Best Pre Approval Credit Cards 2024

Best Pre Approval Credit Cards 2024 :Pre-approved credit cards provide an opportunity for individuals with marginal credit scores to gauge their likelihood of opening a new line of credit without the consequent credit score impact of a hard inquiry.

In the realm of consumer credit, one of the most confounding concepts is the notion that creditors pulling your credit can actually harm your credit score. After all, isn’t the purpose of credit reports for creditors to review them?

Indeed, it is. However, there’s more to consider. From the perspective of future lenders, each hard credit inquiry signifies more than just a request for additional credit. Rather, it represents a potential inclination to accumulate more debt—a factor that could impede your ability to repay new creditors.

This concept can be particularly detrimental when searching for the perfect credit card. Not only do individual cards have their own credit requirements, but issuers may also impose specific criteria (such as Chase’s 5/24 rule) that could lead to rejection despite excellent credit scores. Fortunately, there’s a way to circumvent the frustration of wasted credit inquiries: credit card pre-qualification.

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Discover it® Miles

UNLIMITED BONUS: Discover offers an unparalleled Mile-for-Mile match for all new cardmembers—exclusively from Discover. At the end of your first year, Discover matches all the Miles you’ve earned without limits. For instance, if you accumulate 35,000 Miles, you’ll receive an astonishing 70,000 Miles. No sign-ups, no minimum spending requirements, and no maximum rewards—just a straightforward Miles-for-Miles match.

Additionally, automatically earn unlimited 1.5x Miles for every dollar spent on every purchase. Enjoy the convenience of no annual fee and the flexibility to convert Miles into cash or redeem them as statement credits for various travel purchases such as airfare, hotels, rideshares, gas stations, and restaurants, among others.

Benefit from a 0% intro APR for 15 months on purchases, followed by a Standard Variable Purchase APR of 17.24% – 28.24%. Discover goes beyond traditional card features by assisting in the removal of your personal information from select people-search sites that may sell your data—completely free, and easily activated through the mobile app.

Discover cards are widely accepted nationwide, with 99% coverage at establishments that accept credit cards. Moreover, you can enhance security by instantly freezing your account using the mobile app or website, preventing new purchases, cash advances, and balance transfers. Plus, receive alerts if your Social Security number is detected on any of thousands of Dark Web sites, activated at no cost.

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Capital One VentureOne Rewards Credit Card

Enjoy the perks of a $0 annual fee and no foreign transaction fees.
Earn a generous bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equivalent to $200 in travel.
Benefit from earning unlimited 1.25X miles on every purchase, every day.
Your miles will never expire for the life of the account, and there’s no cap on how many you can earn.
Earn an impressive 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll access Capital One’s best prices on thousands of trip options.
Redeem your miles to get reimbursed for any travel purchase, or utilize them by booking a trip through Capital One Travel.

Chase Freedom Unlimited®

INTRO OFFER: Earn an additional 1.5% cash back on all your purchases (up to $20,000 spent in the first year), equating to potential cash back worth up to $300!
Delight in 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program offering redemption options for cash back, travel, gift cards, and more. Receive 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, and 3% cash back on all other purchases (up to $20,000 spent in the first year).
Post your first year or after spending $20,000, relish 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants (including takeout and eligible delivery services), and an unlimited 1.5% cash back on all other purchases.
There’s no minimum requirement to redeem for cash back. Choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Your Cash Back rewards never expire as long as your account remains open!
Enjoy a 0% Intro APR for 15 months from account opening on both purchases and balance transfers, followed by a variable APR of 20.49% – 29.24%.
Say goodbye to annual fees—You won’t incur an annual fee for all the fantastic features that accompany your Freedom Unlimited® card.

