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How To Find the Best Pre-qualified and Pre-Approved Credit Card Offers Online [2024]

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Alex Miller
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Alex Miller

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Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business...
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Most of us have become accustomed to receiving pre-approved and pre-qualified credit card offers in the mail.

Sometimes, these “specialized” offers don’t seem so special when you keep seeing the same offer over and over again in the same shiny envelope. But we recommend that you shouldn’t always overlook these — sometimes there can be great opportunities in your mailbox!

However, we also want you to know that there are faster (and in some cases, more specialized) credit card offers that can instantly be found online. Did you know many banks allow you to check your pre-qualified or pre-approved card offers directly on their websites?

Today, we’ll tell you where you can easily go check, and what to expect when searching for pre-qualified offers from some popular banks.

What’s the Difference Between Pre-qualified and Pre-approved Credit Cards?

Credit card companies like to advertise their products to potential customers, and most of the time that includes language like “pre-approved” or “pre-qualified.”

But what’s the difference? Does that mean you’ll automatically get approved for the card?

The short answer is no.

Often, banks are observing potential customers’ credit profiles on a regular basis by conducting “soft pulls” of your credit. Soft pulls do not affect your credit score, but they do give banks the information they need to determine whether you’d be qualified for their credit card products.

If they like what they see based on a soft pull, it’s likely they’ll target you with advertisements saying you are “pre-qualified” for their products.

In contrast, pre-approved offers usually come when you’ve authorized the bank to conduct a “hard pull” on your credit report, which gives them all the detailed information in your credit profile and will affect your credit score.

You may also receive these offers if you’ve had a long and established relationship with a bank, or have recently applied for credit and the bank already has a recent copy of your credit report.

With both offer types, it’s important to remember that there is never a guarantee. All credit cards still require you to complete an application, and the banks will most likely look at your credit profile in detail during that process.

We highly recommend that you understand your credit score and what’s in your credit report before deciding to apply for a new credit card. A higher score will lead to better pre-qualified or pre-approved offers!

Be sure to always research and understand any credit card offer in detail before deciding if it’s the right one for you.

Bottom Line:

There’s never a guarantee that a pre-qualified or pre-approved offer from a credit card company means you will be approved, but it’s a good sign that gives you an idea of what the banks feel you’re most qualified for.

Top Issuers Offering Credit Card Pre-approvals

Here is a quick look at the card issuers and platforms that in our view offer the best credit card options, along with the details you need to provide in order to determine what cards you are pre-approved or pre-qualified for.

SCROLL FOR MORE
Card Issuer/PlatformRequired Information
American ExpressFull name, address, date of birth, income, last 4 digits of your Social Security number
Bank of AmericaFull name, address, date of birth, last 4 digits of your Social Security number, type of card you’re interested in
Capital OneFull name, address, date of birth, email address, employment status, income, bank accounts, last 4 digits of your Social Security number
CardMatchFull name, address, date of birth, last 4 digits of your Social Security number
ChaseFull name, address, date of birth, last 4 digits of your Social Security number
CitiFull name, address, date of birth, last 4 digits of your Social Security number, type of card you’re interested in

Best Pre-approved Credit Cards for 2023 (Summary)

Banks That Have Pre-qualified or Pre-approved Offers Online

Here we will show you the most popular banks that allow you to check your pre-qualified or pre-approved offers instantly online!

If you’re in a rush to find a credit card that’s suitable for your needs, such as the need to make a large purchase as soon as possible, see our post on cards for an instant approval.

CardMatch (#1 Recommendation)

If you don’t have a specific credit card that you are looking to find a pre-qualified offer for, then CardMatch would be a great place to start your search.

CardMatch is a great tool to see what type of pre-qualified offers are available to you with multiple banks. It’s basically a one-stop shop for pre-qualified offers!

CardMatch requires your basic personal information and the last 4 digits of your Social Security number. It also provides information on how to view your credit score for free.

