45 Credit Cards That Preapprove (Discover, Capital One, etc)

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.

Credit Cards That Preapprove Online

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

• Additional requirements:
  • Good to excellent credit
• Terms and fees:
  • Annual fee of $250
  • Find the current penalties and APR in the American Express Gold cardmember agreement

Amex EveryDay Credit Card

• Additional requirements:
  • Good to excellent credit
• Terms and fees:
  • No annual fee
  • See the Amex EveryDay cardmember agreement for up-to-date penalties and APRs

Amex EveryDay Preferred Credit Card

• Additional requirements:
  • Good to excellent credit
• Terms and fees:
  • Annual fee of $95
  • Find APR and fee information in the Amex EveryDay Preferred cardmember agreement

Blue Cash Everyday Card

• Additional requirements:
  • Good to excellent credit
• Terms and fees:
  • No annual fee
  • Find the current APR and penalties in the Blue Cash Everyday cardmember agreement

Blue Delta SkyMiles Credit Card

• Additional requirements:
  • Good to excellent credit
• Terms and fees:
  • No annual fee
  • Find APR and penalty information in the Blue Delta SkyMiles cardmember agreement

Blue From American Express

• Additional requirements:
  • Fair to average credit
• Terms and fees:
  • No annual fee
  • See the Blue cardmember agreement for the current APR and penalties

Cash Magnet Card

• Additional requirements:
  • Good to excellent credit
• Terms and fees:
  • No annual fee
  • For more fee information and to find out the current APR, see the Cash Magnet cardmember agreement

Gold Delta SkyMiles Credit Card

• Additional requirements:
  • Good to excellent credit
• Terms and fees:
  • No annual fee for the first year; $95 per year after that
  • See the Gold Delta SkyMiles cardmember agreement for current APR and penalty information

Hilton Honors Aspire Card

• Additional requirements:
  • Good to excellent credit
• Terms and fees:
  • Annual fee of $195
  • See the Hilton Honors Aspire cardmember agreement for current APR and penalty information

Hilton Honors Card

• Additional requirements:
  • Good to excellent credit
• Terms and fees:
  • No annual fee
  • Find the current APR and penalty fees in the Hilton Honors cardmember agreement

Hilton Honors Surpass Card

• Additional requirements:
  • Good to excellent credit
• Terms and fees:
  • Annual fee of $95
  • See the Hilton Honors Surpass cardmember agreement for more fee and APR details

Marriott Bonvoy Brilliant American Express Card

• Additional requirements:
  • Good to excellent credit
• Terms and fees:
  • Annual fee of $450
  • Find the current APR and penalties in the Marriott Bonvoy Brilliant cardmember agreement

The Platinum Card

• Additional requirements:
  • Good to excellent credit
• Terms and fees:
  • Annual fee of $550
  • Find up-to-date APR and fee information in the Platinum Card cardmember agreement

Platinum Delta SkyMiles Credit Card

• Additional requirements:
  • Good to excellent credit
• Terms and fees:
  • Annual fee of $195
  • See the Platinum Delta SkyMiles cardmember agreement for fee details and APR information

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:
  • No annual fee
  • See the BankAmericard fee schedule for current APR information and penalties

BankAmericard for Students

• Additional requirements:
  • Available to applicants with limited credit histories
• Terms and fees:
  • No annual fee
  • Find current APR and penalty information in the BankAmericard for Students fee schedule

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:
  • No annual fee
  • See the current APR and penalties in the BankAmericard Secured fee schedule

Bank of America Cash Rewards

• Additional requirements:
  • Excellent credit
• Terms and fees:
  • No annual fee
  • For more fee information and the current APR, see the Bank of America Cash Rewards fee schedule

Bank of America Cash Rewards for Students

• Additional requirements:
  • Available to applicants with limited credit histories
• Terms and fees:
  • No annual fee
  • See the Bank of America Cash Rewards for Students fee schedule for current APR information and other fees

Bank of America Premium Rewards

• Additional requirements:
  • Good to excellent credit
• Terms and fees:
  • Annual fee of $95
  • Find the current APR and penalties in the Bank of America Premium Rewards fee schedule

Bank of America Travel Rewards

• Additional requirements:
  • Very good to excellent credit
• Terms and fees:
  • No annual fee
  • See the Bank of America Travel Rewards fee schedule for APR and penalty information

Bank of America Travel Rewards for Students

• Additional requirements:
  • Available to applicants with limited credit histories
• Terms and fees:
  • No annual fee
  • See the Bank of America Travel Rewards for Students fee schedule for current APR and penalty information

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:
  • No annual fee
  • See the BuyPower rate and fee schedule for the current APR and penalty information

