fees:

Bank of America Cash Rewards

Bank of America Cash Rewards for Students

Bank of America Premium Rewards

Bank of America Travel Rewards

Bank of America Travel Rewards for Students

Capital One

Use the Capital One pre-qualification tool online to see the Capital One cards for which you are most likely to qualify. You will need to enter your name, address, date of birth, Social Security number, and approximate credit level (good, average, or rebuilding) to see your offers. Capital One also sends preapproval offers by mail.

The following general requirements apply for all Capital One cards:

  • Applicant must be at least 18
  • Monthly income must exceed your rent or mortgage payment by at least $425
  • Must have a Social Security number or Individual Taxpayer Identification Number
  • Must live in the United States, Washington, D.C., or a U.S. military location
  • Must not have applied for a Capital One card two or more times in the past 30 days
  • Must not have a past-due Capital One account
  • Must submit to a credit check

We list the card-specific requirements and terms below.

BuyPower Card

  • Additional requirements:
    • Excellent credit
    • Must not have five or more open Capital One accounts
  • Terms and fees:

Capital One Platinum

  • Additional requirements:
    • Fair to average credit
    • Must not have two or more open Capital One accounts
  • Terms and fees:

Capital One Secured Mastercard

  • Additional requirements:
    • Does not require good or excellent credit; designed for applicants who are rebuilding their credit
    • Requires an opening deposit of $50 to $200
    • Must not have two or more open Capital One accounts
  • Terms and fees:

Capital One Walmart Rewards Mastercard

Journey Student Rewards

  • Additional requirements:
    • Average credit; applicants with limited credit histories and those with a default in the past five years may still be approve
    • Must not have two or more open Capital One accounts
  • Terms and fees:

SavorOne Rewards

  • Additional requirements:
    • Excellent credit
    • Must not have five or more open Capital One accounts
  • Terms and fees:

Savor Rewards

  • Additional requirements:
    • Excellent credit
    • Must not have five or more open Capital One accounts
  • Terms and fees:

QuicksilverOne Rewards

Quicksilver Rewards

  • Additional requirements:
    • Excellent credit
    • Must not have five or more open Capital One accounts
  • Terms and fees:

VentureOne Rewards

Venture Rewards

  • Additional requirements:
    • Excellent credit
    • Must not have five or more open Capital One accounts
  • Terms and fees:

Chase

Chase sends preapprovals by mail. You can also use Chase’s online pre-qualification tool to find out which Chase cards might be a good fit. You’ll need to provide your name, address, and the last four digits of your Social Security number.

Chase credit cards have the following general requirements:

  • Must be at least 18 (19 in Alabama and Nebraska; 21 in Puerto Rico)
  • Must have a permanent address in the U.S., the District of Columbia, Puerto Rico, the U.S. Virgin Islands, or a U.S. military address
  • You may not be eligible if you have another Chase credit card in the same rewards program or have a Chase credit card and currently receive promotional pricing
  • Must submit to a credit check

Find more details specific to each card below.

Chase Freedom

  • Additional requirements:
    • Good to excellent credit
  • Terms and fees:

Chase Freedom Unlimited

Chase Sapphire Preferred

Chase Sapphire Reserve

  • Additional requirements:
    • Good to excellent credit
  • Terms and fees:

Chase Slate

Citi

Citi sends preapproval offers by mail and offers online pre-qualification on Citi.com. You can respond to a mail offer using your invitation number or enter your name, address, and the last four digits of your Social Security number to see your offers.

Citi credit cards have the following general application requirements:

  • Must be at least 18
  • Must provide information about your annual salary, wages, and any other income
  • Must reside in the U.S. or its territories
  • Must submit to a credit check

Below, we have more information about card-specific requirements.

