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Established Contributor
Posts: 527
Registered: ‎05-31-2013
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Re: Bank of America Cash Rewards Card. Hard or Soft Pull?? Worth it with a pre-approval?

If you do take the plunge FYI CLI's are a HP regardless of what the rep on the phone says. I was told SP for CLI and the next day I had an alert for a new HP. It's not a bad card though I like mine and have never had any major issues w BOA.

Senior Contributor
Posts: 3,377
Registered: ‎04-04-2013
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Re: Bank of America Cash Rewards Card. Hard or Soft Pull?? Worth it with a pre-approval?

Pre-approvals are a dime a dozen, and not accurate predictors of card acceptance. Better than nothing, I suppose.


I would ignore the pre-approval. Instead chose a card with the best rewards in the categories you want. 3% on Gas Stations and 2% on Grocery Stores isn't very good. There are cards with 5% in those categories that aren't very difficult to obtain. The Sallie Mae Rewards Mastercard jumps to mind, with 5% in both categories, but with separate $250 monthly caps (1% afterwards).

TU-8: 771 EX-8: 775 EQ-8: 771    EX-8 Bankcard: 805    TU-9 Bankcard: 795 EQ-9: 822    EX-98: 725 EQ-04: 740 Total $437,800

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