After submitting your information, CardMatch will list available pre-qualified card offers for you from banks such as American Express, Bank of America, Capital One, Chase, Citi, Discover, U.S. Bank, and Wells Fargo.

Bottom Line:

The CardMatch tool shows you personalized card offers based on your credit score (all without pulling your credit).

Capital One

There aren’t many credit cards being advertised on Capital One’s front page, but you can find the Credit Card section in the first spot on the top menu bar.

Hover your mouse over that section to reveal a drop-down menu where you can get pre-qualified Capital One offers or respond to a mail offer.

To see if you’re pre-qualified, you will need to take Capital One’s questionnaire which asks for a bit more personal information than the others. This one requires you to provide your full Social Security number!

That might make you think Capital One would conduct a hard pull on your credit report. However, you’ll agree to a disclaimer when submitting this questionnaire that states you “understand this is not a credit card application.”

This should tip you off that it will probably just be a soft pull. While it’s likely that Capital One will only conduct a soft pull for pre-qualification, it will certainly conduct a hard pull on your credit if you ultimately decide to apply for one of its credit cards.

Our Favorite Capital One Card

Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit CardTerms Apply / Rates & Fees

Capital One Venture X Rewards Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Learn More(at Capital One's secure site)

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$395
19.99% - 29.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-840)

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

 

Pros

  • 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
  • 5x miles per $1 on flights purchased through Capital One Travel
  • 2x miles per $1 on all other purchases
  • $300 annual travel credit on bookings made through Capital One Travel
  • Unlimited complimentary access for cardholder and 2 guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • 10,000 bonus miles awarded on your account anniversary each year
  • Global Entry or TSA PreCheck credit
  • Add authorized users for no additional annual fee (rates & fees)
  • No foreign transaction fees (rates & fees)

 

Cons

  • $395 annual fee (rates & fees)
  • Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status

 

  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®

Financial Snapshot

  • APR: 19.99% - 29.99% (Variable)
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

 

The Capital One Venture X card is one of the best premium credit cards available thanks to its combination of perks and rewards. Not only does it earn 10x miles on hotels and rental cars purchased through Capital One Travel, 5x miles on flights purchased through Capital One Travel, and 2x miles on all other purchases, but all of the miles you earn with the card can be transferred to Capital One’s transfer partners.

Plus, the card offers complimentary lounge access for you and 2 guests to Priority Pass lounges and Capital One Lounges, up to $300 annual travel credit on bookings made through Capital One Travel, a Global Entry/TSA PreCheck credit, 10,000 bonus miles awarded on your account anniversary each year, and more.

American Express

Amex Platinum Upgraded Points LLC
Image Credit: Upgraded Points

American Express features a section on the front page of its website to help you “Find the Card that’s right for you.” You have the option to choose between personal cards, small business cards, and corporate card offers.

Here, we’ll focus on personal offers. First, you’ll see a small selection of credit card offers under Featured Cards, but these won’t be personalized. To see your personalized offers, scroll down a bit more and you’ll see a section prompting you to See If We Have Any Pre-Qualified Offers For You.

It will ask you to provide some basic information to confirm your identity and the last 4 digits of your Social Security number. This will allow American Express to conduct a soft pull on your credit report and instantly create personalized offers just for you.

If you are already an American Express cardmember, you won’t even need to provide that information — American Express is already monitoring your credit profile. All you need to do is log in to your account and it will automatically display your personalized offers. It even shows you which cards you already have from the wide selection of cards offered by American Express.

Looking for something specific? You can search for special offers based on your needs. Travel cards, cash-back, no-annual-fee cards … the list goes on. American Express wants to make it quick and easy to help you find specialized offers to satisfy your financial needs online!

Hot Tip:

American Express has been known to send some really special offers in the mail, especially for The Business Platinum Card® from American Express. Those require an RSVP code that can be entered if you choose to apply online.

