Best Soft Pull Credit Cards

Best Soft Pull Credit Cards lists, let you check for pre-approval and request a credit limit increase without a hard credit inquiry. Most soft-pull credit cards do not, however, allow you to open a new account without a hard inquiry.
With the exception of a handful of secured credit cards that don’t check your credit at all when you apply, you can’t get a credit card without a hard inquiry.

Best Soft Pull Credit Cards List’s 

A hard inquiry is when a lender reviews your credit history in response to your application for credit. Each one does a bit of temporary damage to your credit score, with the impact being most pronounced when you have numerous inquiries in a short period of time. So being rejected for a credit card will make it harder to get approved for your next choice, and you may need to wait a bit before applying again. Soft credit inquiries, on the other hand, usually happen when you check your own credit or a lender does so for normal account maintenance. They don’t affect your credit standing.

Soft pull credit cards for fair credit?

That’s why it can be so helpful to see whether you have a good shot of getting a given card with just a soft pull before you put your credit standing at risk and apply for real. Getting pre-approved for a credit card, means you have a 90%+ chance of approval if you apply. And most major credit card companies allow you to check which of their cards you can get pre-approved for, using just a soft pull.

The Downside.

The only downside to getting pre-approved for a credit card is that you have to do it issuer by issuer. If you don’t feel like doing that, you could check for pre-approval with one credit card company and then use the results to estimate your approval odds for cards from other issuers. For example, if you get pre-approved for a card that requires a minimum of good credit for approval, you should have a pretty good chance of getting other cards for people with good credit.

Soft pull credit cards meaning.

Alternatively, you can sign up for a free account, and we’ll give you personalized
recommendations for credit cards with high approval odds. These recommendations are based on your credit history and financial goals as well as our analysis of application and approval data. Get Your Personalized Credit Card Recommendations – 100% Free
Below, you can learn more about when hard and soft pulls are used for credit cards, including the case of
credit limit increases.

Check Your Availability: Can You Get a Credit Card with a Soft Pull?  Tools YES!!

These issuers offer pre-approval with a soft pull for credit cards:

Upgrade Card Softpull Personal Loan Borrow up to $50,000

Welcome Bonus by fulfilling specific requirements. The program may be modified or canceled at any time. It’s essential to review the terms and conditions and be aware of the eligibility criteria and potential tax implications, $100 for you, $200 for them! 

New customers to Upgrade Cards can earn bonuses. Upgrade, Inc. administers this program, which operates under specific terms and conditions. It’s important to note that financial products and their terms can change over time, so if you are considering obtaining an Upgrade Card or have specific questions about its features and terms, it’s advisable to visit the official Upgrade website or contact Upgrade customer support for the most up-to-date information and to understand the current terms and conditions associated with the card.

The “Upgrade Card” is a financial product issued by Sutton Bank, a Member FDIC bank, pursuant to a license from Visa U.S.A. Inc. It is essentially a credit card that offers various benefits and features. As of my last knowledge update in January 2022, the Upgrade Card was a personal credit line that could be used for making purchases like a traditional credit card.

Some key features and aspects of the Upgrade Card may include:

1. Credit Line: The Upgrade Card provides users with a credit line, allowing them to make purchases up to a certain limit. The specific credit limit is determined based on the individual’s creditworthiness and other financial factors.

2. Monthly Payments: Cardholders are required to make regular monthly payments to pay off their outstanding balances. These payments typically include both the principal amount borrowed and any accrued interest.

3. Interest Rates: The Upgrade Card may have an annual percentage rate (APR) associated with it, which is the cost of borrowing money. The specific APR can vary based on the applicant’s credit history and other factors.

4. Rewards Program: As mentioned in your previous question, the Upgrade Card may offer a Refer a Friend Program with Referral Bonuses and Welcome Bonuses for existing and new customers, respectively. This program is designed to incentivize cardholders to refer friends and family to the card.

5. Terms and Conditions: Like all financial products, the Upgrade Card comes with specific terms and conditions that cardholders must adhere to. These terms may include details about fees, grace periods, late payment penalties, and more.

6. Issuing Bank: The Upgrade Card is issued by Sutton Bank, which is a member of the FDIC, ensuring that cardholders’ deposits are protected up to certain limits.

7. Tax Implications: As mentioned in your previous question, there might be potential tax implications related to the rewards earned through the Upgrade Card, and users are advised to consult with their tax advisors for guidance.

