The Pre-Qualify Chart: How To Improve Your Approval Rate For New Credit Cards

Applying for new credit should never be stressful, but it should be continuously sought after since credit is better than cash. That’s why you should always pre-qualify when you are unsure of your chances.

Pre-qualifying for a new credit card is like a cheat code. It allows you to see exactly what cards you qualify for without adding a credit inquiry to your credit score.

The following chart was compiled by scouring many credit related message boards. Use this to pre-qualify for your next credit card. Read the instructions below as well.

BanksPre-Qualify LinksReconsideration LinesCredit Bureaus Pulled
American ExpressPersonal: Pre-Qualify Link
Business: Pre-Qualify Link
1-877-399-3083Experian
Bank of AmericaPre-Qualify LinkPersonal: 1-800-732-9194
Business: 1-866-695-6598
Experian and/or TransUnion
BarclaysMust receive pre-approve offer through mailPersonal: 1-866-408-4064
Business: 1-866-710-2688
TransUnion
Capital OnePre-Qualify Link1-800-625-7866Equifax, Experian, and/or TransUnion
ChasePre-Qualify LinkPersonal: 1-888-270-2127
Business: 1-800-453-9719
Equifax and/or Experian
CitibankPre-Qualify LinkPersonal: 1-800-695-5171
Business: 1-800-763-9795
Experian
DiscoverPre-Qualify Link1-888-676-3695Equifax and/or Experian
HSBC BankMust receive pre-approve offer through mail1-888-385-8916Equifax and/or TransUnion
PNCMust receive pre-approve offer through mail1-800-762-2265Experian
Synchrony FinancialMust receive pre-approve offer through mail1-866-226-5638Experian and/or TransUnion
USAATo pre-qualify you must already be a member. If so, follow these steps:

  • Log into your account.

  • Search for "offers".

  • Select "My Offers Page".

  • The list of pre-qualified offers will be displayed.

1-800-531-8722Experian
U.S. BankMust receive pre-approve offer through mail1-800-947-1444Equifax and/or TransUnion
Wells FargoMust receive pre-approve offer through mail1-866-412-5956Experian and/or TransUnion

NOTE: Bank phone numbers and links change regularly. Notify me via the comments if you have any updates for this chart.

Step-By-Step: How To Use This Chart

If your credit scores are all above 730 and it’s been over 2 months since you’ve last applied for new credit, then you shouldn’t need this chart. Chances are you will most likely get approved for any new credit card.

However if this is not you, then proceed.

  1. Get your credit score from the 3 bureaus and write down the numbers.
  2. Whatever bureau is your highest, target a bank that pulls from the credit bureau based on the above chart..
  3. Click that bank’s Pre-Qualify link if it exists.
  4. Fill out the information on the form.
  5. IMPORTANT: Look for the words “You pre-qualify”. If it doesn’t say that, you may not be pre-qualified.
  6. If pre-qualified, apply. (NOTE: If the card you want is listed below, use my affiliate link so that I too may get rewards. Thank you!)
  7. If approved, skip to step 10.
  8. If denied, call the reconsideration line.
  9. Find out why you weren’t approved and be prepared to state your case as to why you should be approved.
  10. Notify me via the comments of any updates the chart needs.

My Favorite Credit Cards

CardOfferSpend RequirementAnnual FeePoints / Cash Back RewardsPerksLink
American Express® Gold Card 40,000 Membership Rewards® Points = $400$2,000 in 3 months$250 (waived first year)
  • 4x points on dining worldwide and US supermarkets
  • 3x points on flights booked from airline or amextravel.com
  • 1x points on everything else
  • $120 Annual Dining Credit (Select Locations)
  • $100 Annual Airline Fee Credit
  • The Hotel Collection
  • Baggage Insurance
Apply Now ▶
Blue Cash Everyday® Credit Card from American Express $200$1,000 in 3 months$0
  • 3% cash back at US supermarkets
  • 2% cash back at US gas stations
  • 2% cash back at select department stores
  • 1% cash back on everything else
  • 0% APR for 15 months on purchases & balance transfers
  • 0% intro APR for 15 months on purchases
Apply Now ▶
Chase Freedom® Credit Card 15,000 Ultimate Rewards® points = $150$500 in 3 months$0
  • 5% cash back quarterly on rotating select categories (ie US supermarkets, US gas stations, Apple Pay, Toll Roads, etc)
  • 1% cash back on everything else
  • Purchase protection for up to 120 days
  • Extended warranty by an additional year
  • Zero liability on unauthorized charges
Apply Now ▶
Chase Ink Business Preferred℠ Credit Card 80,000 Ultimate Rewards® points = $800$5,000 in 3 months$953X points per dollar on the first $150,000 combined spending in the following categories:
  • Advertising purchases made with social media sites and search engines
  • Travel, including airfare, hotels, rental cards, train tickets and taxis
  • Internet, cable and phone services
  • Shipping purchases
  • Purchase protection for up to 120 days
  • Extended warranty by an additional year
  • Zero liability on unauthorized charges
Apply Now ▶

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