How to prequalify for a Credit One Bank credit card
January 14, 2021
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 â 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® for Rebuilding Credit |
Flat-rate cash back rewards
Credit One Bank American Express® Credit Card |
Competitive rewards
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. Youâll be prompted to enter basic identifying information including your name, the last four digits of your Social Security number and your monthly income.
Youâll then be presented with a list of cards matched to your credit profile. You can view each cardâs benefits and apply from there.
Prequalify through CardMatch
Another option to check for prequalified Chase offers is through CardMatchâ¢, a free service on CreditCards.com. Like on the Credit One site, you’ll just enter some basic information like your address and last four digits of your SSN. It won’t trigger a hard pull to your credit or affect your score.
With CardMatch, you’ll see a full list of both prequalified matches from issuers and cards recommended for you based on your credit score. If you’re interested in cards from banks other than Credit One, this can be a great option to check for many offers at once.
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 prescreened offers via snail mail. If youâre 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 â from those building up their scores to applicants who can qualify for top rewards. If youâre considering applying for one of these products, check out your prequalified offers on the Credit One Bank site first. That way, youâll get a better idea of which cards are within your reach.
Source: creditcards.com
