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How to prequalify for a Credit One Bank credit card

Leverage prequalified offers to find the card best suited to your credit profile

Summary

Credit One Bank offers a great way for potential applicants to see which cards are already matched to their credit profile – without harming their credit score.

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The following post has been sponsored by our partner, Credit One. The analysis and opinions in the story are our own and may not reflect the views of Credit One. Learn more about our editorial policy

Credit One Bank is best known for its cards that help users who need to build their credit scores, but the issuer actually has a wide range of great options for cardholders across the credit score spectrum. 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 profile – without harming their credit score. 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.

Top Credit One Bank credit cards for prequalified offers

Rebuilding credit

Credit One Bank® Visa® Credit Card

Credit One Bank® Visa® Credit Card

Flat-rate cash back rewards

Credit One Bank American Express® Card

Credit One Bank American Express® Credit Card

Competitive rewards

Credit One Bank® Platinum Rewards Visa

Credit One Bank® Platinum Rewards Visa

1% cash back reward on eligible purchases including gas, groceries and services such as mobile phone, internet, cable and satellite TV

 

$0 to $99 annual fee

 

Regular reviews for credit line increase opportunities

Unlimited 1% cash back rewards on all purchases

 

$39 annual fee

 

Deals on shopping, dining and travel through Amex Offers

 

Regular reviews for credit line increase opportunities

 

5% cash back rewards on first $5,000 of eligible gas, grocery, internet, cable, satellite TV and mobile phone services purchases each year (1% cash back rewards thereafter)

 

1% cash back rewards on all other purchases

 

$95 annual fee

 

Additional reward opportunities through More Cash Back Rewards program

 

Regular reviews for credit line increase opportunities

What does prequalification mean?

A prequalified offer is essentially a credit card that is matched to you. When you get an offer online or in the mail that says you are prequalified for a card, it means you are already identified as meeting credit criteria.

Issuers typically determine who prequalifies for a credit card with a soft pull to your credit. That gives the bank more information about your credit history and if you will be a responsible cardholder without affecting your score.

Prequalified offers can be especially beneficial to card applicants who are worried about their approval odds. When you are matched with a prequalified offer, you know you have a good chance of your application being approved, taking a lot of the risk out of your request.

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 its online form. You’ll be prompted to enter basic identifying 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.

Other ways to prequalify for Credit One Bank credit cards

In addition to the prequalification form online, you also might be targeted for a preapproved offer from Credit One Bank. The bank periodically sends out these offers via snail mail. If you’re in the market for a Credit One Bank credit card, keep an eye out.

Boost your chances

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 low. If you have limited credit history, you can also ask a family member to add you as an authorized user on another account.

Prequalifying does not guarantee approval

Prequalification offers are a great strategy for finding the best card for you before submitting an application. Because these matches are tailored to your credit history, you have a great chance of being approved.

However, prequalifying for a credit card does not guarantee approval. There is always a small chance you prequalify for a card, but your application is denied.

Final thoughts

Credit One Bank offers a competitive suite 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.

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.

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Credit Card Rate Report Updated: August 5th, 2020
Business
13.91%
Airline
15.48%
Cash Back
16.09%
Reward
15.82%
Student
16.12%

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