Many issuers can help determine your chances of getting pre-approved credit cards for bad credit without you having to do a credit check. Some cards have an APR or credit limit before you sign up. One of the most important requirements is your Social Security number, which can be used to check your credit history with major credit bureaus.
Credit card issuers will often conduct a credit inquiry to determine your creditworthiness before you apply for credit cards. They will review your credit report to assess whether your poor or bad credit score may affect your credit card application.
Prequalification and preapproval are two of the most important credit card companies. If you have a limited credit history, they will analyze your overall credit profile to estimate your approval odds. Soft inquiries don’t impact your scores.
You can still apply in writing for the card using an online form. It may only sometimes guarantee approval. Some credit cards will display the offer you have along with your credit limit and APR. Remember that the issuer will report your account activity to the credit bureau, which affects your credit history.
Suppose you need better credit and are looking for guaranteed approval credit cards. In that case, you may be interested to know that some issuers offer unsecured cards without requiring a refundable security deposit. However, it’s important to note that card issuers may still conduct a credit inquiry to determine your creditworthiness during the application process.
These terms differ from mortgages and are worth remembering. Additionally, some cards may display an offer along with your credit limit and APR, but reading the fine print before applying in writing is always a good idea.
Moreover, certain credit cards may exhibit an offer, including credit limit, credit line increase, and APR, for instant loans online guaranteed approval. Still, perusing the terms and conditions before making written applications is prudent.
We are delighted to present our comprehensive reach across the United States in providing pre-approved credit cards specifically tailored for individuals with bad credit. Our commitment to empowering financial growth knows no boundaries, as we proudly serve customers in numerous states nationwide. Below, you will find a table highlighting all the American states where our company is active, offering accessible credit options to those seeking to rebuild their credit history. Explore the table to discover if your state is among the areas we serve and unlock the opportunity to access the financial tools you need for a brighter future.
| AL (Alabama) | AK (Alaska) | AZ (Arizona) | AR (Arkansas) |
| CA (California) | CO (Colorado) | CT (Connecticut) | DE (Delaware) |
| DC (District Of Columbia) | FL (Florida) | GA (Georgia) | HI (Hawaii) |
| ID (Idaho) | IL (Illinois) | IN (Indiana) | IA (Iowa) |
| KS (Kansas) | KY (Kentucky) | LA (Louisiana) | ME (Maine) |
| MD (Maryland) | MA (Massachusetts) | MI (Michigan) | MN (Minnesota) |
| MS (Mississippi) | MO (Missouri) | MT (Montana) | NE (Nebraska) |
| NV (Nevada) | NH (New Hampshire) | NJ (New Jersey) | NM (New Mexico) |
| NY (New York) | NC (North Carolina) | ND (North Dakota) | OH (Ohio) |
| OK (Oklahoma) | OR (Oregon) | PA (Pennsylvania) | RI (Rhode Island) |
| SC (South Carolina) | SD (South Dakota) | TN (Tennessee) | TX (Texas) |
| UT (Utah) | VT (Vermont) | VA (Virginia) | WA (Washington) |
| WV (West Virginia) | WI (Wisconsin) | WY (Wyoming) |
CapitSecured Visa Credit Card OpenSky®, Secured Visa®,
When considering secured cards, it’s essential to understand the benefits and drawbacks. Secured cards are designed to help users build or rebuild their credit, and your Payment history will be reported to the major credit reporting agencies. These cards typically require a refundable security deposit, establishing your credit limit.
One advantage of secured cards is the possibility of a credit limit increase without needing to make an additional deposit, depending on the issuer’s policies. However, be aware that late and time payments can negatively impact your credit. Aim to make at least the minimum payment on your account to improve your credit utilization ratio.
Eventually, you can qualify for an unsecured credit card as your credit score improves. When that time comes, maintain responsible card usage habits to continue building your credit.
Some secured credit cards offer additional benefits, such as a statement credit for good payment behavior or promotional offers for balance transfers. Always read the terms and conditions to ensure the card meets your needs.
4.5
Our choice of No credit check is required.
WHY DO WE LIKE IT
Secured Visa® Credit Card is a rare secured credit card with an average approval rate. This card allows you to apply for a secured credit card without opening a bank account or passing credit checks, considering various credit types. Your annual income is what determines your credit limit. This card is a great option for cards for people looking to start with building credit.
Students Deserve®, EDU Mastercard
4.2
We choose: Features that are student-friendly
WHY DO WE LIKE IT
Students from all countries can get and build credit with Bank of America’s Deserve (r) EDU MasterCard for Students. The annual fee is $0. It’s preferred for students who don’t have perfect credit or basic credit, as the card doesn’t require an additional deposit.
Petal®, 2 “Cashback, No Fees” Visa®, Credit Card
3.9
We choose Beginner-friendly Features.
WHY DO WE LIKE IT
Preapproval is required for the Petal®, 2 Cashback, No Fees Visa®, and Credit Card, offering an approval guarantee. The card’s issuer (WebBank) may consider factors other than the traditional FICO score to determine creditworthiness. This includes credit ratings and credit union partnerships. The card has also received positive credit line reviews for those with excellent credit.
This may make getting credit approval for new applicants easier based on income, savings, and spending. There is also a $0 per year charge.
Get cash rewards by upgrading to a Visa®(r) card.
4.0
Fixed monthly payments
WHY DO WE LIKE IT
Upgrade Visa® Card with Cash Rewards combines the best aspects of both personal and debit cards. It simplifies budgeting with fixed monthly payments and offers prequalification and preapproval processes.