Our Favorite American Express Card

The Platinum Card® from American Express

BEST LOUNGE ACCESS
The Platinum Card® from American ExpressTerms Apply / Rates & Fees

The Platinum Card® from American Express

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Learn More(at Amex's secure site)

The Platinum Card® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on the Card in your first 6 months of Card Membership.
80,000 points
$1,760
$695
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros

  • The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
  • 5x points per dollar spent on flights purchased directly with the airline or with American Express Travel (up to $500,000 per year)
  • 5x points per dollar spent on prepaid hotels booked with American Express Travel
  • Annual and monthly statement credits upon enrollment (airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit)
  • TSA PreCheck or Global Entry credit
  • Access to American Express Fine Hotels and Resorts
  • Access to Amex International Airline Program
  • No foreign transaction fees (rates and fees)

Cons

  • $695 annual fee (rates and fees)
  • Airline credit does not cover airfare (only incidentals like checked bags)
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
  • $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.

Financial Snapshot

  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

When it comes to rewards credit cards, you’d be hard-pressed to find a card that offers more benefits than the Amex Platinum card. While it comes with a steep $695 annual fee (rates & fees), the card comes with a long list of travel benefits.

Put simply, no card offers better airport lounge access, which includes Priority Pass lounges (upon enrollment), Amex Centurion Lounges, Plaza Premium Lounges, and many more! When flying with Lufthansa Group on the same day, you’ll even get access to select Lufthansa Lounges, and similarly, Delta Sky Clubs when flying with Delta the same day.

Beyond that, you’ll receive multiple annual statement credits for Uber Cash, digital entertainment purchases, Equinox, CLEAR Plus, Saks Fifth Avenue, and airline incidentals, to name a few. You’ll also receive a Global Entry or TSA PreCheck credit, elite status perks with hotels and rental cars (including Marriott, Hilton, National, Avis, and Hertz), plus excellent travel and purchase protections. Do note that you’ll have to enroll for some of these aforementioned benefits, but they can present great long-term value for frequent travelers.

Celtic Bank

This bank, for some of its credit card products, allows you to go through a pre-approval process before officially applying for the card. This way, you can see if you’re approved without pulling your credit and taking a hit to your score! The Indigo® Platinum Mastercard® is one of those cards.

Chase

Chase Sapphire Preferred Upgraded Points
Image Credit: Upgraded Points

There are lots of credit card offers from Chase, especially travel rewards cards, but it’s not as easy to find your specialized pre-qualified offers compared to other banks.

If you are already a Chase customer, finding your specialized offers is easy. All you need to do is log in to your account and click on the drop-down menu in the top left of your dashboard to select Your Offers or Just for you. This will take you to another page where Chase will provide information on some of its credit card products or services. The boxes that have a small green check mark are specially selected just for you and mean that you’re pre-qualified.

If you are not already a Chase customer, you have to go to a specific website and input some basic information to receive your pre-approved offers. It does not appear that pre-approved offers are showing at this time, but it’s worth checking frequently to see if anything changes.

The information you provide will allow Chase to conduct a soft pull on your credit, which won’t affect your credit score.

Hot Tip:

Remember, many Chase cards fall under its 5/24 rule, which almost results in a denial on your application if you’ve applied for more than 5 credit cards from any bank in the past 24 months.

Our Favorite Chase Card

Chase Sapphire Preferred® Card

POPULAR FIRST CARD
Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

Learn More(at Chase's secure site)

Chase Sapphire Preferred® Card

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
60,000 points
$1,200
$95
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros

  • 5x points on all travel booked via the Chase Ultimate Rewards portal
  • 5x points on select Peloton purchases over $150 (through March 31, 2025)
  • 5x points on Lyft purchases (through March 31, 2025)
  • 3x points on dining purchases, online grocery purchases, and select streaming services
  • 2x points on all other travel worldwide
  • $50 annual credit on hotel stays booked through the Chase Ultimate Rewards portal
  • 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
  • Excellent travel and car rental insurance
  • 10% annual bonus points
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt

Cons

  • $95 annual fee
  • No elite benefits like airport lounge access or hotel elite status
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

Financial Snapshot

  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

In our view, the Chase Sapphire Preferred card is one of the best all-around rewards cards that you should have in your wallet.

