Are All Pre-Approved Credit Cards Equal For Every Consumer

If you are looking for a new credit card, chances are you already know randomly filling out credit card applications can lead to two things, one the chance you get rejected and loose points of your credit score due to the hard inquiry. Wouldn’t it be nice to see what credit cards that you are pre-approved for, so that you could find targeted offers and reduce the risk of being denied a credit card, as well as hurting your credit score? Well you can! Many credit cards today are now offering you the ability to see what credit cards you are pre-approved for, without affecting your credit score. This does not mean you will 100% for sure get the card, if it says you are pre-approved, rather the soft inquiry matches their preferences, but examining your full credit report upon application could result in them finding something that makes you no longer a match. Yet it still improves your odds of finding the right credit card offer. Lets examine which cards offer this, and how to view your offers from that issuer.

American Express
To discover if you have any American Express pre-appoved charge card offers. simply visit!view-your-prequalified-offers, fill out your name, address and last 4 of your social, and then any offers they have will show up. You can also opt into offers, so that any time your credit score changes and matches what Amex requires, they will send you an offer.

Bank of America

This bank does not offer a large selection of cards, but they do have a few different credit cards, for a wide range of credit scores. Go to, fill out the requested information and any offers they have for you will appear on the next page. You will get a response in less than 60 seconds.

Capital One
On top of them asking for the usual name, address, and last four of your social, this credit card also asks you to rank your own credit score, as well as asking you which credit card perks or benefits matter the most to you. Simply visit to find the requested form, it takes about 30 seconds to one minute to fill out.

This credit card issuer also allows you to check to see if you have any pre-approved offers in the pipeline. To check simply visit, and fill out the simple form, within one minute you will receive any pre-approved offers they may have for you.

This bank also allows you to check to see if you have any credit card offers available, simply visit It will ask you for your name, address and the last 4 of your social security number, as well as what card benefit you most desire, then in less than 2 minutes any credit card offers that Citibank has for you will show up on the next screen.

Credit One
This credit card tends to give everyone a card, since they specialize in lending to sub prime borrowers, but none the less they too have a way to see if you are pre-approved. Unless your credit is terrible, I would stay far far away from this credit card. If you want to see if you are pre-approved, you may check at

Discover your pre-approved credit card offers by visiting

US Bank
Find all of your pre-approved US Bank Credit card offers by visiting

Our mission is to help consumers searching for tips with loans, finance and credit assistance in 2015. Have a finance topic you want us to cover, send us an email and we can have our editorial team research this for you.