Depending on your creditworthiness, maximum credit limit, and approval requirements, you may have to pay the balance in monthly installments for 24 and 60 months at a credit utilization rate determined by your fair credit score. Prepayment is possible without penalty. This visibility is unavailable in standard applications, allowing business owners to make better financial decisions.
Capital One QuicksilverOne Rewards Credit Card
3.7
Our choice: Average credit and rewards
NOTE – Capital One cannot pre-approve this card.
WHY DO WE LIKE IT
The Capital One QuicksilverOne Rewards Credit Card offers great credit card options with access to credit for many users. Its unique features include cashback at gas stations and balance transfers, making it suitable for those with a minimum deposit.
The Capital One QuicksilverOne cash reward credit card is available to those with average credit scores (FICO scores of at least 630). Check your eligibility by completing the prequalification process. You won’t be eligible to receive a sign-up bonus or a 0% intro period.
Capital One Platinum Credit Card
3.9
We choose Average credit with zero annual fees.
NOTE – Capital One cannot pre-approve this card. However, prequalification helps you determine your eligibility without a soft credit check.
WHY DO WE LIKE IT
The Capital One Platinum Credit Card, also known as the Platinum Mastercard, is a low-maintenance option for those with average credit. It also provides:
- A quick credit score assessment.
- Considering factors such as traditional credit scores.
- Credit mix.
- Credit over time.
You may be eligible to receive a higher credit limit within six months if you are approved, contributing to your positive credit history. However, there is no annual fee, and card expenses won’t affect your monthly housing payment.
AvantCard Credit Card
4.2
Our choice of a Credit limit
WHY DO WE LIKE IT
AvantCard’s credit card allows you to build credit without making an initial deposit. The card also supports credit-building with its credit scoring model and soft credit inquiry process, ensuring that your mortgage payment remains manageable.
BlockFi Rewards Visa®, Signature Credit Card
4.0
Our choice for Earning cryptocurrency
WHY DO WE LIKE IT
The signature feature of the BlockFi Rewards Visa® Signature Credit Card is that you earn Bitcoin as a reward. This is a soft inquiry about your credit. Our editorial staff recommends this card, especially for everyday purchases at select merchants.
American Express Blue Cash Everyday®, Card
4.5
Our choice for Good credit
NOTE – You can only pre-qualify for this card by visiting American Express’ prequalification page
WHY DO WE LIKE IT
Prequalification for the Blue Cash every day ® American Express card is required. You must have good credit to qualify for the Blue Cash Everyday® American Express card. As one of the major issuers of branded credit products, you may receive pre-approved offers and enjoy more competitive initial credit limits.
Apple Card
4.1
Our pick for Instant gratification
WHY DO WE LIKE IT
Apple Card is an excellent option if you’re looking for the latest Apple gadget and are an Apple Pay user. The editorial staff suggests using it primarily for retail purchases and cards at locations where Apple Pay is accepted. Reward points can be redeemed more frequently or less often, depending on how many you earn. You can also manage your expenses efficiently with payment activity notifications and a customizable payment schedule.
There is no waiting period. You will need to complete a prequalification procedure before you can accept the offer. You can view your terms, including credit limit and APR.
HMBradley Credit Card
4.3
HMBradley customers were our choice.
WHY DO WE LIKE IT
HMBradley account holders with good credit may be eligible to get an offer link within the account dashboards for HMBradley’s credit card. This link will give you automatic rewards tailored to your frequent spending categories.
You’ll earn 3% cash back for each category with the highest spend in each statement cycle. The second-highest spending category will earn you 2%, while all other purchases will earn 1%. With the chance of card offers and favorable terms, HMBradley customers can also enjoy online account access to manage their loans and online banking services for easy transactions. Additionally, they provide online tools for users to manage their finances efficiently. Moreover, there is an interest-free grace period and an income requirement to help customers ensure they pay their bills on time.
Here are some statistics on pre-approved credit cards for bad credit:
| Statistic | Value |
|---|---|
| Average interest rate | 25% |
| Average annual fee | $35 |
| Average credit limit | $500 |
| Approval rate | 50% |
| Improvement in credit score | 100 points or more over a period of 12 to 24 months |
Frequently Asked Questions
How can I get a pre-approved credit card if I have bad credit?
Having a relationship with your bank, making on-time payments, keeping credit card balances low, minimizing hard inquiries, and verifying your income can help you get pre-approved for a credit card with bad credit.
What are the eligibility criteria for pre-approved credit cards for bad credit?
Typical eligibility for pre-approved cards with bad credit includes a minimum credit score around 550-600, steady income source, low debt-to-income ratio, and an existing banking relationship. Specific criteria depends on each issuer.
Are there any fees associated with pre-approved credit cards for bad credit?
Most pre-approved credit cards for bad credit do not have an application or origination fee, but you may face annual fees, cash advance fees, foreign transaction fees or late payment penalties if you miss payments.
How can I improve my chances of getting approved for a pre-approved credit card with bad credit?
Ways to improve approval odds include becoming a member at a credit union, having a previous account with the issuer, avoiding applying for other cards recently, keeping income stable, and maintaining on-time payments.
What are the best pre-approved credit card options for people with bad credit?
Some of the best pre-approved cards for bad credit include the OpenSky Secured Visa, Discover it Secured, Capital One Platinum, and First Progress Platinum Elite Mastercard.