It is great at earning points with 5x points on all travel booked via the Chase Ultimate Rewards portal and Lyft purchases (through March 2025), 3x points on dining, online grocery stores, and select streaming services, and 2x points on all other travel worldwide.

Additionally, you have access to an extensive list of Chase transfer partners, a $50 annual hotel credit on stays booked through the Chase Ultimate Rewards portal, 10% annual bonus points based on your yearly spend, and great travel insurance coverages.

Bank of America

Bank of America also has a prominent spot on the front page of its website to help you “Choose the card that works for you.” But these are “featured” cards that are being heavily advertised to everyone, not personalized offers based on your credit profile.

To help you find your personalized offers or other credit cards offered by Bank of America, you will need to click Credit Cards on the upper menu bar of the website.

A larger drop-down menu will feature all of the different credit cards bunched into categories. But before you start clicking, there is a box on the right side of the menu to get “customized credit card offers in less than 60 seconds.”

Once you’ve reached the customized credit card offer page, you will have the option of signing in or continuing without signing in. If you’re already a Bank of America customer, you will instantly get your customized offers. All you need to do is log in and select what type of card you’re interested in. You’ll have the option to search for cards that can help you earn travel rewards, cash rewards, build or rebuild credit, and more!

If you are not already a customer, you will need to provide some personal information like your name and address to allow Bank of America to perform a soft pull of your credit report. You will then be offered specific credit cards based on your interests and creditworthiness in less than 60 seconds!

Our Favorite Bank of America Card

Bank of America® Premium Rewards® Card

Bank of America® Premium Rewards® credit card

Bank of America® Premium Rewards® credit card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Bank of America Premium Rewards card is a great travel rewards card for those looking for a simple approach to earning and redeeming rewards.

Bank of America® Premium Rewards® credit card

The Bank of America Premium Rewards card is a great travel rewards card for those looking for a simple approach to earning and redeeming rewards.
Earn 50,000 bonus points after you spend at least $3,000 in purchases in the first 90 days of account opening.
50,000 points
$500
$95
18.24% - 25.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Bank of America® Premium Rewards® credit card is a great option for anyone looking for a travel rewards card with a simple approach to how you earn and redeem your rewards.

From travel and purchase protections to airline incidental and Global Entry credits, there is plenty to love about the Bank of America Premium Rewards card.

Plus, those that hold status in the Bank of America Preferred Rewards program can get even more value from the card by boosting their rewards by 25% to 75%!

Pros

  • 2x points per $1 on travel and dining purchases
  • 1.5x points per $1 on all other purchases
  • Up to $100 annual airline incidental statement credit
  • Global Entry/TSA PreCheck statement credit
  • No foreign transaction fees
  • Travel protections
  • Purchase protections
  • Boost your rewards rate with the Bank of America Preferred Rewards program

Cons

  • $95 annual fee
  • Points are worth a fixed 1 cent per point, so it isn’t possible to get outsized redemptions via airline and hotel transfer partners
  • Receive 50,000 online bonus points – a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases.
  • If you’re a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87-2.62 points on all other purchases, for every $1 you spend.
  • No limit to the points you can earn and your points don’t expire.
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
  • Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
  • No foreign transaction fees.
  • Low $95 annual fee.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Financial Snapshot

  • APR: 18.24% - 25.24% Variable
  • Foreign Transaction Fees: None

Card Categories

The Bank of America Premium Rewards card is a solid option for those in the market for a rewards credit card thanks to its 2x points on travel and dining purchases and 1.5x points on all other purchases. However, those that hold status in the Bank of America Preferred Rewards program can get even more value from the card by boosting their rewards by 25% to 75%.