In almost all cases, you cannot get a credit card with a soft pull. The purpose of a hard inquiry is to tell other lenders that you are looking to borrow, which is why it leads to a bit of temporary credit score damage.  Repeatedly applying for credit indicates that you’re desperate to borrow, which is a sign of financial difficulties,  making it riskier to lend to you.  However,  a handful of secured credit cards are an exception to this rule. They don’t check applicants’ credit because there’s no need to.

You have to place a refundable security deposit to open an account, and you can’t build up a balance bigger than the amount of that deposit. So there’s no risk for the issuer.  

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Here are the only soft-pull credit cards

First Progress Platinum Select Mastercard® Secured Credit Card: $39 annual fee. $200 minimum
deposit.
OpenSky® Secured Visa® Credit Card: $35 annual fee. $200 minimum deposit.
Applied Bank® Secured Visa® Gold Preferred® Credit Card: $48 annual fee. $200 minimum deposit.
First Progress Platinum Prestige Mastercard® Secured Credit Card: $49 annual fee. $200 minimum deposit.
All four of these cards report to all three major credit bureaus on a monthly basis. So many of them can help you improve your credit score if you pay the bill on time every month. Their main requirements are that you
have to be at least 18 years old with a U.S. mailing address, Social Security number, and enough money to place a deposit and make monthly minimum payments.
Unfortunately, there aren’t any unsecured soft-pull credit cards. With no balance to protect them, issuers must thoroughly review applicants’ credit history to make sure people with a high likelihood of paying their bills on time get approved.

2024’s Best Credit Cards You Can Get Pre-Approved

We looked for, discovered, and selected a few of our favorite credit cards from issuers giving pre-approval with a soft pull in order to assist you in finding the best card for your circumstances. This consists of cashback credit cards, a card with 0% interest, and two cards with travel benefits.

1. Capital One® Venture® Rewards Credit Card

   • Annual Fee: $95
   • Rewards: 50,000 miles
   • Bonus: Learn More
   • Winners: Capital One® Venture® Rewards Credit Card

2. The Amex EveryDay® Credit Card from American Express

   • Annual Fee: $0
   • Rewards: 10,000 points
   • Bonus: Learn More
   • Winners: The Amex EveryDay® Credit Card from American Express

3. Citi® Double Cash Card – 18-month BT offer

   • Annual Fee: $0
   • Rewards: N/A
   • Bonus: Learn More
   • Winners: Not specified

4. Chase Sapphire Preferred® Card

   • Annual Fee: $95
   • Rewards: 60,000 points
   • Bonus: Learn More
   • Winners: Not specified

Can You Get a Credit Limit Increase with a Soft Pull?

Getting a higher credit limit on an existing credit card could involve either a soft pull or a hard pull. It varies
by the issuer as well as based on the circumstances. For example, some credit card companies use a soft inquiry to evaluate cardholders for automatic credit limit increases and a hard inquiry when a cardholder proactively requests a higher limit. You can find a breakdown of the biggest issuers’ policies below. For more tips and tricks, check out ’s guide to getting a higher credit card limit.

Major bank Credit Cards

American Express

Soft Pull for Automatic Increase: Yes, sometimes, depending on what their system decides.
Soft Pull for Requested Increase: Sometimes, depending on what their system decides.

Bank of America

Soft Pull for Automatic Increase: Yes, sometimes, depending on what their system decides.
Soft Pull for Requested Increase: Sometimes, depending on what their system decides.

Barclays

Soft Pull for Automatic Increase: Yes
Soft Pull for Requested Increase: No

Capital One

Soft Pull for Automatic Increase: Yes
Soft Pull for Requested Increase: Yes

Chase

Soft Pull for Automatic Increase: Yes
Soft Pull for Requested Increase: No

Citibank

Soft Pull for Automatic Increase: Sometimes, depending on what their system decides.
Soft Pull for Requested Increase: Sometimes, depending on what their system decides.

Discover

Soft Pull for Automatic Increase: Yes (may ask to do hard for a closer look)
Soft Pull for Requested Increase: Yes (may ask to do hard for a closer look)

PNC

Soft Pull for Automatic Increase: No automatic increases
Soft Pull for Requested Increase: No
Synchrony Bank

Soft Pull for Automatic Increase: Yes
Soft Pull for Requested Increase: No

USAA

Soft Pull for Automatic Increase: No automatic increases
Soft Pull for Requested Increase: No

U.S. Bank

Soft Pull for Automatic Increase: No automatic increases
Soft Pull for Requested Increase: Sometimes, depending on what their system decides.

