Credit One Bank allows applicants to see which cards match their credit profile without hurting their credit score.
Credit One Bank is best known for issuing credit cards that help cardholders improve their credit, but it also has a wide range of card options available for borrowers from every credit score tier. Whether you need a no-fuss card to help you build a positive credit history or are looking for a competitive rewards program, there is likely a Credit One Bank credit card for your needs.
Luckily, Credit One Bank offers a great way for potential applicants to see which cards are already matched to their credit profiles – without harming their credit scores. With prequalified offers, you can see the cards you are most likely to be approved for, boosting your chances of a successful application. Read on to learn more about taking advantage of this option with Credit One Bank.
How to get preapproved for a Credit One Bank credit card
There are a few ways to see which Credit One cards you might qualify for before actually applying. Note that prequalifying for Credit One offers doesn’t guarantee approval. You’ll still need to apply and go through the card issuer’s credit inquiry process to verify you meet its requirements. These are the ways to prequalify for a Credit One Bank credit card:
Prequalify on the Credit One Bank website
The easiest way to score a prequalified offer for a Credit One Bank credit card is by filling out the online form. You’ll be prompted to enter basic information including your name, the last four digits of your Social Security number and your monthly income.
You’ll then be presented with a list of cards matched to your credit profile. You can view each card’s benefits and apply from there.
Prequalify through CardMatch
Another option to check for prequalified Chase offers is through CardMatch™, a free service on CreditCards.com. Again, you just have to enter some basic information like your address and last four digits of your SSN. Bonus: Checking for prequalified offers won’t trigger a hard pull on your credit or affect your score.
With CardMatch, you’ll see a full list of prequalified matches from issuers and recommended cards recommended for you based on your credit score. If you’re interested in cards from banks other than Credit One, using CardMatch can be a great way to check for many offers at once.
Prequalify through targeted offers
You might be targeted for a preapproved offer from Credit One Bank. It periodically sends out these prescreened offers via snail mail, so keep an eye out for one.
Top Credit One Bank cards for prequalified offers
|Card name||Best for||Rewards||Other benefits||Annual fee|
|Credit One Bank® Platinum Visa® for Rebuilding Credit*||Rebuilding credit||$75 annual fee first year, then $99 annually|
|Credit One Bank American Express® Card||Flat-rate cash back rewards||$39 annual fee|
|Credit One Bank® Platinum Rewards Visa||Competitive rewards||$0 annual fee|
Why you should prequalify with Credit One Bank before you apply
There’s no downside to prequalifying for a Credit One card. Credit One performs a soft credit inquiry during the prequalification process, which doesn’t harm your credit score. And it only runs a hard credit inquiry when you actually apply for a card, which can cause a temporary drop in your score.
By prequalifying, you’ll see which cards fall within your credit range. You may qualify for a card with better rewards and benefits than you thought. Or, you may need to do a little work to improve your credit score and qualify for a better card.
While many Credit One Bank credit cards are available to those with poor credit, some require higher credit scores. If you are hoping for a card typically reserved for good credit (above 670), you might want to take steps to boost your score before applying.
You can improve your credit score by always paying your bills on time and keeping your credit utilization – or the amount of credit you’re currently using divided by your total credit limit – low. If you have limited credit history, you can also ask a family member to add you as an authorized user on another account.
Credit One Bank offers an array of credit cards for all kinds of cardholders – from those building up their scores to applicants who can qualify for top rewards. If you’re considering applying for one of these products, check out your prequalified offers on the Credit One Bank site first. That way, you’ll get a better idea of which cards are within your reach.
*All information about the Credit One Bank Platinum Visa for Rebuilding Credit has been collected independently by CreditCards.com and has not been reviewed or approved by the issuer.