There are lots of different ways to get prequalified offers for a Capital One card – helping you predict which cards you are most likely to be approved for.
But for many applicants, it can be nerve-wracking to fill out an application and not know if you’ll be approved. Maybe you are hovering on the edge of the card’s recommended credit range or you are worried about your credit history. No matter the reason, it is always smart to have a practical idea of your approval odds.
What’s the best way to do this? You can (and should) research the suite of Capital One credit cards and who they are best for. But there is an even better way to know which products are best for you. With prequalified card offers, you can get personalized recommendations based on your credit history and get a solid understanding of which credit cards might approve your application.
Read on to learn more about how to get a prequalified offer from Capital One.
Top Capital One cards for prequalified offers
|2 miles per dollar on all purchases|
100,000 miles if you spend $20,000 in first 12 months, or still earn 50,000 miles if you spend $3,000 in first 3 months
|1.5% cash back on every purchase|
$200 cash back if you spend $500 in first 3 months
|4% cash back on dining and entertainment purchases|
2% cash back at grocery stores
1% cash back on all other purchases
$300 cash back if you spend $3,000 in first 3 months
Check for offers on CardMatch
One place to check for prequalified Capital One card offers is CardMatch™, CreditCards.com pre-qualification tool. When you enter your information on CardMatch – such as your name, address and last four digits of your Social Security number – you’ll unlock personalized offers from several credit card issuers, including Capital One.
Best of all, checking for offers on CardMatch does not trigger a hard pull to your credit score. All your prequalified offers and recommendations are based on a soft pull.
Prequalify on the Capital One website
In addition to offers via CardMatch, you can check for prequalified Capital One offers directly on the issuer’s website. Simply enter your identifying information and social security number, and the bank will generate your offers.
Like with CardMatch, checking for prequalified offers on the Capital One website does not trigger a hard pull to your credit.
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 prequalified Capital One card offers in-person at a Capital One branch. Just be sure to confirm that the request will only require a soft pull to your credit.
Boost your chances of getting approved
If you don’t get prequalified for the Capital One card you want, it does not mean you won’t be approved. In many cases, you can still qualify for the card via a traditional application. But for those looking to protect their credit score from the effects of a hard pull in case of rejection, you might consider boosting your approval odds before you apply.
Work on your score
The first, and most important, thing you can do to boost your chances of getting a pre-qualified Capital One offer is work on improving your credit score. Do so by making all your payments on time and keeping your credit utilization ratio low.
Keep information up-to-date
Another 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.
Prequalifying does not guarantee approval
While applying through prequalified credit card offers is a great way to maximize your approval odds, it is not a guarantee. Just because you are prequalified for a card does not mean you will be approved. In some cases, you can receive a prequalified offer only for your application to be denied.
Nevertheless, it is always a good idea to check your prequalified offers before applying for a card – as it gives you your best idea of what you can qualify for.
Whether you are shopping for a credit building or cash back card, Capital One has plenty of great products to offer users across the credit portfolio. To maximize your chances of approval, consider checking for prequalified offers with the bank before you apply.