American Airlines AAdvantage MileUp Card

Citi/AAdvantage Executive World Elite Mastercard

Citi/AAdvantage Platinum Select World Elite Mastercard

Citi Diamond Preferred Card

Citi Double Cash Card

Citi Premier Card

Citi Prestige Card

  • Additional requirements:
    • Excellent credit
  • Terms and fees:

Citi Rewards+ Card

Citi Rewards+ Student Card

Citi Secured Mastercard

Citi Simplicity Card

Expedia Rewards Card from Citi

Credit One Bank

You can accept a mail offer from Credit One Bank online or check to see if you prequalify for a Credit One Bank card. To check your pre-qualification status, you’ll need to provide your name, address, email address, Social Security number, date of birth, and monthly income.

Credit One Bank credit cards have the following general approval requirements:

  • Must be at least 18
  • Must be a resident of one of the 50 states of the U.S.; must not be a resident of a U.S. territory or have an APO/FPO address
  • Must not have an unpaid account or pending application
  • Must submit to a credit check

Below, we have more details of each of Credit One Bank’s cards for which you may prequalify.

Credit One Bank Cash Back Rewards Visa

  • Additional requirements:
    • Excellent credit
  • Terms and fees:
    • Annual fee of $39
    • Authorized user fee of $19 per year
    • Find more APR and fee details on the Cash Back Rewards page on Credit One’s website

Credit One Bank American Express Card

  • Additional requirements:
    • Average to excellent credit
  • Terms and fees:

Credit One Bank NASCAR Visa Credit Card

  • Additional requirements:
    • Accepts most credit scores, from rebuilding to excellent
  • Terms and fees:
    • $0 to $99; varies based on your approved credit limit
    • Authorized user fee of $19 per year
    • See the NASCAR Visa page on Credit One’s website for current APR information and more fees

Credit One Bank Platinum Visa

  • Additional requirements:
    • Accepts applicants with low credit scores; designed for customers who are rebuilding their credit
  • Terms and fees:
    • Annual fee of $0 to $99; varies based on your approved credit limit
    • Authorized user fee of $19 per year
    • Find current APR and penalty information on the Platinum Visa page on Credit One’s website

Credit One Bank Platinum Plus Visa

  • Additional requirements:
    • Average credit
  • Terms and fees:
    • Annual fee of $39
    • Find up-to-date APR and penalty information on the Platinum Plus Visa page on Credit One’s website

Credit One Bank Vegas Born Visa

Please Note: This is only an option if you live within 50 miles of Las Vegas.

  • Additional requirements:
    • Accepts most credit scores, from rebuilding to excellent
  • Terms and fees:
    • Annual fee of $0 to $99; varies based on your approved credit limit
    • Authorized user fee of $19 per year
    • Find current APR and penalty information at the Vegas Born Visa page on Credit One’s website

Discover

Discover sends by-mail preapproval offers and has a preapproval tool on DiscoverCard.com. When using the preapproval tool, you’ll need to enter your name, address, income, monthly housing payment, date of birth, and Social Security number. The tool will also ask whether you are a student and whether you have a checking, debit, savings, IRA, or money market account.

The following general requirements apply to Discover credit card applicants:

  • Must be at least 18
  • Must be a U.S. resident
  • Must provide your name, address, phone number, email address, birth date, Social Security number, employment and income information, your monthly housing payment amount, and whether you own any bank accounts
  • Must submit to a credit check

We offer more details for each card, including their annual fees and credit range requirements, below.

Discover it Cash Back

Discover it Chrome

Discover it Miles

Discover it Secured

  • Additional requirements:
    • Available to applicants with limited credit histories and those who are rebuilding their credit
  • Terms and fees:

Discover it Student Cash Back

Discover it Student Chrome

NHL Discover it

For more options, see our list of retail credit cards that preapprove.

The List of Credit Cards That Preapprove by Mail

The following credit card issuers do not offer online preapproval tools by which you can request to see which cards you may be eligible for; however, they do send pre-screened credit card offers by mail:

  • Barclays US
  • Commerce Bank
  • Fifth Third Bank
  • First PREMIER Bank
  • HSBC
  • Huntington Bank
  • Navy Federal Credit Union
  • Pentagon Federal Credit Union
  • PNC
  • Regions
  • Synchrony
  • USAA
  • U.S. Bank
  • Wells Fargo

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