See if im pre approved capital one

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Margaret Wack

Written by Margaret WackArrow RightPersonal Finance Expert Contributor

Margaret has written for Money Under 30, MoneyGeek, The Simple Dollar, CreditCards.com, Interest.com and Fiscal Tiger, among other publications. She writes about subjects including saving, credit, insurance, investing and other financial topics.

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Summary

Preapprovals can give you a good idea whether you’ll be approved for a credit card. Armed with this knowledge, you’ll know better whether to formally apply for the card, which likely comes with a hard credit pull.

The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs.

Capital One offers all kinds of credit cards for every type of user, from secured cards to help build credit to premium travel rewards cards. But for many applicants, it can be nerve-wracking to fill out an application, not knowing if you’ll be approved. Maybe you’re hovering on the edge of the card’s recommended credit range, or you’re worried about your credit history. No matter the reason, it’s always wise to have a practical idea of your approval odds.

Preapproved offers can be a helpful way to find out your chances of getting approved for a credit card. According to Capital One, when you receive a credit card offer that mentions being preapproved or prequalified, “it typically means your credit score and other financial information matched at least some of the initial eligibility criteria needed to become a cardholder.”

When you are preapproved for a credit card, the issuer usually gleans some basic information about your creditworthiness based on a soft credit inquiry of your credit report, which does not impact your credit. While preapproval isn’t a guarantee of approval, you may feel more confident in formally applying for the credit card, knowing your odds of approval are stronger.

And, if you are not approved for a credit card, you can forego the formal application, and the hard credit pull that comes with it.

Read on to learn more about how to get a prequalified offer from Capital One.

How to get preapproved for a Capital One credit card

Currently, Capital One doesn’t offer preapproved offers through CardMatch™, our valuable tool to discover which credit cards you prequalify for with most major credit card issuers. Still, if you’re looking to get preapproved for a Capital One credit card, you have options:

Prequalify on the Capital One website

The first place to search for prequalified Capital One offers is directly on the issuer’s website. Simply answer some questions about your contact information, employment, income and Social Security number and the bank will generate your offers.

If you qualify for a Capital One credit card and wish to continue, you can answer a few more questions to formally apply for the card. Checking for prequalified offers on the Capital One website does not trigger a hard pull to your credit (although proceeding through the full application will).

Other ways to prequalify for Capital One cards

In some cases, Capital One might target you with a prequalified credit card offer. Though less common than they used to be, credit card offers by mail still exist. If you are in the market for a Capital One card, make sure to scan the mailers you might typically throw away for any prequalified offers.

Additionally, you can ask about preapproved Capital One card offers in person at a Capital One branch. Just be sure to confirm that the request will require only a soft pull to your credit.

Top Capital One cards for prequalified offers

75,000 miles if you spend $4,000 in first 3 months

$200 cash back if you spend $500 in first 3 months

3% cash back at grocery stores

Why you should prequalify with Capital One before you apply

Prequalifying is all about protecting your credit score from unnecessary hard inquiries, which can cause a minor hit to your credit score. Remember, if you’re preapproved for a Capital One credit card – or any card for that matter – it doesn’t mean you’re guaranteed to be approved for the card. But by prequalifying, you can feel a little better about incurring a hard inquiry since your odds of approval are greater.

By contrast, if a card issuer doesn’t prequalify you for a credit card, it could mean they discovered an issue in your credit report. Resist any temptation to immediately apply for another credit card, and consider taking some time to improve your credit score. Downloading copies of your credit reports at AnnualCreditReport.com is an excellent place to start. Carefully go through each line of your credit reports looking for errors or fraudulent information, and dispute any mistakes you find with the major credit bureaus.

Tip: A good way to maximize your prequalified offers is to ensure all your personal information with Capital One is kept up-to-date. If you currently have any accounts with the issuer – whether it be another credit card or a bank account – make sure your contact information is up-to-date. You’ll also want to update your income and any other info that might boost your chances of being approved. If Capital One can see you will be a reliable customer, you are more likely to be targeted for an offer.

Bottom line

Whether you are shopping for a credit building or cash back card, Capital One offers users plenty of great products across its credit portfolio. Some Capital One cards are hard to get if your credit is less-than-ideal. Before you risk a hard inquiry and a potential rejection of your application, consider checking for Capital One preapproval offers.

*All information about the Capital One Savor Cash Rewards Credit Card has been collected independently by CreditCards.com. The issuer did not provide the content, nor is it responsible for its accuracy.

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Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Tim Maxwell is a freelance personal finance writer and blogger with a particular focus on credit cards and consumer lending. In 2002, he stumbled upon a copy of "The Millionaire Next Door," by Thomas J. Stanley and William D. Danko, which ignited a passion for learning and sharing fact-based money principles. Tim has a passion for demystifying personal finance and helping people live their best lives.

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How do I see if I am pre

Here's how to check for Capital One pre approval online: Go to the Capital One pre approval page. Enter your name, date of birth, Social Security number and address. Select the type of card that appeals to you most: travel rewards, cash back or low interest (or select “not sure”).

Is Capital One pre

Getting pre-qualified or pre-approved for a credit card doesn't guarantee approval. Pre-qualification and pre-approval for credit cards both typically involve soft inquiries, which don't affect credit scores. But an official application involves hard inquiries, which do affect scores.

Can I check my Capital One application status online?

Otherwise, you can just wait for Capital One to mail a decision within 7 to 10 business days from the application submission date. Capital One does not allow applicants to check their application status online. Checking your Capital One Platinum application status is helpful if you're not immediately approved.