Soft Pull Pre-Qualify Links Part 2. Updated 2/10/2022

[Anonymous]

Previous thread looks like it's now archived. Gonna continue on with a new thread. Feel free to respond to any new links that aren't posted here and I'll update it when I get a chance.

CREDIT CARDS

Open Loop (Visa/Mastercard/Discover/Amex) Credit Cards:

• FNBO (Experian Fico 9) - Shows prequalified amount and APR - https://www.fnbo.com/personal-banking/credit-cards/
• Citi - https://online.citi.com/US/ag/cards/pre-screen?OC=CC-CITI-3CX&intc=megamenu~creditcards~prequal
• Discover (Experian and/or Equifax) - https://www.discovercard.com/application/website/prequal?ICMPGN=PUB_HDR_CARDS_PQ 
• American Express (Experian Fico 8) - https://www.americanexpress.com/us/credit-cards/check-for-offers/?inav=menu_cards_prequal_offer
• Capital One (Experian, Equifax, and Transunion) - https://www.capitalone.com/credit-cards/prequalify/
• Wells Fargo (Transunion and/or Experian) - https://web.secure.wellsfargo.com/credit-cards/yourinfo?sub_channel=WEB&vendor_code=IA&lang=en&produ...
• Amazon Prime Visa (Chase) - https://www.amazon.com/Amazon-Prime-Rewards-Visa-Signature-Card/dp/BT00LN946S
• BlockFi Visa - https://app.blockfi.com/signup?variant=credit-card 
• Walgreens (Synchrony. MasterCard version available) - https://www.walgreens.com/mywalgreens/cards/credit.jsp
• Credit One (Experian) - https://www.creditonebank.com/pre-qualification/data-entry/index?C1BSourceID=C1OX_SI_99&C1BDescripto...
• Merrick Bank Visa (Experian) - https://onlineoffer.merrickbank.com/?code=home&_ga=2.198628326.899425127.1583267511-259444163.158326...
• Prosper Mastercard - https://www.prosper.com/credit-card/apply 
• Upgrade Visa (TransUnion) - Will likely ask for Proof of Income - https://www.upgrade.com/upgrade-card/
• Petal Visa Card (Experian) - Can ask for bank statements - https://www.petalcard.com/

• Deserve Mastercard (Experian) - https://www.deserve.com/ (Prequalifying only available for Student Card)

• Avant Visa Card (Transunion or Experian) - https://www.avant.com/
• CapitalOne/Walmart (Store and Mastercard) (All 3 Credit Bureaus) - https://applynow.capitalone.com/preapproval/?brandCode=WALMARTCB&marketingChannelCode=PREAPPROVALUNS
• Wayfair Card by Citi (Experian and/or Equifax) (Store or Mastercard available) - https://www.wayfair.com/wayfaircard  
• Goldman Sachs/Apple Mastercard (Transunion) - through Apple Wallet on your device
  

• TomoCredit by Community Federal Savings Bank - https://tomocredit.com/ (No hard pull, more like a charge card with weekly payments for 3 months and then bi-weekly/monthly, connects to bank account to set SL, similar to Petal and some others. A good offering for building credit and those new to the USA).

• Bank Mobile Master Card (Transunion) (Will likely ask for income verification) - https://cards.bankmobile.upstart.com/prequal
• Aspire Cash Back Mastercard - Bank of Missouri - https://www.aspire.com/pre-qualify/

Open Loop Credit Cards from Local Banks or Credit Unions. Some may be GeoFenced.:

• Truist Bank (Geofenced to most Southeast US States) - https://creditcard.digitalcommerce.truist.com/product/dcfo
• American Eagle Financial Credit Union - https://www.americaneagle.org/Borrow/Credit-Cards/Visa-Credit-Cards
• GESA Credit Union - https://apply.gesa.com/?_ga=2.145415731.623318167.1618308532-1384501151.1618308532

• Regions Bank (TransUnion) - https://apply.regions.com/creditcards/gettingstarted (only existing Regions' customers can check for offers)

• USAlliance Financial Federal Credit Union (Experian) - https://www.usalliance.org/pre-qualification
• Patelco Credit Union - https://www.patelco.org/s2s/creditcard
• Navy Federal Credit Union (Must be a member to check PQ offers - pre-qualification offers are not guaranteed) - https://digitalapps.navyfederal.org/prequal-member/

Formerly available PQ Links from certain banks. Either temporarily or possibly permanently unavailable.:

• Chase

Closed Loop (Store) Credit Cards:

• Kohls Credit Card (Transunion) - https://www.kohls.com/feature/pre-qual/prequal_inquiry.jsp?icid=prequalfooter
• CareCredit - Synchrony Bank (Transunion and/or Experian) - https://www.carecredit.com/apply/
• Sweetwater.com - Synchrony Bank (Transunion) - https://www.sweetwater.com/financing/
• Alphaeon Credit by Comenity Bank (Equifax/Experian) - https://acquire1.comenity.net/prequal/phone-lookup?clientName=alphaeonvision&cmp=436_web_prequal_alp...
• Gardner-White Furniture - Fortiva Retail Credit - https://www.fortivaloans.com/cf/gardnerwhite/WEB#