This card also offers up to a $100 annual airline incidental statement credit and a Global Entry or TSA PreCheck statement credit, along with good travel and purchase protections.

Citi

Citi Premier Upgraded Points LLC
Image Credit: Upgraded Points

Citi makes it incredibly easy to find pre-qualified offers right on the front page of its credit card website.

You might need to scroll down a bit when you reach the credit card homepage, but that’s where you’ll find the link to get your pre-qualified offers.

This is another basic questionnaire that requires your name, address, last 4 digits of your Social Security number, and what type of credit card you’re most interested in.

After completing that and acknowledging that completing the form won’t affect your credit score, Citi will provide its pre-qualified offers just for you!

If you received a pre-qualified offer in the mail, you can also look at Citi’s credit card homepage and find where to apply that offer there. All you’ll need to do is input the invitation number, and Citi will pull up your custom credit card application.

Our Favorite Citi Card

Citi Premier® Card

Citi Premier® Card

Citi Premier® Card

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Frequent flyers will enjoy 3x ThankYou Points at restaurants, gas stations, supermarkets, air travel, and hotels.

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Citi Premier® Card

Frequent flyers will enjoy 3x ThankYou Points at restaurants, gas stations, supermarkets, air travel, and hotels.
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
60,000 points
$960
$95
21.24% - 29.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Citi Premier® Card is an excellent option for anyone looking for an all-around travel rewards credit card. The card helps you earn points fast with great 3x bonus categories such as restaurants, supermarkets, gas stations, airfare, and hotels. Plus, it offers access to airline and hotel transfer partners, doesn’t charge foreign transaction fees, and has a reasonable annual fee!

Pros

  • 3x points at restaurants, supermarkets, gas stations, airfare, and hotel purchases
  • Access to Citi transfer partners
  • Annual hotel credit
  • No foreign transaction fees

Cons

  • $95 annual fee
  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 60,000 ThankYou® Points are redeemable for $600 in gift cards redeemable for $600 in gift cards or travel rewards at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases

Financial Snapshot

  • APR: 21.24% - 29.24% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Citi ThankYou Rewards

The Citi Premier card offers 3x points at restaurants, supermarkets, gas stations, airfare, and hotel purchases, giving you 5 bonus categories to rack up points with. Plus, you’ll have access to the Citi transfer partners, a $100 annual hotel savings benefit, and no foreign transaction fees.

Credit One

You might not be too familiar with Credit One since it doesn’t offer travel rewards cards and only seem to offer a few different credit card products.

Credit One is an interesting option for those looking to build or improve their credit since it focuses on providing services to people with bad credit. Be aware that most credit card companies that focus on advertising their products to people with bad credit have extremely high interest rates and fees.

Hot Tip:

You should know whether you have a good or bad credit score, and you can easily check it for free with a number of services. We recommend Credit Karma (review). Those with poor credit who want to obtain a credit card may benefit from reading our article on the best credit cards for bad credit.

The best way to be sure if a Credit One credit card is the right choice for you is to see if you have any pre-qualified offers. All you need to do is go to the main Credit One website, and you’ll find an option to easily see if you’re pre-qualified for any of its products or respond to a mailed offer. There are a few additional questions that some of the other banks don’t ask, like total monthly income, phone number, and email address.

It’s important to note that when submitting the pre-qualification questionnaire, you’re acknowledging that Credit One can share certain information with third parties. Credit One also requires your full Social Security number, but it guarantees that using the form will not affect your credit score.

USAA

USAA does offer a few rewards credit cards that could be of interest to current USAA members. These credit cards mainly focus on cash-back and USAA Rewards.

To become a USAA member, there are some specific qualifications you need to meet; these are mainly targeted toward members of the military and their families. You must already be a member to check your pre-qualified offers with USAA, so checking these offers isn’t for everyone.

