Soft-pull PREAPPROVALs - Updated 4/20/21

[AllZero]

Did you post on that thread topic?

If so, did you check your history post?

[FAMUGrad2001]

Actually turned out to be TU pull. It showed up the next day. 

[Charmante]

Which Credit Cards offer the Pre-APPROVAL option, where I can see if I'll be approved WITHOUT an Inquiry or Lowering my Credit Score? Please list ALL Banks and Companies which offer this feature. Thank you all!!!

[Anonymous]

I did this tonight for S&Gs. Seems Toyota ($2000, 28.6%!, $199 must spend immed...?) and Wayfair ($?) wanna give me love. Too bad i'm in the garden :-(

n/a = i would never buy anything or it's not appropriate for me

1. BB&T (Pulls Equifax) - https://www.bbt.com/offers/checkOffers	No, No products
2. HSBC (Pulls Equifax) - https://apply.us.hsbc.com/apps/servlet/SmartForm.html?formCode=ccoprequal&promoid=RVQ&marketingcode=...	No, No products
3. Ikea Projekt Card by Comenity Bank (Pulls Experian, and/or Equifax) - https://d.comenity.net/ikeaprojekt/pub/prequalify/Prequalify.xhtml?cmp=476_web_prequal_ikea	No, No products
4. BBVA (uses Experian Fico 9) - https://online.bbvausa.com/apply/credit-card-prequal	No, Geofenced
5. Regions Bank (Pulls TransUnion) - https://apply.regions.com/creditcards/gettingstarted	No, Geofenced
6. Wayfair Card by Comenity Bank (Pulls Experian, and/or Equifax) - https://www.wayfair.com/wayfaircard	Yes, no amt
7. Dell Financial (Pulls Experian) - https://www.dell.com/Financing/Comm/PreQual?s=dhs&l=en&cs=19&c=us&dfsref=dfs&returnurl=https%3a%2f%2...	n/a
8. Discover card (Pulls Experian, and sometimes Equifax) - https://www.discovercard.com/application/website/prequal?ICMPGN=PUB_HDR_CARDS_PQ	Already have
9. Citicards (Pulls Experian and Equifax) - https://www.citicards.com/cards/credit/application/flow.action?isInvitation=N	No, IIB
10. American Express (Pulls Experian Fico 8) - https://www.americanexpress.com/us/credit-cards/check-for-offers/?inav=menu_cards_prequal_offer	No, IIB
11. Apple by Goldman Sachs (Pulls Transunion) - thru your Apple Wallet on your device	No, Decline
12. Toyota Card by Comenity Bank (Pulls Experian, and/or Equifax) - https://d.comenity.net/toyotacreditcard/pub/prequalify/Prequalify.xhtml	Yes, $2000
13. Capital One (Pulls Experian, Equifax, and Transunion) - https://www.capitalone.com/credit-cards/prequalify/	Yes, QS1
14. Credit One Bank (Pulls Experian) - https://www.creditonebank.com/pre-qualification/data-entry/index?C1BSourceID=C1OX_SI_99&C1BDescripto...	No, IIB
15. Merrick Bank (Pulls Experian) - https://onlineoffer.merrickbank.com/?code=home&_ga=2.198628326.899425127.1583267511-259444163.158326...	Already have
16. HomeDepot by Citi (Pulls Experian and/or Equifax) - https://citiretailservices.citibankonline.com/CRS/acq/launch/index.action?app=PQ01&siteId=PLCN_HOMED...	No, No products
17. JP Morgan Chase (Pulls Experian & Equifax): https://www.chase.com/prequalified	No, IIB
18. American Express Business Card Prequalifier (Pulls Experian) - https://www.americanexpress.com/us/credit-cards/business/prequalify-for-business-credit-card	n/a
19. Kohls Credit Card issued by Capital One (Can pull any bureau) - https://www.kohls.com/feature/pre-qual/prequal_inquiry.jsp?icid=prequalfooter	No, No products
20. Jared Jewelers issued by Comenity Bank (Pulls Experian, and/or Equifax) - https://www.jared.com/credit-landing	n/a
21. Kay Jewelers issued by Comenity Bank (Pulls Experian, and/or Equifax) - https://www.kay.com/credit-landing	n/a
22. Upgrade Visa Card (Pulls TransUnion) - Will likely ask for Proof of Income - https://www.upgrade.com/upgrade-card/	No, No products
23. Petal Visa Card (Pulls Experian) - Can ask for bank statements - https://www.petalcard.com/	No, No products
24. Deserve Mastercard (Pulls Experian) - https://www.deserve.com/	No, No products
25. Avant Visa Card (Pulls Transunion or Experian) - https://www.avant.com	No, No products
26. USAlliance Financial Federal Credit Union (Pulls Experian) - https://www.usalliance.org/pre-qualification	No, No products

[Wavester64]

Is it confirmed that the Apple Card is a SP pre-qualified app? It seemed to take me pretty far and when it got to wanting a copy of my license, I canceled.

[Anonymous]

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@Wavester64 wrote:

Is it confirmed that the Apple Card is a SP pre-qualified app? It seemed to take me pretty far and when it got to wanting a copy of my license, I canceled.

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Yes. You will get to a screen that says you've been accepted with x% APR and $y limit and if you accept then THAT will be your HP. If you are declined or you decline them, it's only a soft pull. Trust me I've done it several times always denied and no HP

[Anonymous]

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@Wavester64 wrote:

Is it confirmed that the Apple Card is a SP pre-qualified app? It seemed to take me pretty far and when it got to wanting a copy of my license, I canceled.

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Yes. It showed me my approval amount and APR and said that if I accept they would do a hard pull. I declined.

[Phoenixupward]

USAlliance Financial Federal Credit Union -   I tried their prequalification tool just for fun.  I'm so bored.  I was preapproved and I  decided not to pursue it any further.  A CSR contacted me and tried to persuade me  to do a balance transfer since their apr is 8%.  I politely declined.  But I'm here to say that their prequalification tool is rock solid.  Thanks for the list.  Stay safe 

[justjac2]

BankMobile - I checked the pre-qualifier last night expecting nothing, but was offered $10K Rewards card at 14.74%.  This would be my highest approval and lowest APR by far since my 2013 CH13, so I hit the Accept button. My alerts went crazy, and I got the approval screen. I'm still stunned. 764 TU FICO8, 15/24. 
OH, thanks so much for this list! I will be locking my reports and heading to the garden (and asking for advice on my accounts later!). Have a great day!

[waqaszm1]

updated on 4/23/20.

Options #27 thru #31 were advised by @Nostradamuz, so due credit. Thank you.