3 Steps to Credit One Pre-Approval (How to Pre-Qualify + 5 Top Offers)

3 Steps to Credit One Pre-Approval (How to Pre-Qualify + 5 Top Offers)

credit card advice

Brittney Mayer
By: Brittney Mayer
Posted: November 17, 2016
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

When companies check your credit report, there are two ways it can be done: through a hard inquiry, or a soft inquiry. A hard inquiry, or pull, generally involves a lender (or another party) requesting your complete credit report. A hard pull will usually leave a small negative mark on your report that comes with a matching decrease in your credit score for up to 24 months.

A soft inquiry, on the other hand, does not affect your credit score or report, but it doesn’t contain as much information as a hard pull. Soft inquiries are often made during background checks, but can also be used by credit card companies to pre-qualify, or pre-approve, a credit applicant.

Pre-qualification is a great way to test the credit waters and see the likelihood of being approved by an issuer. For a Credit One Bank credit card, the fast, easy pre-approval process can be completed entirely online.

1: Go Online | 2: Enter Information | 3: Get Offers | Top Cards (5)

Step 1. Go Online to the Credit One Bank® Website

Everyone who applies for a Credit One credit card goes through pre-approval, particularly in light of the fact that Credit One specializes in subprime — bad credit — consumers. This helps ensure that everyone who applies for a credit card meets at least the minimum standards for approval.The pre-qualification process starts by heading to the Credit One website.

You can start the pre-approval process by clicking the link above, then moving on to Step 2. If you’ve already received a Credit One credit card pre-approval offer in the mail, you can skip the next step and instead use this link to enter your approval code.

Step 2. Enter Your Information into the Pre-Approval Form

The straightforward pre-approval form takes just minutes to complete. You’ll be asked all the basics, like name, address, and phone number, as well as your annual income and Social Security number.

Screenshot of Credit One Preapproval Form

The Credit One pre-approval form is simple, asking for basic information such as address and income.

Make sure that the information you enter is accurate; any missing or incorrect information could lead to a false rejection, making you think you don’t qualify for a particular card when you really do. It could also lead to an incorrect pre-approval, causing you to apply for a credit card — and endure a hard credit pull — for which you don’t actually meet the minimum requirements.

Step 3. See Your Pre-Qualified Credit Card Offers

After you’ve completed the pre-qualification form, simply press the “See Card Offers” button to, well, see your card offers. The pre-approval process generally only takes minutes and will reveal the Credit One cards that are the best match for you.

Once you’ve selected the pre-approval offer that suits your needs, you can complete the official application. Keep in mind that this application will result in a hard credit check, which will impact your credit score.

Top 5 Credit One Offers

To get an idea of which Credit One credit cards you may qualify for, or just to see our expert’s take on each card, check out our Credit One card reviews. Our expert’s top five Credit One cards are below to get you started.

Credit One Bank® Visa® with Credit Line Increase Reviews Review

at Credit One'ssecure website

  • Interested in growing or rebuilding your credit? We report monthly to all three major credit bureaus. Take advantage of free online access to your credit score and credit report summary.
  • See if you're Pre-Qualified in less than 60 seconds.
  • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • Automatically earn 1% cash back when you buy gas or groceries. Terms apply.
  • Flexible payment date to assist you in making your payments on time.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.65% - 24.15% Variable
$0 - $99
Bad Credit
Credit One Bank® - Earn More Credit Fast Review

at Credit One'ssecure website

BEST OVERALL RATING

★★★★

3.7

OVERALL RATING

3.7/5.0
  • Find out if you Pre-Qualify without affecting your credit score
  • This is a fully unsecured credit card with no deposit requirement
  • Automatic reviews for credit line increase opportunities
  • Free online monthly credit score tracking included
  • 1% cash back on gas & groceries, terms apply
  • Zero fraud liability protects you from unauthorized charges
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.65% - 24.15% Variable
$0 - $99
Poor Credit
Credit One Bank® Unsecured Visa® Credit Card Review

at Credit One'ssecure website

BEST OVERALL RATING

★★★★

3.7

OVERALL RATING

3.7/5.0
  • This is a fully unsecured credit card with no deposit requirement
  • Automatic reviews for credit line increase opportunities
  • See if you Pre-Qualify without harming your credit score
  • Earn 1% cash back on gas and grocery purchases, terms apply
  • Flexible payment date to assist you in making your payments on time
  • Free online monthly credit score tracking included
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.65% - 24.15% Variable
$0 - $99
Poor Credit
Credit One Bank® Credit Card – Online Monthly Credit Score Tracking Included Review

at Credit One'ssecure website

BEST OVERALL RATING

★★★★

3.7

OVERALL RATING

3.7/5.0
  • See if you Pre-Qualify without harming your credit score.
  • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • All the bonus features you want in a credit card are included. Get 1% cash back on gas and grocery purchases (terms apply). Track your progress over time with free online monthly credit score tracking. And, you could receive credit line increase opportunities.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.65% - 24.15% Variable
$0 - $99
Bad Credit
Credit One Bank® Unsecured Visa® with Bonus Features Review

at Credit One'ssecure website

BEST OVERALL RATING

★★★★

3.7

OVERALL RATING

3.7/5.0
  • Credit One automatically monitors every account for credit line increase opportunities. We’ll let you know as soon as you’re eligible for additional credit.
  • See if you're Pre-Qualified without harming your credit score. In less than 60 seconds, find the card that's right for you.
  • Earn 1% cash back on gas and grocery purchases. Terms apply.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account will be reported monthly to all three major credit bureaus.
  • Zero fraud liability protects you from unauthorized charges.
  • Set up custom email or text alerts, so you’ll always be aware of your payment due date, when your payment posts, or if your available balance runs low.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.65% - 24.15% Variable
$0 - $99
Poor Credit

Each offer may have different terms and fees associated with it, so make sure you read the entire offer before accepting it.

Things to Keep in Mind Before You Apply

While pre-qualification can be a great way to check if you’ll be approved for a credit card without impacting your credit score, you should always remember that pre-approval does not guarantee approval once you apply. Your complete report may reveal additional risk factors, or your income may not meet the qualifications.

Additionally, keep in mind that the Credit One Bank credit cards are designed for those with poor credit, so the fees and interest rates will be higher than those for cards that require higher credit scores. The specific terms you are offered will depend on your score and income level.