Are you on active duty? Check out this list of the best credit cards for active-duty military.

Wells Fargo

Wells Fargo doesn’t make it very easy to check your pre-qualified offers unless you already have a Wells Fargo account.

For current Wells Fargo customers, all you need to do is log in to your account and click the Products and Offers tab to find any pre-qualified offers that you would be targeted for.

Potential Wells Fargo customers have no way to see if they’re pre-qualified for any of these credit card offers. You’ll just have to apply and see what happens!

Final Thoughts

You don’t always need to wait for the mail to arrive to check on your pre-qualified offers from these popular banks. We hope this list gives you a good starting point to see what type of credit cards you qualify for.

Most pre-qualified or pre-approval forms you fill out will not affect your credit score at all. This is a risk-free way to see what type of cards may give you the best chance for a speedy approval!

It’s important to remember that even though you may be pre-qualified or pre-approved for a certain credit card, that doesn’t guarantee you’ll be approved if you decide to apply.

Luckily, these forms are easy to fill out, and they do offer a quick way to see what credit cards you are most likely to be approved for.

The information regarding the Indigo® Platinum Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Bank of America® Premium Rewards® credit card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.

Frequently Asked Questions

What are pre-approved credit card offers?

Pre-approved credit card offers are typically when the bank or card issuer has determined that you meet the eligibility for that specific credit card based on your credit profile.

How do I get pre-approved credit card offers?

Most people are used to seeing pre-approved credit card offers in their mailbox, but here we’ve listed ways for you to proactively check what offers you are pre-approved for from specific card issuers. If you are searching for multiple pre-approved credit card offers from various lenders, we recommend starting with CardMatch.

Are pre-approved credit card offers a hard inquiry?

No, banks should not be conducting hard pulls on your credit without your explicit approval. Most card issuers will conduct soft pulls on your credit report to determine what products they can pre-approve you for.

Do pre-approved credit cards hurt your credit score?

No, pre-approved credit card offers are mostly determined by a soft pull of your credit report. Soft pulls do not have any effect on your credit score. Only hard pulls, like when completing a credit application, will have an impact on your credit score.

Can you be denied a pre-approved credit card?

Yes, pre-approved credit card offers are never a guarantee. It’s possible your credit report changed since the card issuer determined you were pre-approved for a specific offer. That is why card issuers still need to conduct a hard pull on your credit report to determine if you still meet the eligibility requirements for approval.

Are there pre-approved credit cards with no annual fee?

Yes, pre-approved offers are not limited to premium credit card offers as we’ve detailed in this post. It’s always important to fully understand the terms and conditions before applying for any credit card, including the annual fee. CardMatch offers an easy way to view pre-approved credit card offers that have no annual fee. All you have to do is select No Annual Fee in the Features section on the left once you see your offers and it will limit your offers to just those special cards!

Are there pre-approved credit cards for students?

Yes, there are pre-approved credit card offers especially for students. Discover is probably the most popular card issuer for students, but don’t be limited to only student cards. Students are able to see other pre-approved credit card offers (like travel rewards cards) but it might be more difficult without a long credit history. It’s best for students to fully understand how to build their credit score so they can take advantage of those type of offers in the future.

How do I stop pre-approved credit card offers?

If you find pre-approved credit card offers annoying, there is a way to stop receiving them. The Federal Trade Commission provides 2 options to opt-out of getting pre-approved offers:

  • To opt-out of pre-approved credit card offers for 5 years, you can call toll-free 888-5-OPT-OUT (888-567-8688) or visit optoutprescreen.com.
  • To opt-out of pre-approved credit card offers permanently you must visit optoutprescreen.com and complete the Permanent Opt-Out Election form.

If you do not want to go the easy route with the FTC Opt-Out process, you can also write to each individual credit consumer reporting company (Equifax, TransUnion, etc.) and opt out that way.

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About Alex Miller

Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business, The New York Times, and more.

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