Wells Fargo

Soft Pull for Automatic Increase: No automatic increases
Soft Pull for Requested Increase: Yes (may ask to do hard for a closer look)
Soft Pull for Requested Increase: Yes

Personal Bank account loans

The research was done through YouTube and not always 100 updated 

DCU (Digital Credit Union) – https://tinyurl.com/quick-loan-dcu

Money Key & CC FLOW Line of Credit – (Prequalify) – https://tinyurl.com/money-key

Create Your own Paystubs with ADP – https://tinyurl.com/ADP-PAYSTUBS

Andrews FCU – ($500) – https://tinyurl.com/quick-loan-1

Security Plus FCU – ($1,000) – https://tinyurl.com/quick-loan-2

Unify Financial – ($500) – https://tinyurl.com/quick-loan-4

Genisys FCU – ($1,000) – https://tinyurl.com/quick-loan-5

Credit Human – ($500) – https://tinyurl.com/quick-loan-6

Disclaimer: Editorial and user-generated content is not provided or commissioned by financial institutions.
Opinions expressed here are the author’s own and have not been approved or otherwise endorsed by any financial institutions, including those that are advertising partners. Our content is intended for informational purposes only, and we encourage everyone to respect our content guidelines. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation “Sponsored”, where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). 

We try to present a wide array of offers, but our offers do not represent all financial services
companies or products. Noticed a few folks asking for pre-qualify / pre-approval options. Please add more if I missed any.

This is an attempt to help folks rebuild their credit so that you are NOT denied for “Too Many Inquiries” that you could have better used where you actually had a chance, and for the many who just need to scratch that app itch ….. scratch away!

Please note that the availability and terms of these prequalification options may change over time, so it’s a good idea to visit the provided Credit Card links to confirm the most up-to-date information for each credit card.

ACHTUNG! CAUTION! :

There are some really crappy cards such as Reflex, Surge, Indigo (Celtic Bank), and others such as Milestone by (The Bank of Missouri), Fortiva, etc. I have not added pre-qualifiers for these because getting these cards with their rip-off fees upon fees is really a disservice to our society. You would be better off getting a small secured card to do your rebuild than any of these.

EXCEPTION 1:

Did not include BofA because their option is more a recommendation/marketing ploy than a solid prequalification! For those still wanting to try, here is the link: https://secure.bankofamerica.com/secure-offers/public/customizedOffers/?subchannel=ECHPLN&cm_sp=Cons…

• based on information on this forum, you have a better chance if you get an offer with a specific APR, i.e for example 12.9% rather than a range, i.e (12.9% to 24.9%) –

Express.com ( Shopping Cart Checkout Application with last four of you SS # ) Victoriasecrets.com ( Shopping Cart Checkout Application with last four of you SS # ) Sportsmansguide.com ( Shopping Cart Checkout Application with last four of you SS # ) Wayfair.com ( Shopping Cart Checkout Application with last four of you SS # )

PERSONAL  LOANS

Discover – pulls Experian and/or Transunion – https://www.discover.com/personal-loans/
HSBC Personal Loan – pulls Equifax Only – https://personalloanapply.us.hsbc.com/apply/172294#!/personal
LendingClub – pulls Transunion – https://www.lendingclub.com/
Prosper – pulls Transunion – https://www.prosper.com/
Marcus by Goldman Sachs – pulls Transunion – https://www.marcus.com/us/en/personal-loans
Upgrade – pulls Transunion and also offers the Upgrade Visa card – https://www.upgrade.com/
Bestegg – pulls Experian and/or Transunion – https://www.bestegg.com/apply-now/
Sofi – offers personal, student, home loans, etc. – pulls Experian and/or Transunion – https://www.sofi.com/
Upstart – pulls Experian, Equifax, or Transunion – https://www.upstart.com/
FreedomPlus – https://www.freedomplus.com/?utm_medium=organic&utm_source=website&utm_campaign=freedomplus.com
Rocket Loans – pulls Experian and/or Transunion – https://www.rocketloans.com/
Payoff Loans – pulls Transunion – https://www.payoff.com/
Better.com – For Mortgage preapproval with a Transunion Soft-pull – https://better.com/

CONSUMER FINANCE ACCOUNTS

Affirm – Pulls Experian – https://www.affirm.com/
Sezzle – Pulls Experian – https://sezzle.com/
Klarna – Pulls Experian or Transunion – https://www.klarna.com/us/
Regional Finance – Pulls Equifax – https://www.regionalfinance.com/
Conn’s Home Plus (Pulls any 1 Bureau at random) – https://www.conns.com/yes-money-credit

List of Personal loan lenders with PREAPPROVAL links.

