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® Platinum Visa® Review

at Credit One'ssecure website

  • Receive 1% cash back on eligible purchases, terms apply
  • Make paying your bill easier with the ability to choose your payment date. Terms apply.
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Monitor your credit with free online access to your credit score
  • Show off your style with a premium card design, a fee may apply
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.15% - 24.65% Variable
$0 - $99
Bad Credit
Credit One Bank® Unsecured Platinum Visa® Review

at Credit One'ssecure website

BEST OVERALL RATING

★★★★

3.7

OVERALL RATING

3.7/5.0
  • Credit One Bank automatically monitors every account for credit line increase opportunities each month. We'll let you know as soon as you're eligible for a higher credit line. A fee may apply.
  • See if you Pre-Qualify without harming your credit score. Find the card that's right for you in less than 60 seconds.
  • Eligible purchases will automatically get you 1% cash back, terms apply.
  • 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.
  • Enjoy peace of mind with $0 Fraud Liability
  • Email and text alerts remind you when your bill is due, your payment posts, or your available credit is running low
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.15% - 24.65% Variable
$0 - $99
Poor Credit
Credit One Bank® Visa® Credit Card with 1% Cash Back Review

at Credit One'ssecure website

BEST OVERALL RATING

★★★★

3.7

OVERALL RATING

3.7/5.0
  • This unsecured card requires no deposit and can help build your credit
  • Receive opportunities for credit line increases, a fee may apply
  • See if you Pre-Qualify in less than 60 seconds
  • Receive 1% cash back on eligible purchases, terms apply
  • Choose your monthly payment due date for added convenience, terms apply
  • Monitor your credit with free online access to your credit score
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.15% - 24.65% Variable
$0 - $99
Poor Credit
Credit One Bank® Unsecured Visa® with Online Credit Score Tracking Included Review

at Credit One'ssecure website

BEST OVERALL RATING

★★★★

3.7

OVERALL RATING

3.7/5.0
  • No security deposit required. Get a 100% unsecured card that can help grow and build credit.
  • Focused on growing or rebuilding your credit? We report account activity to all three major credit bureaus each month to help keep your credit score up-to-date.
  • Find out if you're Pre-Qualified without harming your credit score. It's fast, easy, and secure.
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • Get 1% cash back on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
  • Your account is safeguarded against unauthorized charges with Zero Fraud Liability at no additional charge
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.15% - 24.65% Variable
$0 - $99
Bad Credit
Credit One Bank® Platinum Credit Card with Rewards 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 unsecured card provides opportunities to raise your credit score
  • Receive opportunities for credit line increases, a fee may apply
  • Monitor your credit with free online access to your credit score
  • 1% cash back on eligible purchases, terms apply
  • Zero fraud liability protects you from unauthorized charges
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.15% - 24.65% 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.