Citi Double Cash® Card

Earn $200 cash back after spending $1,500 on purchases within the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, redeemable for $200 cash back.
Earn 2% cash back on every purchase: 1% when you make the purchase, and an additional 1% as you pay for those purchases. To earn cash back, ensure you pay at least the minimum due on time. Additionally, for a limited time, earn a total of 5% cash back on hotel stays, car rentals, and attractions booked through the Citi Travel℠ portal until 12/31/24.
Balance Transfer Only Offer: Benefit from a 0% introductory APR on Balance Transfers for 18 months. Following this period, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
Note: Balance Transfers do not earn cash back, and the introductory APR does not apply to purchases. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
An introductory balance transfer fee of 3% of each transfer (minimum $5) applies within the first 4 months of account opening. After this period, the fee will be 5% of each transfer (minimum $5).

Capital One Quicksilver Cash Rewards Credit Card

Get a one-time $200 cash bonus upon spending $500 on purchases within 3 months from account opening.
Earn unlimited 1.5% cash back on every purchase, every day.
Enjoy a $0 annual fee and no foreign transaction fees.
Receive up to 6 months of complimentary Uber One membership statement credits through 11/14/2024.
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, accessing Capital One’s best prices on thousands of trip options. (Terms apply)
No need for rotating categories or sign-ups to earn cash rewards. Furthermore, cash back doesn’t expire for the life of the account, and there’s no limit to how much you can earn.

Citi Simplicity® Card

Experience the convenience of No Late Fees, No Penalty Rate, and No Annual Fee… Ever.
Benefit from a 0% Intro APR for 21 months on balance transfers from the date of the first transfer, and 0% Intro APR for 12 months on purchases from the date of account opening. Afterward, the variable APR will be 19.24% – 29.99%, based on your creditworthiness. Note: Balance transfers must be completed within 4 months of account opening.
There is an introductory balance transfer fee of $5 or 3% of the transfer amount, whichever is greater, for balance transfers completed within 4 months of account opening.
Enjoy added security with Citi® Quick Lock.

Discover it® Balance Transfer

INTRO OFFER: Unlimited Cashback Match for all new cardmembers – exclusively from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back on everyday purchases at different places you shop each quarter, such as grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Additionally, earn unlimited 1% cash back on all other purchases—automatically.
Redeem your rewards for cash at any time.
Please note that your account may not always be eligible for balance transfers, as eligibility is determined at Discover’s discretion.
Discover also offers assistance in reducing exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. This service is free and can be activated using the mobile app.
Enjoy the added benefit of no annual fee.

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Ink Business Unlimited® Credit CardDiscover it® Balance Transfer

Receive a $750 bonus cash back after spending $6,000 on purchases within the first 3 months from account opening.
Earn unlimited 1.5% cash back on every purchase made for your business.
Enjoy the benefit of No Annual Fee.
Redeem rewards for cash back, gift cards, travel, and more through Chase Ultimate Rewards®.
Accelerate reward earnings with employee cards at no additional cost. Set individual spending limits for greater control.
Benefit from round-the-clock monitoring for unusual credit card purchases.

Capital One Spark Cash Select for Good Credit

Benefit from a 0% Intro APR for the initial 12 months; thereafter, a variable APR of 21.24% – 29.24% applies.
Earn unlimited 1.5% cash back for your business on every purchase, everywhere, with no limits or category restrictions.
Enjoy the perk of No annual fee.
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
Your rewards won’t expire for the life of the account.
Redeem your cash back rewards for any amount.

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Capital One Spark Miles for Business

Earn a one-time bonus of 50,000 miles – equivalent to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
Earn unlimited 2X miles per dollar on every purchase, everywhere, with no limits or category restrictions, and miles won’t expire for the life of the account.
Receive unlimited 5X miles on hotels and rental cars booked through Capital One Travel.
Transfer your miles to 15+ travel loyalty programs.
Instantly redeem your miles for any travel-related purchases, ranging from flights and hotels to ride-sharing services.
Enjoy skipping the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry.

click here – Discover it® Cash Back 2024