On @Girlzilla88’s advice in my previous post, here are pre-qualifying links for personal loans based on a soft-pull. Again, no point in wasting hard pull inquiries. Almost all lenders on the list below will give you an offer, or allow you to choose from multiple offers, and only when you pick one and decide to proceed, will there be a hard pull. As always, only put income that you can prove as there is a good chance that you will be asked for verification of income (via taxes or paystubs).

Lenders: Where to find money?

Links are to actual lenders, not aggregator sites. Please add more links to direct lenders (not aggregator sites, i.e. LendingTree is an aggregator side) – in your comments if I have missed any.
HSBC Personal Loan – pulls Equifax Only – https://personalloanapply.us.hsbc.com/apply/172294#!/personal
LendingClub – pulls Transunion – https://www.lendingclub.com/
Prosper – pulls Transunion – https://www.prosper.com/
Marcus by Goldman Sachs – pulls Transunion – https://www.marcus.com/us/en/personal-loans
Upgrade – pulls Transunion and also offers the Upgrade Visa card – https://www.upgrade.com/
Bestegg – pulls Experian and/or Transunion – https://www.bestegg.com/apply-now/
Sofi – offers personal, student, home loans, etc. – pulls Experian and/or Transunion – https://www.sofi.com/
Upstart – pulls Experian, Equifax, or Transunion – https://www.upstart.com/
FreedomPlus – https://www.freedomplus.com/?utm_medium=organic&utm_source=website&utm_campaign=freedomplus.com
Rocket Loans – pulls Experian and/or Transunion – https://www.rocketloans.com/
Payoff Loans – pulls Transunion – https://www.payoff.com/
better.com – For Mortgage preapproval with a Transunion Soft-pull – https://better.com/

Minimize Rejection: Check if You’re Prequalified for a Credit Card
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, commissioned, or otherwise endorsed by
any of our network partners.

Reviewed By Julie Sherrier
Updated on Wednesday, May 22, 2019
Are you avoiding a credit card application because you’re afraid of being rejected? Want to see if you can be approved for a credit card without having an inquiry hit your credit
score?
Some large banks give you the chance to see if you are prequalified for cards before you officially apply. You give a bit of personal information (name, address, typically the last four
digits of your Social Security number) and they will tell you if you are prequalified. This is the best way to see if you can get a credit card without hurting your credit score.
What does prequalify mean?
Prequalification typically utilizes a soft credit inquiry with a credit bureau (Experian, Equifax, TransUnion). A soft inquiry does not appear on your credit report, and thus will not harm
your credit score.
Banks also create prequalified lists by buying marketing lists every month from a credit bureau. They buy the names of people who would meet their credit criteria and keep that list.
When you see if you are prequalified, the bank is just checking to see if you are on their list.
A soft inquiry provides the bank with some basic credit information, including your score. Based on the information from the credit bureau, the bank determines whether or not
you have been prequalified for a credit card.
If you are not prequalified, that does not mean you will be rejected if you apply for the card. When the credit card company pulls a full credit report, you may still be approved for the
card. Conversely, even if you are prequalified for the credit card, you can still ultimately be rejected. Why would this happen?
Even with these caveats, checking to see if you are prequalified is a great way to shop for a credit card without hurting your score.
Where can I see if I have been prequalified?
Many (but not all) banks have prequalification tools. Here are some banks that do offer online prequalification services:
Bank of America
Citibank
American Express
Discover
Chase
Consider a personal loan (No hard inquiry and lower rates)
When you complete a formal credit card application, you provide additional personal information, including your employment and salary. If you are unemployed, or if your salary
is too low relative to your debt, you could be rejected.
When a full credit bureau report is pulled, the bank gets more data. Some of that incremental data may also result in a rejection.
Your information may have changed. The bank may have prequalified you a week ago, but since then you have missed a debt payment. Final decisions are always made using
the most up-to-date information.

Personal loans without a hard inquiry.

If you need to borrow money, you may also want to consider a personal loan. A number of internet-only personal loan companies allow you to see if you are approved (and what
your interest rate and loan amount would be) without a hard inquiry. Personal loans may also feature lower interest rates than credit cards, although this isn’t always the case.
We recommend starting your personal loan shopping experience at LendingTree. By filling out one quick online form, dozens of lenders may compete for your business.
LendingTree uses a soft credit pull, and within minutes you will be able to see how much you qualify for – and the interest rate – without any harm to your credit score.
LendingTree is our parent company. LendingTree is unique in that you may be able to compare up to five personal loan offers within minutes. Everything is done online and you may be pre-qualified by
lenders without impacting your credit score. LendingTree is not a lender. Terms Apply. NMLS #1136

• Website URL: https://myface5.com/BestSoftPullCreditCards