Capital One Platinum

• Additional requirements:
  • Fair to average credit
  • Must not have two or more open Capital One accounts
• Terms and fees:
  • No annual fee
  • Find more penalty information and the current APR in the Capital One Platinum rate and fee schedule

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:
  • No annual fee
  • See the Capital One Secured Mastercard rate and fee schedule for APR and penalty information

Capital One Walmart Rewards Mastercard

• Additional requirements:
  • Good to excellent credit
• Terms and fees:
  • No annual fee
  • Find fee information and the current APR in the Capital One Walmart Rewards Mastercard rate and fee disclosures

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:
  • No annual fee
  • Find current APR and penalty information in the Journey Student Rewards rate and fee disclosures

SavorOne Rewards

• Additional requirements:
  • Excellent credit
  • Must not have five or more open Capital One accounts
• Terms and fees:
  • No annual fee
  • See the SavorOne Rewards account disclosures for APR and penalty information

Savor Rewards

• Additional requirements:
  • Excellent credit
  • Must not have five or more open Capital One accounts
• Terms and fees:
  • No annual fee for the first year; $95 annual fee after that
  • Find current APR information and penalties in the Savor Rewards rate and fee schedule

QuicksilverOne Rewards

• Additional requirements:
  • Fair to average credit
  • Must not have two or more open Capital One accounts
• Terms and fees:
  • Annual fee of $39
  • See the QuicksilverOne Rewards rate and fee disclosures for the current APR and penalties

Quicksilver Rewards

• Additional requirements:
  • Excellent credit
  • Must not have five or more open Capital One accounts
• Terms and fees:
  • No annual fee
  • Find current APR and penalty information in the Quicksilver Rewards rate and fee schedule

VentureOne Rewards

• Additional requirements:
  • Excellent credit
  • Must not have five or more open Capital One accounts
• Terms and fees:
  • No annual fee
  • Find the current APR and penalties in the VentureOne Rewards rate and fee disclosures

Venture Rewards

• Additional requirements:
  • Excellent credit
  • Must not have five or more open Capital One accounts
• Terms and fees:
  • Annual fee of $0 for the first year and $95 thereafter
  • See more fee information and the current APR in the Venture Rewards fee schedule

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:
  • No annual fee
  • See the Chase Freedom fee schedule for up-to-date APR and fee information

Chase Freedom Unlimited

• Additional requirements:
  • Good to excellent credit
• Terms and fees:
  • No annual fee
  • See the Chase Freedom Unlimited pricing schedule for current APR and penalty information

Chase Sapphire Preferred

• Additional requirements:
  • Very good to excellent credit
• Terms and fees:
  • Annual fee of $95
  • See the Chase Sapphire Preferred pricing disclosure for up-to-date APR and fee information

Chase Sapphire Reserve

• Additional requirements:
  • Good to excellent credit
• Terms and fees:
  • Annual fee of $450
  • $75 annual fee for additional authorized users
  • See the Chase Sapphire Reserve account disclosures for other fees and APR information

Chase Slate

• Additional requirements:
  • Good to excellent credit
• Terms and fees:
  • No annual fee
  • See the Chase Slate pricing and terms disclosure for current APR and penalty information

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

• Additional requirements:
  • Good to excellent credit
• Terms and fees:
  • No annual fee
  • See the Discover it Cash Back pricing disclosures for current APR and penalty information

Discover it Chrome

• Additional requirements:
  • Good to excellent credit
• Terms and fees:
  • No annual fee
  • See the Discover it Chrome account disclosures for current APR and penalty information

Discover it Miles

• Additional requirements:
  • Good to excellent credit
• Terms and fees:
  • No annual fee
  • Find more penalty and APR information in the Discover it Miles pricing disclosures

Discover it Secured

• Additional requirements:
  • Available to applicants with limited credit histories and those who are rebuilding their credit
• Terms and fees:
  • No annual fee
  • Find more information about penalties and the current APR in the Discover it Secured pricing disclosures

Discover it Student Cash Back

• Additional requirements:
  • Available to applicants with limited credit history
• Terms and fees:
  • No annual fee
  • Find information about late fees, other penalties, and the current APR in the Discover it Student Cash Back account disclosures

Discover it Student Chrome

• Additional requirements:
  • Available to applicants with limited credit histories
• Terms and fees:
  • No annual fee
  • See the Discover it Student Chrome pricing disclosures for information about other fees and the up-to-date APR

NHL Discover it

• Additional requirements:
  • Good to excellent credit
• Terms and fees:
  • No annual fee
  • Find the current APR and other fees in the NHL Discover it account disclosures

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

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
• Citibank
• 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