Soft Pull Credit Cards
The vast majority of credit cards require a hard inquiry for the final application, but several companies allow you to check for pre-qualification with only a soft pull. A few secured cards are also available that don't perform a credit check at all.
A soft pull is a preliminary look at your credit history that does not impact your credit score. A hard inquiry, or hard pull, occurs when you formally apply for a new line of credit and can temporarily lower your credit score by a few points.
Several unsecured cards designed for bad credit or those with limited credit history offer soft pull pre-qualification. These tools allow you to check your approval odds without affecting your credit score.
The key distinction is that while the pre-qualification is a soft pull, the official application for the card will trigger a hard inquiry.
Credit cards with soft pull pre-qualification
Many major issuers allow you to check for pre-qualification online. This is an excellent way to gauge your approval odds without affecting your credit score, especially if you have limited or fair credit.Major card issuers offering soft pull pre-qualification:
Unsecured cards for Bad Credit with soft pull pre-qualification
Several unsecured cards designed for bad credit or those with limited credit history offer soft pull pre-qualification. These tools allow you to check your approval odds without affecting your credit score.The key distinction is that while the pre-qualification is a soft pull, the official application for the card will trigger a hard inquiry.
Secured credit cards with no credit check
Some secured credit cards—which require a refundable security deposit—do not perform a credit check at all, avoiding both hard and soft inquiries.How to protect your credit score
FICO Credit Scores
A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.
What is a Credit Score?
A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.
Credit Score Facts
- Credit Scores range from 300-850, the higher the better.
- Most lenders base approval on your credit score.
- Higher Scores mean lower payments and better deals.
- Higher Scores mean Lower interest rates.
- Scores are determined by 5 main categories:
- Payment History
- Amounts Owed
- Length of Credit History
- Type of Credit Used
- New Credit
Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.
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