• Lowe's Advantage Card by Synchrony (Transunion and/or Equifax) - https://www.lowes.com/l/Credit.html (shows pre-qualified amount and APR) 

• Lexus Pursuits Credit Card by Comenity Bank (Experian or Equifax) - https://d.comenity.net/lexuspursuitscreditcard/pub/Apply/Dealer.xhtml
• IKEA Projekt Card by Comenity Bank (Experian and/or Equifax) - https://d.comenity.net/ikeaprojekt/pub/prequalify/Prequalify.xhtml?cmp=476_web_prequal_ikea
• Lenovo by Synchrony - https://www.lenovo.com/us/en/landingpage/lenovo-financing-options?orgRef=https%253A%252F%252Fwww.mys...
• Dell Financial by Web Bank (Experian) - https://www.dell.com/Financing/Comm/PreQual?s=dhs&l=en&cs=19&c=us&dfsref=dfs&returnurl=https%3a%2f%2...
• Toyota Card by Comenity Bank (Experian and/or Equifax) - https://d.comenity.net/toyotacreditcard/pub/prequalify/Prequalify.xhtml
• Home Depot by Citi (Experian and/or Equifax) - https://citiretailservices.citibankonline.com/apply/home-depot-credit-card?app=PQ01&siteId=PLCN_HOME...

• Jared Jewelers (Hard Pull Possible) Comenity Bank (Experian and/or Equifax) - https://www.jared.com/credit-landing (Some members have reported a hard pull from Jared and Kay Jewelers when pre-qualifying)

• Kay Jewelers (Hard Pull Possible) Comenity Bank (Experian and/or Equifax) - https://www.kay.com/credit-landing (Some members have reported a hard pull from Jared and Kay Jewelers when pre-qualifying)
• Tempur Pedic by WELLS FARGO (Transunion) - https://www.tempurpedic.com/finance-your-purchase/
• Yamaha Card by Web Bank (Transunion) - https://prequalify.yamahacard.com/financing-application.html
• Bob's Discount Furniture by WELLS FARGO - (Transunion) - https://www.mybobs.com/financing-options
• Cocoon Sealy Mattress by WELLS FARGO (Transunion) - https://www.cocoonbysealy.com/financing/#terms_and_conditions
• Bob Mills Furniture Lite Card - Fortiva - www.fortivaloans.com/cf/bobmills/WEB#.
• Pep Boys / Synchrony Car Care - Synchrony Bank (Transunion) - https://www.pepboys.com/pep-boys-credit-card
• OLD NAVY - Synchrony Bank (Transunion and/or Experian) - https://apply.syf.com/eapply/eapply.action?clientCode=OLDNAVY&preQual=Y&sitecode=onacfl7d0
• American Eagle / Aerie - Synchrony Bank (Transunion and/or Experian) - https://apply.syf.com/eapply/eapply.action?clientCode=AE&preQual=Y&sitecode=caehpb8b2
• Walgreens - Synchrony Bank (Transunion and/or Experian) -  https://www.walgreens.com/mywalgreens/cards/credit.jsp

IMPORTANT NOTICE:

There are some credit cards such as Reflex, Surge, Indigo (Celtic Bank), Milestone by (The Bank of Missouri), Fingerhut, First Premier Bank, etc. I have not added any prequalified links for these because the majority have rather high or predatory fees. You would be better off getting a secured card to do your rebuild than any of these.

PERSONAL LOANS

• https://www.peerform.com/
• https://consumer.evenfinancial.com/transunion/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 (CFAs)

• 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

[Shooting-For-800]

Thanks

[Anonymous]

Thank you for this compilation of links.

[Anonymous]

Thanks for keeping this post updated.  I found it super usful when I was looking for cards to build my credit.

One card that I saw that had a pre-qualify link is the Amazon Prime Visa from Chase.  You'll have to already have an Amazon account.  Once you sign in, there should be a pre-qualify link.

https://www.amazon.com/Amazon-Prime-Rewards-Visa-Signature-Card/dp/BT00LN946S

[Anonymous]

Walgreen has a pre-qualify:  https://www.walgreens.com/mywalgreens/cards/credit.jsp

[macinjosh]

Citi pre-selected page is back.

[cashorcharge]

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@macinjosh wrote:

Citi pre-selected page is back.

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New link

https://online.citi.com/US/ag/cards/pre-screen?OC=CC-CITI-3CX&intc=megamenu~creditcards~prequal

[Snoopy916]

The prequals are weird. checked for 7 of them. Approved/pre-qualified for 5 of them with explicit credit lines (ikea $6000, tempurpedic $3100),  but when actually finishing, every single one said they were reviewing the app and will get back to me. 

[Goos]

Maybe I'm doing something wrong but where is the actual prequalify stuff for the Amex business cards . It take me to a site with their cards to explore them . 

[Anonymous]

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@Anonymous wrote:

Thanks for keeping this post updated.  I found it super usful when I was looking for cards to build my credit.

One card that I saw that had a pre-qualify link is the Amazon Prime Visa from Chase.  You'll have to already have an Amazon account.  Once you sign in, there should be a pre-qualify link.

https://www.amazon.com/Amazon-Prime-Rewards-Visa-Signature-Card/dp/BT00LN946S

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This looks like a hard pull. Reading the fine print it's a gamble at the least.