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
Updated: August 13, 2018
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® for Rebuilding Credit Review

at Credit One'ssecure website

  • See if you Pre-Qualify without harming your credit score
  • Track your progress with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Accounts are automatically reviewed for credit line increase opportunities
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Stay in-the-know with customizable account alerts via email and text
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.99% - 25.99% 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
  • Seeing if you Pre-Qualify is fast, easy, and secure
  • Get 1% cash back rewards on eligible purchase, terms apply
  • Rewards post automatically to your account each month.
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Pick a card that fits your style. Multiple card designs are available, a fee may apply
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.99% - 25.99% Variable
$0 - $99
Poor
Credit One Bank® Visa® Cash Back Rewards Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★

3.3

OVERALL RATING

3.3/5.0
  • Enjoy peace of mind with $0 Fraud Liability
  • Qualified applicants will receive a card with a competitive APR and no annual fee along with 1% cash back rewards on all purchases, terms apply
  • View updates to your Experian credit score with free online access, terms apply
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Access your account on-the-go with the Credit One Bank mobile app
  • Never miss an account update with customizable text and email alerts
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.99% - 25.99% Variable
$0 - $99
Good
Credit One Bank® Visa® with Free Credit Score Tracking Review

at Credit One'ssecure website

BEST OVERALL RATING

★★★★

4.0

OVERALL RATING

4.0/5.0
  • See if you Pre-Qualify in less than 60 seconds—without affecting your credit score. It's fast, easy, and secure.
  • Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
  • This is a fully functional, unsecured credit card—not a debit card, prepaid card, or secured credit card with deposit requirements.
  • Credit One Bank evaluates every account for credit line increase opportunities. We'll let you know as soon as you're eligible for a higher credit line.
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
  • Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won't be held responsible for unauthorized charges.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.99% - 25.99% Variable
$0 - $99
Poor Credit
Credit One Bank® Platinum Visa® with Cash Back Rewards Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★

3.1

OVERALL RATING

3.1/5.0
  • Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply.
  • Manage your account quickly and easily from your mobile device by using the Credit One Bank mobile app
  • Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
  • Your account is safeguarded against unauthorized charges with Zero Fraud Liability at no additional charge.
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.99% - 25.99% Variable
$0 - $99
Good

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.